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 : 6/10

vs
industry
vs
history
Cash-to-Debt 11.57
CHCO's Cash-to-Debt is ranked lower than
62% of the 1592 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.23 vs. CHCO: 11.57 )
Ranked among companies with meaningful Cash-to-Debt only.
CHCO' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.13  Med: 0.49 Max: No Debt
Current: 11.57
Equity-to-Asset 0.12
CHCO's Equity-to-Asset is ranked higher than
60% of the 1591 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. CHCO: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
CHCO' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.09 Max: 0.12
Current: 0.12
0.06
0.12
Interest Coverage 6.04
CHCO's Interest Coverage is ranked higher than
83% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. CHCO: 6.04 )
Ranked among companies with meaningful Interest Coverage only.
CHCO' s Interest Coverage Range Over the Past 10 Years
Min: 0.82  Med: 3.53 Max: 6.97
Current: 6.04
0.82
6.97
Beneish M-Score: -2.54
WACC vs ROIC
6.35%
16.09%
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 : 6/10

vs
industry
vs
history
Operating Margin % 45.16
CHCO's Operating Margin % is ranked higher than
75% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.37 vs. CHCO: 45.16 )
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: 50.15
Current: 45.16
30.4
50.15
Net Margin % 30.60
CHCO's Net Margin % is ranked higher than
69% of the 1605 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.70 vs. CHCO: 30.60 )
Ranked among companies with meaningful Net Margin % only.
CHCO' s Net Margin % Range Over the Past 10 Years
Min: 22.73  Med: 28.3 Max: 33.31
Current: 30.6
22.73
33.31
ROE % 12.65
CHCO's ROE % is ranked higher than
72% of the 1603 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.58 vs. CHCO: 12.65 )
Ranked among companies with meaningful ROE % only.
CHCO' s ROE % Range Over the Past 10 Years
Min: 9.72  Med: 13.1 Max: 17.03
Current: 12.65
9.72
17.03
ROA % 1.44
CHCO's ROA % is ranked higher than
75% of the 1612 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.90 vs. CHCO: 1.44 )
Ranked among companies with meaningful ROA % only.
CHCO' s ROA % Range Over the Past 10 Years
Min: 1.11  Med: 1.51 Max: 2.04
Current: 1.44
1.11
2.04
3-Year Revenue Growth Rate 0.70
CHCO's 3-Year Revenue Growth Rate is ranked lower than
68% of the 1354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. CHCO: 0.70 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
CHCO' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -28.7  Med: 5.2 Max: 40.3
Current: 0.7
-28.7
40.3
3-Year EBITDA Growth Rate 4.00
CHCO's 3-Year EBITDA Growth Rate is ranked lower than
57% of the 1256 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.40 vs. CHCO: 4.00 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
CHCO' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -39.9  Med: 7.2 Max: 52.4
Current: 4
-39.9
52.4
3-Year EPS without NRI Growth Rate 4.30
CHCO's 3-Year EPS without NRI Growth Rate is ranked lower than
59% of the 1226 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. CHCO: 4.30 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
CHCO' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -41.5  Med: 5 Max: 72.5
Current: 4.3
-41.5
72.5
GuruFocus has detected 5 Warning Signs with City Holding Co $CHCO.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» CHCO's 30-Y Financials

Financials (Next Earnings Date: 2017-07-26 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

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
Q4 2016

CHCO Guru Trades in Q4 2016

Jim Simons 89,300 sh (-6.10%)
Chuck Royce 418,280 sh (-31.33%)
» More
Q1 2017

CHCO Guru Trades in Q1 2017

Chuck Royce 418,280 sh (unchged)
Jim Simons 86,900 sh (-2.69%)
» 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 )

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NYSE:BANC, NAS:CFNL, NAS:STBZ, NAS:EFSC, NAS:SBSI, NAS:SASR, NAS:BRKL, NAS:SBCF, NAS:LKFN, NAS:BUSE, NYSE:CPF, NYSE:FBK, NAS:BNCL, NAS:LBAI, NAS:HAFC, NYSE:CUBI, AMEX:TMP, NAS:STBA, NAS:SRCE, NYSE:FBP » details
Headquarter Location:USA
City Holding Co, through its subsidiary, provides banking, trust and investment management and other financial solutions. It provides commercial banking, consumer banking, mortgage banking and wealth management and trust services.

