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Data-driven stock valuation

City Holding Company (CHCO) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of City Holding Company stock $72.30, price $141, that is 48.9% below the price, quality 64 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

CH City Holding Company logo Broad data Nov 7, 2026

City Holding Company

CHCO · US
Solid, but very expensive

Our calculation puts a fair price 49% below what the stock costs today.

Quality 64/100
Healthy Growth (revenue 5y +9.0 %/yr in USD)
Highly profitable · 40.7% net margin (TTM)
2.6% dividend yield · Low payout
Wide moat 84/100
Upbeat coverage
Broad data
Mixed vs. peers (6/15)
Insiders bought $140,123 (6M) · sold $1.4M
Fair value $72.30 · Strongly overvalued (−48.9%)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$146.92 $62.31 Fair Value $72.30 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range $62.31 – $146.92 · fair‑value band $57.83 – $101.55 · the $141.49 price screens above the $72.30 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

City Holding Company operates as a financial holding company for City National Bank of West Virginia that provides banking, trust and investment management, and other financial solutions in the United States.

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It offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts.

The company also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of residence; first-priority home equity loans; home equity lines of credit; amortized home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts, as well as owner-occupied real estate and construction, land development, and lines of credit.

In addition, it offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government-insured mortgages, secondary marketing, and mortgage servicing.

Further, the company provides treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services.

The company was founded in 1957 and is headquartered in Charleston, West Virginia.

Stock analysis

City Holding Company (CHCO) currently trades at $141.49, while our model-based Fair Value estimate is $72.30, 49% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $92.83 per share, and 0 of the 6 models we run sit above the $141.49 price.

Bear case: the Asset-Based group reads lowest at $31.08, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $57.83 (bear) to $101.55 (bull), the price of $141.49 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 64/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

City Holding Company reported revenue of $392M in FY2025 versus $229M in FY2021, a compound +14.4%/yr. Reported net income was $130M in FY2025, compounding +10.3%/yr from FY2021.

Key figures

Market cap $2.0B Small · P/E ratio 15.4 · P/S ratio 6.17 · EPS (TTM) $9.16 · Dividend yield 2.6% · Net margin 40.7% · Return on equity 16.6% · Return on assets (EBIT) 2.2% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 84 out of 100 (medium confidence).

What moves the price

The share trades about 4% below its 52-week high and 24% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −49%, CHCO screens richer than that median.

Fair Value models

Bear $57.83 Fair Value $72.30 Bull $101.55
Price $141.49 · Downside -48.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($4.74 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $57.83 $72.30 $101.55 75
Gordon GGM $28.74 $55.86 $82.46 67
DDM Multi-Stage $28.74 $43.68 $58.53 66
All 6 models by family
Dividend Discount
Gordon GGM $28.74 $55.86 $82.46 67
DDM Multi-Stage $28.74 $43.68 $58.53 66
Multiples
P/E Multiple $90.54 $120.72 $150.90 63
P/B Multiple $48.70 $64.94 $81.17 55
Asset-Based
NCAV (Graham) $23.19 $31.08 $46.39 54
Economic Profit
Residual Income $57.83 $72.30 $101.55 75

Open the full fair value analysis →

Quality Score breakdown

Overall quality 64/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 40
How much profit the company makes from its sales and capital
Quality Growth 55
Are margins and returns getting better?
Cashflow 84
Do the profits arrive as real cash?
Financial strength 8
Debt, balance sheet and risk of trouble
Investment 73
Does it invest with discipline instead of growing at any price?
Low Volatility 98
How calm the share price moves, does not count
Price momentum 54
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 70
Distance to the 52-week high, does not count
New shares 100
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 5 officers or directors bought shares worth $140,123, most recently on Oct 23, 2026. Over the same period, 4 people sold shares worth $1.4M. Buying cluster

