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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 : 6/10

vs
industry
vs
history
Cash to Debt 3.93
NAS:CHCO's Cash to Debt is ranked higher than
60% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. NAS:CHCO: 3.93 )
Ranked among companies with meaningful Cash to Debt only.
NAS:CHCO' s Cash to Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.41 Max: 12.05
Current: 3.93
0.13
12.05
Equity to Asset 0.11
NAS:CHCO's Equity to Asset is ranked higher than
58% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:CHCO: 0.11 )
Ranked among companies with meaningful Equity to Asset only.
NAS: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 5.94
NAS:CHCO's Interest Coverage is ranked higher than
83% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. NAS:CHCO: 5.94 )
Ranked among companies with meaningful Interest Coverage only.
NAS:CHCO' s Interest Coverage Range Over the Past 10 Years
Min: 0.82  Med: 2.52 Max: 6.97
Current: 5.94
0.82
6.97
F-Score: 5
M-Score: -2.49
WACC vs ROIC
6.49%
13.85%
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 (%) 42.84
NAS:CHCO's Operating margin (%) is ranked higher than
75% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. NAS:CHCO: 42.84 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:CHCO' s Operating margin (%) Range Over the Past 10 Years
Min: 30.4  Med: 42.27 Max: 52.05
Current: 42.84
30.4
52.05
Net-margin (%) 28.92
NAS:CHCO's Net-margin (%) is ranked higher than
68% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. NAS:CHCO: 28.92 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:CHCO' s Net-margin (%) Range Over the Past 10 Years
Min: 22.73  Med: 28.3 Max: 33.96
Current: 28.92
22.73
33.96
ROE (%) 11.89
NAS:CHCO's ROE (%) is ranked higher than
72% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. NAS:CHCO: 11.89 )
Ranked among companies with meaningful ROE (%) only.
NAS:CHCO' s ROE (%) Range Over the Past 10 Years
Min: 9.72  Med: 13.23 Max: 17.8
Current: 11.89
9.72
17.8
ROA (%) 1.36
NAS:CHCO's ROA (%) is ranked higher than
76% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. NAS:CHCO: 1.36 )
Ranked among companies with meaningful ROA (%) only.
NAS:CHCO' s ROA (%) Range Over the Past 10 Years
Min: 1.11  Med: 1.52 Max: 2.12
Current: 1.36
1.11
2.12
Revenue Growth (3Y)(%) 5.20
NAS:CHCO's Revenue Growth (3Y)(%) is ranked higher than
61% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. NAS:CHCO: 5.20 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:CHCO' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -9  Med: 3.8 Max: 11.4
Current: 5.2
-9
11.4
EBITDA Growth (3Y)(%) 8.30
NAS:CHCO's EBITDA Growth (3Y)(%) is ranked higher than
58% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. NAS:CHCO: 8.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:CHCO' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -18.4  Med: 3.1 Max: 29.7
Current: 8.3
-18.4
29.7
EPS Growth (3Y)(%) 10.60
NAS:CHCO's EPS Growth (3Y)(%) is ranked higher than
61% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. NAS:CHCO: 10.60 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:CHCO' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -34.9  Med: 5 Max: 72.5
Current: 10.6
-34.9
72.5
» NAS:CHCO's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-01-25)


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

» Details

Guru Trades

Q4 2015

CHCO Guru Trades in Q4 2015

Jim Simons 53,737 sh (+75.04%)
Barrow, Hanley, Mewhinney & Strauss Sold Out
Chuck Royce 562,007 sh (-31.30%)
» More
Q1 2016

CHCO Guru Trades in Q1 2016

Jim Simons 99,600 sh (+85.35%)
Chuck Royce 605,341 sh (+7.71%)
» More
Q2 2016

CHCO Guru Trades in Q2 2016

Jim Simons 102,927 sh (+3.34%)
Chuck Royce 472,275 sh (-21.98%)
» More
Q3 2016

CHCO Guru Trades in Q3 2016

Chuck Royce 609,144 sh (+28.98%)
Jim Simons 95,100 sh (-7.60%)
» 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%)

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Business Description

Industry: Banks » Banks - Regional - US
Compare:NYSE:CUBI, NYSE:CPF, NAS:STBZ, NAS:NFBK, NAS:PPBI, NAS:WASH, NAS:SASR, NAS:SYBT, NAS:SBSI, NAS:OPB, NAS:SRCE, NAS:HAFC, NAS:CFNL, NAS:TRST, NAS:LBAI, NAS:CSFL, NAS:BUSE, NAS:BRKL, NAS:EFSC, NAS:RBCAA » details
City Holding Co through its subsidiary provides credit, deposit, trust and investment management, and insurance products and services to its customers.

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.