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
PE Ratio 17.73
CHCO's PE Ratio is ranked lower than
68% of the 1510 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. CHCO: 17.73 )
Ranked among companies with meaningful PE Ratio only.
CHCO' s PE Ratio Range Over the Past 10 Years
Min: 10.18  Med: 13.41 Max: 23.76
Current: 17.73
10.18
23.76
Forward PE Ratio 19.08
CHCO's Forward PE Ratio is ranked lower than
87% of the 839 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.93 vs. CHCO: 19.08 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 17.73
CHCO's PE Ratio without NRI is ranked lower than
68% of the 1477 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.63 vs. CHCO: 17.73 )
Ranked among companies with meaningful PE Ratio without NRI only.
CHCO' s PE Ratio without NRI Range Over the Past 10 Years
Min: 10.18  Med: 13.41 Max: 23.76
Current: 17.73
10.18
23.76
Price-to-Owner-Earnings 14.59
CHCO's Price-to-Owner-Earnings is ranked lower than
57% of the 882 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.21 vs. CHCO: 14.59 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
CHCO' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 6.52  Med: 13.4 Max: 3773.33
Current: 14.59
6.52
3773.33
PB Ratio 2.16
CHCO's PB Ratio is ranked lower than
88% of the 1611 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. CHCO: 2.16 )
Ranked among companies with meaningful PB Ratio only.
CHCO' s PB Ratio Range Over the Past 10 Years
Min: 1.24  Med: 1.74 Max: 2.68
Current: 2.16
1.24
2.68
PS Ratio 5.39
CHCO's PS Ratio is ranked lower than
80% of the 1586 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.40 vs. CHCO: 5.39 )
Ranked among companies with meaningful PS Ratio only.
CHCO' s PS Ratio Range Over the Past 10 Years
Min: 2.82  Med: 3.89 Max: 5.79
Current: 5.39
2.82
5.79
Price-to-Free-Cash-Flow 15.53
CHCO's Price-to-Free-Cash-Flow is ranked lower than
66% of the 870 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.33 vs. CHCO: 15.53 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
CHCO' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 5.85  Med: 13.09 Max: 32.36
Current: 15.53
5.85
32.36
Price-to-Operating-Cash-Flow 13.97
CHCO's Price-to-Operating-Cash-Flow is ranked lower than
69% of the 940 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.82 vs. CHCO: 13.97 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
CHCO' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 5.51  Med: 11.6 Max: 20.87
Current: 13.97
5.51
20.87
EV-to-EBIT 10.27
CHCO's EV-to-EBIT is ranked lower than
51% of the 1668 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.52 vs. CHCO: 10.27 )
Ranked among companies with meaningful EV-to-EBIT only.
CHCO' s EV-to-EBIT Range Over the Past 10 Years
Min: 5.7  Med: 9.3 Max: 21.4
Current: 10.27
5.7
21.4
EV-to-EBITDA 9.43
CHCO's EV-to-EBITDA is ranked lower than
52% of the 1685 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.29 vs. CHCO: 9.43 )
Ranked among companies with meaningful EV-to-EBITDA only.
CHCO' s EV-to-EBITDA Range Over the Past 10 Years
Min: 5.3  Med: 8.8 Max: 18.8
Current: 9.43
5.3
18.8
PEG Ratio 2.90
CHCO's PEG Ratio is ranked lower than
76% of the 811 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.43 vs. CHCO: 2.90 )
Ranked among companies with meaningful PEG Ratio only.
CHCO' s PEG Ratio Range Over the Past 10 Years
Min: 0.63  Med: 2.23 Max: 422.2
Current: 2.9
0.63
422.2
Shiller PE Ratio 21.35
CHCO's Shiller PE Ratio is ranked lower than
51% of the 479 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 20.93 vs. CHCO: 21.35 )
Ranked among companies with meaningful Shiller PE Ratio only.
CHCO' s Shiller PE Ratio Range Over the Past 10 Years
Min: 9.47  Med: 16 Max: 35.05
Current: 21.35
9.47
35.05