  • SaleJeffrey Dale LeggeEVP, CAO & CIO2× since May 26, 2026: 1,821 shares, avg. $130.71$238,019Nov 4, 2026
  • BuyRobert D FisherDirector4× since Mar 9, 2026: 667 shares, avg. $128.83$85,930Oct 23, 202610b5-1 plan
  • BuyJames A HoyerDirector4× since Mar 9, 2026: 404 shares, avg. $129.44$52,294Oct 23, 202610b5-1 plan
  • BuyJavier A ReyesDirector4× since Mar 9, 2026: 386 shares, avg. $129.15$49,852Oct 23, 202610b5-1 plan
  • BuyDiane W Strong-TreisterDirector4× since Mar 9, 2026: 475 shares, avg. $129.46$61,494Oct 23, 202610b5-1 plan
  • SaleSharon H RoweDirector2× since Nov 21, 2025: 1,000 shares, avg. $130.78$130,784Aug 26, 2026
  • SaleCharles R HageboeckPresident & CEO, Director6× since Nov 24, 2025: 15,865 shares, avg. $130.16$2.1MJul 30, 2026
  • SaleDavid L BumgarnerEVP & Chief Financial Officer3× since May 6, 2026: 2,368 shares, avg. $124.58$295,017May 22, 2026
  • BuyJames M. ParsonsDirector100 shares at $121.60$12,160May 12, 2026
  • SaleMichael T Quinlan JrEVP, Retail Banking1,210 shares at $126.09$152,569Apr 28, 2026

Plus 3 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 88/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+5.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.0%
Start year 2020 (pandemic). Over 10 years: +8.2% a year
Revenue growth 36 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.5%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+4.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+1.8%
Dividend (yield on the price)2.6%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.10.2% vs 10.0%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.44% → 42%
Pace: the 5-year rate starts in 2020 (pandemic)

CHCO screens overvalued: fair value 49% below the price. Compare with China Merchants Bank Co →

Earlier news

News mood ⓘNews mood, the average tone of recent news (92 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
Note from the team Oct 30, 2026
AI conclusion: The regional bank shows strong franchise value through solid ROE and margins, yet limited signals on innovation and human capital reduce overall durability.
Main risk: Expense pressure from climbing non-interest expenses could limit the bank's ability to expand margins and returns to shareholders.
City Holding delivered record quarterly earnings with a wider net interest margin and a 15 percent dividend increase, backed by steady loan growth and exceptionally clean credit. Yet non-interest expenses climbed noticeably year over year, pushing the efficiency ratio higher. Can the bank keep expanding margins and returns faster than costs rise, or will expense pressure eventually limit what it can return to shareholders?
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 6/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 64 · Top 25%
Fair Value upside −48.9% · Bottom 25%
Profitability
Return on equity (12 months) 16.6% · Top 25%
Return on assets 1.9% · Top 25%
Net margin (12 months) 40.7% · Top 25%
Operating margin (12 months) 52.3% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) 2.9% · Below median
Dividend yield (12 months) 2.6% · Below median
Balance sheet
Debt / equity 0.19× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 15.4× · Priciest 25%
P/B 2.46× · Priciest 25%
P/S (12 months) 6.17× · Priciest 25%
Price / free cash flow (fiscal year) 15.5× · Pricier than median
EV/EBITDA 11.6× · Pricier than median
PEG 1.91× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)15 · sector 47
PAST (return on equity)66 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)51 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs CHCO
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs CHCO
BNP Paribas SA BNP €91.93 €106.01 +15% vs CHCO
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs CHCO
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs CHCO
UniCredit S.p.A UCG €76.80 €50.44 −34% vs CHCO
Mizuho Financial Group MFG $9.40 $5.90 −37% vs CHCO
DBS Group D05 69.72 SGD 40.39 SGD −42% vs CHCO
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs CHCO
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs CHCO

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City Holding Company: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "City Holding Company Fair Value". https://www.fairvalue-calculator.com/stock/CHCO

