Switch to:

GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 4.25
CHCO's Cash to Debt is ranked higher than
57% of the 1088 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CHCO: 4.25 )
Ranked among companies with meaningful Cash to Debt only.
CHCO' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.39 Max: 12.05
Current: 4.25
0.13
12.05
Equity to Asset 0.11
CHCO's Equity to Asset is ranked higher than
60% of the 1578 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CHCO: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
CHCO' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.11 Max: 0.12
Current: 0.11
0.06
0.12
Interest Coverage 6.97
CHCO's Interest Coverage is ranked higher than
87% of the 1429 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.82 vs. CHCO: 6.97 )
Ranked among companies with meaningful Interest Coverage only.
CHCO' s Interest Coverage Range Over the Past 10 Years
Min: 0.82  Med: 2.04 Max: 6.46
Current: 6.97
0.82
6.46
F-Score: 7
WACC vs ROIC
8.10%
14.82%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 8/10

vs
industry
vs
history
Operating margin (%) 45.22
CHCO's Operating margin (%) is ranked higher than
79% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.86 vs. CHCO: 45.22 )
Ranked among companies with meaningful Operating margin (%) only.
CHCO' s Operating margin (%) Range Over the Past 10 Years
Min: 30.4  Med: 42.27 Max: 52.09
Current: 45.22
30.4
52.09
Net-margin (%) 29.65
CHCO's Net-margin (%) is ranked higher than
71% of the 1593 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.37 vs. CHCO: 29.65 )
Ranked among companies with meaningful Net-margin (%) only.
CHCO' s Net-margin (%) Range Over the Past 10 Years
Min: 22.73  Med: 28.30 Max: 34.17
Current: 29.65
22.73
34.17
ROE (%) 13.13
CHCO's ROE (%) is ranked higher than
79% of the 1589 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.01 vs. CHCO: 13.13 )
Ranked among companies with meaningful ROE (%) only.
CHCO' s ROE (%) Range Over the Past 10 Years
Min: 9.72  Med: 13.50 Max: 19.79
Current: 13.13
9.72
19.79
ROA (%) 1.52
CHCO's ROA (%) is ranked higher than
81% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.86 vs. CHCO: 1.52 )
Ranked among companies with meaningful ROA (%) only.
CHCO' s ROA (%) Range Over the Past 10 Years
Min: 1.11  Med: 1.54 Max: 2.13
Current: 1.52
1.11
2.13
Revenue Growth (3Y)(%) 5.40
CHCO's Revenue Growth (3Y)(%) is ranked higher than
64% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. CHCO: 5.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
CHCO' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -9  Med: 2.70 Max: 11.4
Current: 5.4
-9
11.4
EBITDA Growth (3Y)(%) 5.30
CHCO's EBITDA Growth (3Y)(%) is ranked lower than
53% of the 1167 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CHCO: 5.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
CHCO' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -18.4  Med: 2.10 Max: 29.6
Current: 5.3
-18.4
29.6
EPS Growth (3Y)(%) 8.30
CHCO's EPS Growth (3Y)(%) is ranked higher than
52% of the 1165 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. CHCO: 8.30 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
CHCO' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -34.9  Med: 4.15 Max: 72.7
Current: 8.3
-34.9
72.7
» CHCO's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q1 2015

CHCO Guru Trades in Q1 2015

James Barrow 24,012 sh (New)
Jim Simons 31,900 sh (+11.15%)
Chuck Royce 1,235,859 sh (-1.85%)
» More
Q2 2015

CHCO Guru Trades in Q2 2015

Chuck Royce 1,325,863 sh (+7.28%)
James Barrow 25,322 sh (+5.46%)
Jim Simons 30,300 sh (-5.02%)
» More
Q3 2015

CHCO Guru Trades in Q3 2015

Jim Simons 30,700 sh (+1.32%)
James Barrow 25,322 sh (unchged)
Chuck Royce 818,011 sh (-38.30%)
» More
Q4 2015

CHCO Guru Trades in Q4 2015

Jim Simons 53,737 sh (+75.04%)
James Barrow Sold Out
Chuck Royce 562,007 sh (-31.30%)
» More
» Details