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 2.61
CHCO's Dividend Yield % is ranked higher than
50% of the 2319 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.69 vs. CHCO: 2.61 )
Ranked among companies with meaningful Dividend Yield % only.
CHCO' s Dividend Yield % Range Over the Past 10 Years
Min: 2.42  Med: 3.54 Max: 6.2
Current: 2.61
2.42
6.2
Dividend Payout Ratio 0.46
CHCO's Dividend Payout Ratio is ranked lower than
75% of the 1315 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. CHCO: 0.46 )
Ranked among companies with meaningful Dividend Payout Ratio only.
CHCO' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.4  Med: 0.5 Max: 0.76
Current: 0.46
0.4
0.76
3-Year Dividend Growth Rate 5.40
CHCO's 3-Year Dividend Growth Rate is ranked lower than
56% of the 768 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.20 vs. CHCO: 5.40 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
CHCO' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: 8.1 Max: 47.9
Current: 5.4
0
47.9
Forward Dividend Yield % 2.64
CHCO's Forward Dividend Yield % is ranked lower than
55% of the 2248 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.73 vs. CHCO: 2.64 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 3.35
CHCO's 5-Year Yield-on-Cost % is ranked higher than
52% of the 2649 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.31 vs. CHCO: 3.35 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
CHCO' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 3.1  Med: 4.54 Max: 7.95
Current: 3.35
3.1
7.95
3-Year Average Share Buyback Ratio 1.30
CHCO's 3-Year Average Share Buyback Ratio is ranked higher than
89% of the 1042 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. CHCO: 1.30 )
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: -0.8 Max: 3.7
Current: 1.3
-44.5
3.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 2.55
CHCO's Price-to-Tangible-Book is ranked lower than
89% of the 1576 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. CHCO: 2.55 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
CHCO' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.5  Med: 2.09 Max: 3.06
Current: 2.55
0.5
3.06
Price-to-Intrinsic-Value-Projected-FCF 1.07
CHCO's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
75% of the 869 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. CHCO: 1.07 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
CHCO' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.52  Med: 0.83 Max: 8.76
Current: 1.07
0.52
8.76
Price-to-Median-PS-Value 1.38
CHCO's Price-to-Median-PS-Value is ranked lower than
72% of the 1462 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. CHCO: 1.38 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
CHCO' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.19  Med: 0.88 Max: 2.47
Current: 1.38
0.19
2.47
Price-to-Peter-Lynch-Fair-Value 2.76
CHCO's Price-to-Peter-Lynch-Fair-Value is ranked lower than
90% of the 426 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.17 vs. CHCO: 2.76 )
Ranked among companies with meaningful Price-to-Peter-Lynch-Fair-Value only.
CHCO' s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.66  Med: 1.39 Max: 6.36
Current: 2.76
0.66
6.36
Price-to-Graham-Number 1.42
CHCO's Price-to-Graham-Number is ranked lower than
84% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.96 vs. CHCO: 1.42 )
Ranked among companies with meaningful Price-to-Graham-Number only.
CHCO' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.6  Med: 1.18 Max: 3.75
Current: 1.42
0.6
3.75
Earnings Yield (Greenblatt) % 9.75
CHCO's Earnings Yield (Greenblatt) % is ranked higher than
61% of the 2207 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.95 vs. CHCO: 9.75 )
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: 17.6
Current: 9.75
4.7
17.6
Forward Rate of Return (Yacktman) % 12.00
CHCO's Forward Rate of Return (Yacktman) % is ranked higher than
51% of the 890 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.45 vs. CHCO: 12.00 )
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: 11.7 Max: 27.7
Current: 12
-2.4
27.7

More Statistics

Revenue (TTM) (Mil) $184.5
EPS (TTM) $ 3.72
Beta0.60
Short Percentage of Float5.60%
52-Week Range $42.98 - 74.90
Shares Outstanding (Mil)15.60

Analyst Estimate

Dec17 Dec18
Revenue (Mil $) 192 198
EPS ($) 3.43 3.66
EPS without NRI ($) 3.43 3.66
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.00%
Dividends per Share ($) 1.76 1.80
» More Articles for CHCO

Headlines

Articles On GuruFocus.com
James Barrow Divests Sysco, Weight Watchers Feb 17 2016 
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. – Value Analysis (NASDAQ:CHCO) : May 19, 2017 May 19 2017
City Holding Co. breached its 50 day moving average in a Bearish Manner : CHCO-US : May 18, 2017 May 18 2017
Can the Rally in City Holding (CHCO) Shares Continue? Apr 28 2017
City Holding posts 1Q profit Apr 24 2017
City Holding Company Announces First Quarter Results Apr 24 2017
City Holding Co. breached its 50 day moving average in a Bullish Manner : CHCO-US : April 21, 2017 Apr 21 2017
City Holding Company Holds Annual Meeting and Provides Guidance on First Quarter Earnings Apr 19 2017
City Holding Co. : CHCO-US: Dividend Analysis : April 14th, 2017 (record date) : By the numbers :... Apr 17 2017
City Holding Company Raises Dividend on Common Shares Mar 30 2017
City Holding Co. breached its 50 day moving average in a Bullish Manner : CHCO-US : March 17, 2017 Mar 17 2017
City Holding Co. : CHCO-US: Dividend Analysis : January 13th, 2017 (record date) : By the numbers :... Mar 06 2017
Top Ranked Income Stocks to Buy for February 23rd Feb 23 2017
City Holding Co. breached its 50 day moving average in a Bearish Manner : CHCO-US : February 23,... Feb 23 2017
City Holding Co. breached its 50 day moving average in a Bearish Manner : CHCO-US : January 31, 2017 Jan 31 2017
ETFs with exposure to City Holding Co. : January 24, 2017 Jan 24 2017
City Holding Co. :CHCO-US: Earnings Analysis: Q4, 2016 By the Numbers : January 20, 2017 Jan 20 2017
City Holding Company Announces Annual Earnings Jan 19 2017
Do Hedge Funds Love City Holding Company (CHCO)? Dec 11 2016

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)

GF Chat