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City Holding CoCHCO -2.01%70 Return-on-Tangible-Equity is 20.66% as of Jun. 2026, which is 23% above its 10-year median of 16.80. 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 1,522 Banks companies, City Holding Co ranks better than 90.08% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. City Holding Co's annualized net income for the quarter that ended in Jun. 2026 was $133.2 Mil. City Holding Co's average shareholder tangible equity for the quarter that ended in Jun. 2026 was $644.5 Mil. Therefore, City Holding Co's annualized Return-on-Tangible-Equity for the quarter that ended in Jun. 2026 was 20.66%.
The historical rank and industry rank for City Holding Co's Return-on-Tangible-Equity or its related term are showing as below:
CHCO'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: 13.8 Med: 16.8 Max: 23.42
Current: 20.68
During the past 13 years, City Holding Co's highest Return-on-Tangible-Equity was 23.42%. The lowest was 13.80%. And the median was 16.80%.
CHCO's Return-on-Tangible-Equity is ranked better than 90.08% of 1522
companies
in the Banks industry
Industry Median: 11.44
vs CHCO: 20.68
City Holding Co (NAS:CHCO) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
City Holding Co Return-on-Tangible-Equity Related Terms
City Holding Co Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for City Holding Co's Return-on-Tangible-Equity 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.
CHCO vs LOB, NBHC, SRCE: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, City Holding Co's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, City Holding Co's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where City Holding Co's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Jun. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 20.66% mean?
City Holding Co (CHCO) has a Return-on-Tangible-Equity of 20.66% as of Jun. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on City Holding Co and its competitors. This is 23% above median its historical median of 16.80. Over the past decade, City Holding Co's Return-on-Tangible-Equity has ranged from 13.80 to 23.42. According to the industry distribution chart, City Holding Co ranks #151 out of 1522 companies in the Banks industry, placing it in the top 9.9%.
Is City Holding Co's Return-on-Tangible-Equity too high?
City Holding Co's current Return-on-Tangible-Equity of 20.66% is 23% above median its 10-year median of 16.80. Over the past 10 years, this metric has ranged from a low of 13.80 to a high of 23.42. The Banks industry median Return-on-Tangible-Equity is 11.44. City Holding Co's value of 20.66% is 80.6% above this industry median. Based on the distribution chart, City Holding Co ranks #151 out of 1522 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. 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 Return-on-Tangible-Equity compare to LOB and NBHC?
According to the Banks industry distribution chart, City Holding Co ranks #151 out of 1522 companies for Return-on-Tangible-Equity. This places City Holding Co in the top 10% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.44. City Holding Co's value of 20.66% is 80.6% above this benchmark. Historically, City Holding Co's own Return-on-Tangible-Equity has ranged from 13.80 to 23.42 over the past decade. While the company's 10-year median is 16.80 vs. the industry median of 11.44, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.44, based on 1,522 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. City Holding Co's current Return-on-Tangible-Equity of 20.66% is 80.6% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on City Holding Co and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. City Holding Co's current Return-on-Tangible-Equity is 20.66%, which is 23% above median its own 10-year median of 16.80. 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 Return-on-Tangible-Equity is 20.66%, which is 23% above median its 10-year median of 16.80 and 80.6% above the Banks industry median of 11.44. 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 Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For City Holding Co (CHCO), the current Return-on-Tangible-Equity is 20.66% 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:
Return-on-Tangible-Equity: 20.66% (23% above median its 10-year median of 16.80)
GF Value™: $133.35 vs. price of $143.15 (7.3% above fair value)
Industry Position: 80.6% above the Banks median (#151 of 1522)
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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