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Company Analysis

City Holding Company CHCO

A comprehensive view of key metrics, scores, and financial health for City Holding Company

Overview of City Holding Company

CHCO NMS
Financial Services Banks - Regional Framework: Banks & Lenders Small Cap
City Holding Company (CHCO), is a Small Cap company, in the Banks - Regional industry, last closed at $139.17, about 58.6% overvalued vs fair value, +12.4% 1Y return, placing in the top 10% of its sector.
Metrics P/E 13.2× Rev Growth 7.1% ROE 16.9% Gross Margin 101.5% Div Yield 2.75%
USD 139.17
3.10%
(Delayed)
• Vol 90d: 18.0%
52-Week Range
Market Cap
$1.87B
Enterprise Value
$1.72B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Good
Growth
Fair
Profitability
Fair
Health
Fair
Efficiency
Good
Valuation
Good
Completeness: 82%
Confidence: 85%
Updated: Jul 5
Top Beats

Quick Facts

Website https://www.bankatcity.com
HQ Charleston, WV
Employees 934
Fiscal year Dec 31

Next Events

Dividend Jul 31

Fair Value Snapshot

Bear Base Bull
$32
$58
$108
Current: $139.17 -59% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$321.2M
4.8%%
Interest Expense
$84.8M
Net Interest Income
$236.4M
7.3%%
Total Revenue
$305.2M
7.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
16.0%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$93.1M
72.0% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating City Holding Company's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
84
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
91
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing CHCO's balance between Growth (23.9%), Profitability (43.9%), and Safety (32.2%). Growth 24% Safety 32% Profitability 44%

Click axes to expand details. Marker shows current allocation.

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Growth

46th percentile vs peers
46
Key Signals
Asset Growth YoY 4.1% 46p NII Growth YoY 7.3% 41p Equity Growth YoY 10.8% 57p EPS Growth YoY 13.1% 42p
Strengths
  • Net Interest Margin in top 20% of peers (3.4%, 80th percentile)
  • ROTE in top 20% of peers (21.6%, 91th percentile)
  • ROE in top 20% of peers (16.9%, 90th percentile)
  • ROA in top 20% of peers (1.8%, 89th percentile)
Risks

No significant risks identified for this axis.

Profitability

85th percentile vs peers
85
Key Signals
Strengths
Risks
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Safety

62th percentile vs peers
62
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for City Holding Company.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$57.61
- - -
-58.6% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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