Ratios

vs
industry
vs
history
P/E(ttm) 18.33
CHCO's P/E(ttm) is ranked lower than
68% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. CHCO: 18.33 )
Ranked among companies with meaningful P/E(ttm) only.
CHCO' s P/E(ttm) Range Over the Past 10 Years
Min: 10.18  Med: 13.31 Max: 23.76
Current: 18.33
10.18
23.76
Forward P/E 18.38
CHCO's Forward P/E is ranked lower than
82% of the 334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. CHCO: 18.38 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.33
CHCO's PE(NRI) is ranked lower than
68% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. CHCO: 18.33 )
Ranked among companies with meaningful PE(NRI) only.
CHCO' s PE(NRI) Range Over the Past 10 Years
Min: 10.18  Med: 13.31 Max: 23.76
Current: 18.33
10.18
23.76
Price/Owner Earnings (ttm) 19.75
CHCO's Price/Owner Earnings (ttm) is ranked lower than
71% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. CHCO: 19.75 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
CHCO' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 6.52  Med: 13.14 Max: 3773.33
Current: 19.75
6.52
3773.33
P/B 2.13
CHCO's P/B is ranked lower than
87% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. CHCO: 2.13 )
Ranked among companies with meaningful P/B only.
CHCO' s P/B Range Over the Past 10 Years
Min: 1.24  Med: 1.74 Max: 2.68
Current: 2.13
1.24
2.68
P/S 5.25
CHCO's P/S is ranked lower than
80% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. CHCO: 5.25 )
Ranked among companies with meaningful P/S only.
CHCO' s P/S Range Over the Past 10 Years
Min: 2.82  Med: 3.9 Max: 5.84
Current: 5.25
2.82
5.84
PFCF 19.81
CHCO's PFCF is ranked lower than
73% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. CHCO: 19.81 )
Ranked among companies with meaningful PFCF only.
CHCO' s PFCF Range Over the Past 10 Years
Min: 5.88  Med: 13.08 Max: 32.39
Current: 19.81
5.88
32.39
POCF 17.95
CHCO's POCF is ranked lower than
77% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. CHCO: 17.95 )
Ranked among companies with meaningful POCF only.
CHCO' s POCF Range Over the Past 10 Years
Min: 5.53  Med: 11.67 Max: 20.88
Current: 17.95
5.53
20.88
EV-to-EBIT 11.64
CHCO's EV-to-EBIT is ranked higher than
53% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. CHCO: 11.64 )
Ranked among companies with meaningful EV-to-EBIT only.
CHCO' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.9  Med: 9.3 Max: 21.4
Current: 11.64
5.9
21.4
EV-to-EBITDA 10.82
CHCO's EV-to-EBITDA is ranked higher than
51% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. CHCO: 10.82 )
Ranked among companies with meaningful EV-to-EBITDA only.
CHCO' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.5  Med: 8.8 Max: 18.8
Current: 10.82
5.5
18.8
PEG 2.82
CHCO's PEG is ranked lower than
76% of the 752 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.28 vs. CHCO: 2.82 )
Ranked among companies with meaningful PEG only.
CHCO' s PEG Range Over the Past 10 Years
Min: 0.63  Med: 2.13 Max: 422.2
Current: 2.82
0.63
422.2
Shiller P/E 20.35
CHCO's Shiller P/E is ranked higher than
50% of the 502 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.35 vs. CHCO: 20.35 )
Ranked among companies with meaningful Shiller P/E only.
CHCO' s Shiller P/E Range Over the Past 10 Years
Min: 9.47  Med: 15.72 Max: 33.53
Current: 20.35
9.47
33.53