Insider Trades

Latest Guru Trades with CHCO

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

No Entry found in the selected group of Gurus. You can
  • 1. Modify your Personalized List of Gurus, or
  • 2. Click on Premium Premium Tools above to check out all the Gurus, or
  • 3. Click on Premium Plus Premium Plus above for the stocks picks of all the institutional investment advisors (>4000)
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.07
CHCO's P/E(ttm) is ranked lower than
53% of the 2227 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.73 vs. CHCO: 12.07 )
Ranked among companies with meaningful P/E(ttm) only.
CHCO' s P/E(ttm) Range Over the Past 10 Years
Min: 9.96  Med: 13.17 Max: 23.59
Current: 12.07
9.96
23.59
Forward P/E 11.81
CHCO's Forward P/E is ranked lower than
75% of the 1342 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.05 vs. CHCO: 11.81 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 11.98
CHCO's PE(NRI) is ranked higher than
53% of the 1697 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. CHCO: 11.98 )
Ranked among companies with meaningful PE(NRI) only.
CHCO' s PE(NRI) Range Over the Past 10 Years
Min: 9.96  Med: 13.11 Max: 23.76
Current: 11.98
9.96
23.76
P/B 1.60
CHCO's P/B is ranked lower than
83% of the 2260 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.00 vs. CHCO: 1.60 )
Ranked among companies with meaningful P/B only.
CHCO' s P/B Range Over the Past 10 Years
Min: 1.24  Med: 1.77 Max: 2.68
Current: 1.6
1.24
2.68
P/S 3.59
CHCO's P/S is ranked lower than
72% of the 2511 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.50 vs. CHCO: 3.59 )
Ranked among companies with meaningful P/S only.
CHCO' s P/S Range Over the Past 10 Years
Min: 2.83  Med: 3.90 Max: 5.84
Current: 3.59
2.83
5.84
PFCF 10.92
CHCO's PFCF is ranked lower than
62% of the 1363 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. CHCO: 10.92 )
Ranked among companies with meaningful PFCF only.
CHCO' s PFCF Range Over the Past 10 Years
Min: 5.87  Med: 12.67 Max: 32.46
Current: 10.92
5.87
32.46
POCF 10.54
CHCO's POCF is ranked lower than
68% of the 1543 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.06 vs. CHCO: 10.54 )
Ranked among companies with meaningful POCF only.
CHCO' s POCF Range Over the Past 10 Years
Min: 5.53  Med: 11.52 Max: 20.88
Current: 10.54
5.53
20.88
EV-to-EBIT 8.78
CHCO's EV-to-EBIT is ranked higher than
73% of the 2177 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.38 vs. CHCO: 8.78 )
Ranked among companies with meaningful EV-to-EBIT only.
CHCO' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.9  Med: 9.50 Max: 21.4
Current: 8.78
5.9
21.4
EV-to-EBITDA 8.63
CHCO's EV-to-EBITDA is ranked higher than
68% of the 2182 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.15 vs. CHCO: 8.63 )
Ranked among companies with meaningful EV-to-EBITDA only.
CHCO' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.5  Med: 9.05 Max: 18.8
Current: 8.63
5.5
18.8
PEG 2.62
CHCO's PEG is ranked lower than
82% of the 653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CHCO: 2.62 )
Ranked among companies with meaningful PEG only.
CHCO' s PEG Range Over the Past 10 Years
Min: 0.63  Med: 2.00 Max: 95.5
Current: 2.62
0.63
95.5
Shiller P/E 14.43
CHCO's Shiller P/E is ranked higher than
56% of the 675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.91 vs. CHCO: 14.43 )
Ranked among companies with meaningful Shiller P/E only.
CHCO' s Shiller P/E Range Over the Past 10 Years
Min: 9.44  Med: 15.86 Max: 36.2
Current: 14.43
9.44
36.2

