City Holding CoCHCO +0.10%70 EV-to-FCF is 12.82 as of Jul. 11, 2026, which is 8% above its 10-year median of 11.83. GuruFocus rates CHCO with a GF Score™ of 70/100 and a GF Value™ of $130.40 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,193 Banks companies, City Holding Co ranks worse than 70.91% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, City Holding Co's Enterprise Value is $1,724.4 Mil.
City Holding Co's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $134.5 Mil. Therefore, City Holding Co's EV-to-FCF for today is 12.82.
The historical rank and industry rank for City Holding Co's EV-to-FCF or its related term are showing as below:
CHCO'
s EV-to-FCF Range Over the Past 10 Years
Min: 4.7 Med: 11.83 Max: 20.8
Current: 12.82
During the past 13 years, the highest EV-to-FCF of City Holding Co was 20.80. The lowest was 4.70. And the median was 11.83.
CHCO's EV-to-FCF is ranked worse than 70.91% of 1193
companies
in the Banks industry
Industry Median: 6.57
vs CHCO: 12.82
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
City Holding Co's PE Ratio (TTM) for today is calculated as:
City Holding Co's share price for today is $132.84.
City Holding Co's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $9.080.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
City Holding Co EV-to-FCF Related Terms
City Holding Co EV-to-FCF Historical Data
* Premium members only.
The historical data trend for City Holding Co's EV-to-FCF can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, City Holding Co's EV-to-FCF, along with its competitors' market caps and EV-to-FCF data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
City Holding Co EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, City Holding Co's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where City Holding Co's EV-to-FCF falls into.
City Holding Co's current Enterprise Value is $1,724.4 Mil.
City Holding Co's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $134.5 Mil.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
City Holding Co (CHCO) has a EV-to-FCF of 12.82 as of Jul. 11, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on City Holding Co and its competitors. This is near median its historical median of 11.83. Over the past decade, City Holding Co's EV-to-FCF has ranged from 4.70 to 20.80. According to the industry distribution chart, City Holding Co ranks #846 out of 1193 companies in the Banks industry, placing it in the top 70.9%.
Is City Holding Co's EV-to-FCF too high?
City Holding Co's current EV-to-FCF of 12.82 is near median its 10-year median of 11.83. Over the past 10 years, this metric has ranged from a low of 4.70 to a high of 20.80. The Banks industry median EV-to-FCF is 6.57. City Holding Co's value of 12.82 is 95.1% above this industry median. Based on the distribution chart, City Holding Co ranks #846 out of 1193 companies in the Banks industry, which is below the industry midpoint. Overall, City Holding Co has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does City Holding Co's EV-to-FCF compare to LOB and CASH?
According to the Banks industry distribution chart, City Holding Co ranks #846 out of 1193 companies for EV-to-FCF. This places City Holding Co in the lower half of its industry. The industry median EV-to-FCF is 6.57. City Holding Co's value of 12.82 is 95.1% above this benchmark. Historically, City Holding Co's own EV-to-FCF has ranged from 4.70 to 20.80 over the past decade. While the company's 10-year median is 11.83 vs. the industry median of 6.57, City Holding Co has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.57, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. City Holding Co's current EV-to-FCF of 12.82 is 95.1% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on City Holding Co and its competitors. For the Banks industry, the median EV-to-FCF is 6.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. City Holding Co's current EV-to-FCF is 12.82, which is near median its own 10-year median of 11.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is City Holding Co stock overvalued right now?
Based on GuruFocus' analysis, City Holding Co (CHCO) is currently considered Fairly Valued. The stock's GF Value™ is $130.40, compared to a current price of $132.84 — trading 1.9% above its estimated fair value. The current EV-to-FCF is 12.82, which is near median its 10-year median of 11.83 and 95.1% above the Banks industry median of 6.57. City Holding Co's overall GF Score™ is 70/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For City Holding Co (CHCO), the current EV-to-FCF is 12.82 as of Jul. 11, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is City Holding Co (CHCO) Overvalued in 2026?
Based on GuruFocus' analysis, City Holding Co stock appears to be overvalued.
The current stock price of $132.84 is trading 1.9% above its estimated GF Value™ of $130.40.
GuruFocus considers City Holding Co to be Fairly Valued.
Key valuation signals for CHCO:
EV-to-FCF: 12.82 (near median its 10-year median of 11.83)
GF Value™: $130.40 vs. price of $132.84 (1.9% above fair value)
Industry Position: 95.1% above the Banks median (#846 of 1193)
No single metric tells the full story. See the CHCO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
City Holding Co is a financial holding company. The company conducts its principal activities through its wholly-owned subsidiary, City National Bank of West Virginia (City National). Through the bank, it provides banking, trust and investment management, and other financial solutions through its network of banking offices located in the states of West Virginia, Virginia, southeastern Ohio, and Kentucky. It offers various products and services such as overdraft facilities, savings accounts, credit cards and debit cards, loans for various purposes, investment advisory, securities brokerage, insurance products, and others. The company's business activities are currently limited to one reportable business segment, which is community banking.
70GF Score
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