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City Holding CoCHCO -2.01%70 FCF Margin % is 40.09% as of Jun. 2026, which is 8% below its 10-year median of 43.41. GuruFocus rates CHCO with a GF Score™ of 70/100 and a GF Value™ of $133.35 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,499 Banks companies, City Holding Co ranks better than 71.38% on this metric.
The historical data trend for City Holding Co's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, City Holding Co's FCF Margin % distribution charts can be found below:
* The bar in red indicates where City Holding Co's FCF Margin % falls into.
* 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 FCF Margin % of 40.09% as of Jun. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on City Holding Co and its competitors. This is near median its historical median of 43.41. Over the past decade, City Holding Co's FCF Margin % has ranged from 34.51 to 47.67. According to the industry distribution chart, City Holding Co ranks #429 out of 1499 companies in the Banks industry, placing it in the top 28.6%.
Is City Holding Co's FCF Margin % too high?
City Holding Co's current FCF Margin % of 40.09% is near median its 10-year median of 43.41. Over the past 10 years, this metric has ranged from a low of 34.51 to a high of 47.67. The Banks industry median FCF Margin % is 27.12. City Holding Co's value of 40.09% is 47.8% above this industry median. Based on the distribution chart, City Holding Co ranks #429 out of 1499 companies in the Banks industry, which is above 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 FCF Margin % compare to LOB and NBHC?
According to the Banks industry distribution chart, City Holding Co ranks #429 out of 1499 companies for FCF Margin %. This puts City Holding Co in the upper half of its industry. The industry median FCF Margin % is 27.12. City Holding Co's value of 40.09% is 47.8% above this benchmark. Historically, City Holding Co's own FCF Margin % has ranged from 34.51 to 47.67 over the past decade. While the company's 10-year median is 43.41 vs. the industry median of 27.12, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 27.12, based on 1,499 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. City Holding Co's current FCF Margin % of 40.09% is 47.8% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on City Holding Co and its competitors. For the Banks industry, the median FCF Margin % is 27.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. City Holding Co's current FCF Margin % is 40.09%, which is near median its own 10-year median of 43.41. 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 $133.35, compared to a current price of $143.15 — trading 7.3% above its estimated fair value. The current FCF Margin % is 40.09%, which is near median its 10-year median of 43.41 and 47.8% above the Banks industry median of 27.12. City Holding Co's overall GF Score™ is 70/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For City Holding Co (CHCO), the current FCF Margin % is 40.09% as of Jun. 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 $143.15 is trading 7.3% above its estimated GF Value™ of $133.35.
GuruFocus considers City Holding Co to be Fairly Valued.
Key valuation signals for CHCO:
FCF Margin %: 40.09% (near median its 10-year median of 43.41)
GF Value™: $133.35 vs. price of $143.15 (7.3% above fair value)
Industry Position: 47.8% above the Banks median (#429 of 1499)
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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