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 3.88
CHCO's Dividend Yield is ranked higher than
64% of the 2412 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.03 vs. CHCO: 3.88 )
Ranked among companies with meaningful Dividend Yield only.
CHCO' s Dividend Yield Range Over the Past 10 Years
Min: 2.37  Med: 3.50 Max: 6.2
Current: 3.88
2.37
6.2
Dividend Payout 0.45
CHCO's Dividend Payout is ranked lower than
68% of the 1441 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.34 vs. CHCO: 0.45 )
Ranked among companies with meaningful Dividend Payout only.
CHCO' s Dividend Payout Range Over the Past 10 Years
Min: 0.27  Med: 0.43 Max: 4.75
Current: 0.45
0.27
4.75
Dividend Growth (3y) 4.90
CHCO's Dividend Growth (3y) is ranked higher than
50% of the 730 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.00 vs. CHCO: 4.90 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CHCO' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 4.45 Max: 47.9
Current: 4.9
0
47.9
Forward Dividend Yield 3.97
CHCO's Forward Dividend Yield is ranked higher than
63% of the 2191 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.26 vs. CHCO: 3.97 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 4.45
CHCO's Yield on cost (5-Year) is ranked higher than
63% of the 2446 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.42 vs. CHCO: 4.45 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
CHCO' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 2.72  Med: 4.02 Max: 7.12
Current: 4.45
2.72
7.12
3-Year Average Share Buyback Ratio -0.80
CHCO's 3-Year Average Share Buyback Ratio is ranked higher than
59% of the 1061 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.70 vs. CHCO: -0.80 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
CHCO' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -1.9  Med: -0.10 Max: 3.6
Current: -0.8
-1.9
3.6

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.96
CHCO's Price/Tangible Book is ranked lower than
85% of the 2171 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 38.57 vs. CHCO: 1.96 )
Ranked among companies with meaningful Price/Tangible Book only.
CHCO' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.5  Med: 2.21 Max: 3.06
Current: 1.96
0.5
3.06
Price/Projected FCF 0.70
CHCO's Price/Projected FCF is ranked lower than
56% of the 1316 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.80 vs. CHCO: 0.70 )
Ranked among companies with meaningful Price/Projected FCF only.
CHCO' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.59  Med: 0.86 Max: 2.28
Current: 0.7
0.59
2.28
Price/Median PS Value 0.93
CHCO's Price/Median PS Value is ranked higher than
56% of the 2067 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.93 vs. CHCO: 0.93 )
Ranked among companies with meaningful Price/Median PS Value only.
CHCO' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.05  Med: 0.97 Max: 1.33
Current: 0.93
0.05
1.33
Price/Peter Lynch Fair Value 1.58
CHCO's Price/Peter Lynch Fair Value is ranked lower than
81% of the 603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.81 vs. CHCO: 1.58 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
CHCO' s Price/Peter Lynch Fair Value Range Over the Past 10 Years
Min: 0.66  Med: 1.80 Max: 17.99
Current: 1.58
0.66
17.99
Price/Graham Number 1.03
CHCO's Price/Graham Number is ranked lower than
72% of the 2007 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.77 vs. CHCO: 1.03 )
Ranked among companies with meaningful Price/Graham Number only.
CHCO' s Price/Graham Number Range Over the Past 10 Years
Min: 0.84  Med: 1.25 Max: 3.67
Current: 1.03
0.84
3.67
Earnings Yield (Greenblatt) (%) 11.33
CHCO's Earnings Yield (Greenblatt) (%) is ranked higher than
78% of the 1519 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CHCO: 11.33 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CHCO' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.7  Med: 10.50 Max: 17
Current: 11.33
4.7
17
Forward Rate of Return (Yacktman) (%) 16.36
CHCO's Forward Rate of Return (Yacktman) (%) is ranked higher than
53% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.65 vs. CHCO: 16.36 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
CHCO' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -2.3  Med: 9.20 Max: 27.7
Current: 16.36
-2.3
27.7

More Statistics

Revenue(Mil) $182
EPS $ 3.52
Beta0.71
Short Percentage of Float7.64%
52-Week Range $40.74 - 52.28
Shares Outstanding(Mil)15.30