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 2.77
CHCO's Dividend Yield is ranked lower than
51% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. CHCO: 2.77 )
Ranked among companies with meaningful Dividend Yield only.
CHCO' s Dividend Yield Range Over the Past 10 Years
Min: 2.58  Med: 3.54 Max: 6.2
Current: 2.77
2.58
6.2
Dividend Payout 0.51
CHCO's Dividend Payout is ranked lower than
77% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. CHCO: 0.51 )
Ranked among companies with meaningful Dividend Payout only.
CHCO' s Dividend Payout Range Over the Past 10 Years
Min: 0.27  Med: 0.46 Max: 4.75
Current: 0.51
0.27
4.75
Dividend Growth (3y) 5.80
CHCO's Dividend Growth (3y) is ranked lower than
58% of the 739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 vs. CHCO: 5.80 )
Ranked among companies with meaningful Dividend Growth (3y) only.
CHCO' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 4.9 Max: 47.9
Current: 5.8
0
47.9
Forward Dividend Yield 2.77
CHCO's Forward Dividend Yield is ranked lower than
54% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. CHCO: 2.77 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 3.42
CHCO's Yield on cost (5-Year) is ranked lower than
52% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. CHCO: 3.42 )
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: 3.18  Med: 4.37 Max: 7.65
Current: 3.42
3.18
7.65
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: -2.00 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: -44.5  Med: 0.4 Max: 3.7
Current: -0.8
-44.5
3.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 2.61
CHCO's Price/Tangible Book is ranked lower than
89% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. CHCO: 2.61 )
Ranked among companies with meaningful Price/Tangible Book only.
CHCO' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.5  Med: 2.2 Max: 3.06
Current: 2.61
0.5
3.06
Price/Projected FCF 0.98
CHCO's Price/Projected FCF is ranked lower than
71% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. CHCO: 0.98 )
Ranked among companies with meaningful Price/Projected FCF only.
CHCO' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.52  Med: 0.82 Max: 2.28
Current: 0.98
0.52
2.28
Price/Median PS Value 1.35
CHCO's Price/Median PS Value is ranked lower than
74% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. CHCO: 1.35 )
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: 0.96 Max: 1.35
Current: 1.35
0.05
1.35
Price/Peter Lynch Fair Value 3.05
CHCO's Price/Peter Lynch Fair Value is ranked lower than
94% of the 381 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.09 vs. CHCO: 3.05 )
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: 1.89 Max: 17.99
Current: 3.05
0.66
17.99
Price/Graham Number 1.46
CHCO's Price/Graham Number is ranked lower than
84% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. CHCO: 1.46 )
Ranked among companies with meaningful Price/Graham Number only.
CHCO' s Price/Graham Number Range Over the Past 10 Years
Min: 0.85  Med: 1.23 Max: 3.75
Current: 1.46
0.85
3.75
Earnings Yield (Greenblatt) (%) 8.60
CHCO's Earnings Yield (Greenblatt) (%) is ranked higher than
65% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. CHCO: 8.60 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
CHCO' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.7  Med: 10.8 Max: 17
Current: 8.6
4.7
17
Forward Rate of Return (Yacktman) (%) 11.80
CHCO's Forward Rate of Return (Yacktman) (%) is ranked higher than
50% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. CHCO: 11.80 )
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: -2.4  Med: 10.7 Max: 27.7
Current: 11.8
-2.4
27.7

More Statistics

Revenue (TTM) (Mil) $176.3
EPS (TTM) $ 3.37
Beta0.45
Short Percentage of Float6.54%
52-Week Range $40.74 - 62.49
Shares Outstanding (Mil)15.01

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 3.15 3.37 3.60
EPS w/o NRI ($) 3.15 3.37 3.60
EPS Growth Rate
(3Y to 5Y Estimate)
N/A
Dividends Per Share ($)
» More Articles for CHCO

Headlines

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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 Financials Nov 10 2016
CITY HOLDING CO Files SEC form 10-Q, Quarterly Report Nov 03 2016
City Holding Co. : CHCO-US: Dividend Analysis : October 14th, 2016 (record date) : By the numbers :... Oct 26 2016
City Holding Co. :CHCO-US: Earnings Analysis: Q3, 2016 By the Numbers : October 26, 2016 Oct 26 2016
City Holding Co. breached its 50 day moving average in a Bullish Manner : CHCO-US : October 25, 2016 Oct 25 2016
CITY HOLDING CO Files SEC form 8-K, Results of Operations and Financial Condition Oct 24 2016
City Holding posts 3Q profit Oct 24 2016
City Holding posts 3Q profit Oct 24 2016
City Holding Company Announces Third Quarter Results Oct 24 2016
City Holding Co. breached its 50 day moving average in a Bearish Manner : CHCO-US : October 14, 2016 Oct 14 2016
City Holding Co. : CHCO-US: Dividend Analysis : July 15th, 2016 (record date) : By the numbers :... Oct 03 2016
CITY HOLDING CO Files SEC form 8-K, Regulation FD Disclosure Sep 28 2016
CITY HOLDING CO Files SEC form 8-K, Regulation FD Disclosure Sep 14 2016
CITY HOLDING CO Files SEC form 10-Q, Quarterly Report Aug 04 2016
City Holding Co. breached its 50 day moving average in a Bullish Manner : CHCO-US : August 4, 2016 Aug 04 2016
ETF’s with exposure to City Holding Co. : August 2, 2016 Aug 02 2016
CITY HOLDING CO Files SEC form 8-K, Regulation FD Disclosure Aug 02 2016
City Holding Co. :CHCO-US: Earnings Analysis: Q2, 2016 By the Numbers : August 1, 2016 Aug 01 2016
City Holding Co. :CHCO-US: Earnings Analysis: Q2, 2016 By the Numbers : July 27, 2016 Jul 27 2016
CITY HOLDING CO Files SEC form 8-K, Results of Operations and Financial Condition Jul 26 2016

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