Frequently asked questions

Is City Holding Company (CHCO) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of $72.30 versus a price of $141.49, about 49% lower (overvalued).
What is the fair value of CHCO?
Our model-based fair value for City Holding Company is $72.30 (as of Nov 7, 2026), built from audited fundamentals. The current price: $141.49.
What is the quality score of CHCO?
City Holding Company has a Quality Score of 64/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for City Holding Company (CHCO)?
Our model-based price target is the fair value of $72.30 (as of Nov 7, 2026) from 6 valuation models. Cautious scenario $57.83, optimistic scenario $101.55. It is a calculation from audited fundamentals, not an analyst target.
What is the City Holding Company stock forecast for 2026?
Our models put fair value at $72.30, about 49% lower versus a price of $141.49 (overvalued). Cautious scenario $57.83, optimistic scenario $101.55. The calculation is refreshed regularly with new filings.
What is the revenue of City Holding Company (CHCO)?
City Holding Company reported trailing-twelve-month revenue of about $322M (latest available figure, as of Nov 7, 2026).
Does City Holding Company pay a dividend?
City Holding Company currently shows a dividend yield of 2.55% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of City Holding Company (CHCO) and when is the ex-dividend date?
City Holding Company pays a dividend of $3.61 per share a year, a dividend yield of 2.6%. The last ex-dividend date was Oct 15, 2026. A dividend has been paid every year since 2002. The payout ratio is 39.4% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of City Holding Company (CHCO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For City Holding Company it is $72.30 per share (as of Nov 7, 2026), against a price of $141.49. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is City Holding Company stock overvalued or undervalued in 2026?
As of Nov 7, 2026, CHCO trades above its calculated fair value: price $141.49, fair value $72.30, a gap of about −49% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CHCO?
No. The price is what the market pays today ($141.49); the fair value is what the company's own numbers justify ($72.30). For City Holding Company the two are $69.19 per share apart. That gap is exactly why we show both numbers side by side.
How much is City Holding Company worth?
The market values City Holding Company at about $2.0B (market capitalisation, as of Nov 7, 2026). Per share that is $141.49; our models calculate a fair value of $72.30 per share.
What do the bullish and bearish scenarios say about CHCO?
Our models span a range for City Holding Company: cautious scenario $57.83, base $72.30, optimistic $101.55 per share (as of Nov 7, 2026, price $141.49). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CHCO?
City Holding Company trades at a price-to-earnings ratio of 15.4 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $72.30 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 6 of the years ex one-offs: 11.5. Other multiples: PEG 1.9, P/B 2.5, P/S 6.2, EV/EBITDA 11.6.
What is the PEG ratio of CHCO?
The PEG ratio of City Holding Company is 1.91 (P/E divided by earnings growth, as of Nov 7, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of City Holding Company (CHCO)?
Balance-sheet figures for City Holding Company (as of Nov 7, 2026): return on equity 16.6%, debt of 0.19 per unit of equity. They feed the Quality Score of 64/100, which measures business quality independently of the share price.
How far is CHCO from its 52-week high?
City Holding Company trades at $141.49, about 4% below its 52-week high of $146.92 and 24% above the low of $114.20 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $72.30 is for.
Which stocks are comparable to City Holding Company?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is City Holding Company stock attractive at the current price?
The data as of Nov 7, 2026: price $141.49, calculated fair value $72.30 (−49%), Quality Score 64/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CHCO calculated?
We run City Holding Company through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $72.30 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. City Holding Company itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of City Holding Company (CHCO)?
The closing price on Nov 6, 2026 was $141.49. Our model-based fair value is $72.30, about 49% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with City Holding Company right now?
The price sits above even our optimistic bull case ($101.55). The favourable scenario is already priced in. Solid but not exceptional quality (64/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of City Holding Company (CHCO) come from?
Earnings per share at City Holding Company grew +10.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +8.4 %, EBIT margin −0.5 %, tax rate +2.0 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of City Holding Company

How large is the market capitalisation of City Holding Company (CHCO)?
The market capitalisation of City Holding Company is $2.0B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of City Holding Company (CHCO)?
The price-to-sales ratio of City Holding Company is 6.17 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of City Holding Company (CHCO)?
Earnings per share at City Holding Company are $9.16 (price ÷ EPS = P/E 15.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of City Holding Company (CHCO)?
The dividend yield of City Holding Company is 2.6% (payout 39.4%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of City Holding Company (CHCO)?
The net margin of City Holding Company is 40.7% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of City Holding Company (CHCO)?
The return on equity (ROE) of City Holding Company is 16.6% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of City Holding Company (CHCO)?
On an EBIT basis the return on assets of City Holding Company is 2.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of City Holding Company (CHCO)?
The operating margin of City Holding Company is 52.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at City Holding Company (CHCO)?
Revenue at City Holding Company is growing +2.9% versus a year earlier (3y avg +15.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at City Holding Company (CHCO)?
Earnings per share at City Holding Company are growing +0.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does City Holding Company (CHCO) generate?
The free cash flow of City Holding Company is $128M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does City Holding Company (CHCO) carry?
The net debt of City Holding Company is $366M (fiscal year 2025, ≈ 2.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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