Analyst Estimate

Dec16 Dec17
Revenue(Mil)
EPS($) 3.21 3.58
EPS without NRI($) 3.21 3.58

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
City Holding Co is a West Virginia corporation chartered as of March 12, 1982. The Company conducts its principal activities through its wholly-owned subsidiary, City National Bank. Through its network of 82 banking offices in West Virginia (57 offices), Virginia (14 offices), Kentucky (8 offices), and Ohio (3 offices), City National provides credit, deposit, trust and investment management, and insurance products and services to its customers. In addition to its branch network, City National's delivery channels include ATMs, mobile banking, debit cards, interactive voice response systems, and internet technology. The Company's loan portfolio is comprised of commercial and industrial, commercial real estate, residential real estate, home equity-junior lien, consumer loans, DDA overdrafts and previously securitized loans. The commercial and industrial loan portfolio consists of loans to corporate borrowers in small to mid-size industrial and commercial companies, as well as automobile dealers, service, retail and wholesale merchants. Commercial real estate loans consist of commercial mortgages, which generally are secured by nonresidential and multi-family residential properties, including hotel/motel and apartment lending. Residential real estate loans represent loans to consumers for the purchase or refinance of a residence. The Company's home equity junior lien loans are underwritten differently than 1-4 family residential mortgages, with typically less documentation but lower loan-to-value ratios and include both home equity loans and lines-of-credit. Consumer loans are secured by automobiles, boats, recreational vehicles, and other personal property. DDA overdraft balances reflect demand deposit accounts that have been overdrawn by deposit customers and have been reclassified as loans. It competes with national, regional, and local community banks for deposits, credit, trust and investment management, and insurance customers. The Company operates in a regulated environment and is subject to supervision and regulation by a number of governmental regulatory agencies, including the Federal Reserve Board, the OCC and the FDIC.
» More Articles for CHCO

Headlines

Articles On GuruFocus.com
4 Stocks Building Wealth Through Higher Dividends Mar 31 2014 
My Three Favorite Stocks With Recent Dividend Growth Apr 07 2013 
Guru Stocks Raising Dividends: CTS, UBA, UDR, WDR, CHCO Dec 19 2011 
How to Be a Voyeur. Of Banks. Aug 04 2011 
City Holding Company Reports Operating Results (10-Q) Nov 08 2010 
City Holding Company Reports Operating Results (10-Q) May 07 2010 
City Holding Company Reports Operating Results (10-Q) Nov 06 2009 
City Holding Company Reports Operating Results (10-Q) Aug 10 2009 
City Holding Company Reports Operating Results (10-Q) May 08 2009 

More From Other Websites
CITY HOLDING CO Files SEC form 8-K, Change in Directors or Principal Officers, Other Events Feb 02 2016
City Holding Co. Earnings Analysis: Q4, 2015 By the Numbers Jan 28 2016
CITY HOLDING CO Files SEC form 8-K, Results of Operations and Financial Condition Jan 26 2016
City Holding posts 4Q profit Jan 25 2016
City Holding posts 4Q profit Jan 25 2016
City Holding Company Announces Record Annual Earnings Jan 25 2016
CITY HOLDING CO Files SEC form 8-K, Regulation FD Disclosure Dec 30 2015
CITY HOLDING CO Financials Dec 08 2015
City Holding Co. breached its 50 day moving average in a Bearish Manner : December 8, 2015 Dec 08 2015
EZchip Semiconductor Ltd. (EZCH): What Smart Money Tells Us About This Stock Nov 28 2015
Hedge Funds Are Selling Resolute Forest Products Inc (RFP) Nov 26 2015
CITY HOLDING CO Files SEC form 8-K, Change in Directors or Principal Officers Nov 16 2015
City Holding Co. breached its 50 day moving average in a Bearish Manner : November 16, 2015 Nov 16 2015
CITY HOLDING CO Files SEC form 8-K, Other Events Nov 09 2015
City Holding Company Completes Purchase of American Founders Bank Branches in Lexington, Kentucky Nov 09 2015
CITY HOLDING CO Files SEC form 8-K, Regulation FD Disclosure Nov 05 2015
CITY HOLDING CO Files SEC form 10-Q, Quarterly Report Nov 05 2015
City Holding Co. Earnings Q3, 2015 Oct 27 2015
CITY HOLDING CO Files SEC form 8-K, Results of Operations and Financial Condition Oct 22 2015
City Holding posts 3Q profit Oct 22 2015

Personalized Checklist

Checklist has been moved to "Checklist" tab.

Get WordPress Plugins for easy affiliate links on Stock Tickers and Guru Names | Earn affiliate commissions by embedding GuruFocus Charts
GuruFocus Affiliate Program: Earn up to $400 per referral. ( Learn More)
FEEDBACK