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City Holding Company (CHCO)
NASDAQ:CHCO
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City Holding Company
(NASDAQ:CHCO)
64Neutral
City Holding Company (CHCO) vs. S&P 500 (SPY)
Market Cap
$1.68B
Dividend Yield2.63%
Average Volume (3M)48.84K
Price to Earnings (P/E)14.8
Beta (1Y)0.77
Revenue Growth11.10%
EPS Growth3.74%
CountryUS
Employees973
SectorFinancial
Sector Strength77
IndustryBanking
Share Statistics
EPS (TTM)7.89
Shares Outstanding14,668,119
10 Day Avg. Volume55,582
30 Day Avg. Volume48,839
Financial Highlights & Ratios
PEG Ratio3.96
Price to Book (P/B)N/A
Price to Sales (P/S)5.87
Price to Cash Flow (P/CF)12.70
P/FCF Ratio5.00
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
$127.50Price Target Upside11.31% Upside
Rating ConsensusHold
Number of Analyst Covering3
City Holding Company Business Overview & Revenue Model
Company DescriptionCity Holding Company (CHCO) is a financial holding company headquartered in Charleston, West Virginia. The company operates primarily through its wholly-owned subsidiary, City National Bank of West Virginia, providing a range of financial services. These services include retail and commercial banking, which encompasses personal and business banking solutions such as savings and checking accounts, loans, credit cards, and wealth management services. City Holding Company primarily serves customers in West Virginia, Kentucky, Virginia, and Ohio.
How the Company Makes MoneyCity Holding Company generates revenue primarily through its banking operations. The company's key revenue streams include interest income from loans and deposits, non-interest income from service charges on deposit accounts, and fees related to wealth management and investment services. Interest income is a substantial part of the company's earnings, as it involves the interest earned on loans extended to customers minus the interest paid on customer deposits. Additionally, City Holding Company benefits from strategic partnerships and investments in financial products and services that enhance its market position and revenue potential. Factors such as regional economic conditions, interest rates, and regulatory changes also play a significant role in influencing the company's earnings.
City Holding Company Financial Statement Overview
Summary
City Holding Company demonstrates a robust financial position with strong equity and cash flow management. While revenue and profit margins have shown growth historically, recent data irregularities and potential operational challenges need attention. The company maintains a low-risk profile due to zero debt in the latest year, supporting its stability in the banking industry.Income Statement
City Holding Company has shown consistent revenue growth over the years, with a notable increase in EBIT, indicating efficient cost management. However, the lack of reported EBITDA for the most recent year and the zero revenue in 2024 suggest data issues or operational challenges that may need to be addressed.74
Positive
Balance Sheet
The company's balance sheet is strong with zero debt in the latest year, which significantly improves the debt-to-equity ratio. The equity ratio is stable, reflecting a solid financial foundation. However, fluctuations in stockholders' equity and total assets over the years require monitoring.82
Very Positive
Cash Flow
Operating cash flow remains positive, indicating good cash generation from core operations. However, free cash flow growth has been inconsistent, and the company's investing and financing cash flows indicate potential volatility in investments and capital structure adjustments.68
Positive
| Breakdown | ||||
| Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|
| Income Statement | Total Revenue | |||
| 285.06M | 286.63M | 246.08M | 218.76M | 231.43M | Gross Profit |
| 285.06M | 286.63M | 246.08M | 218.76M | 231.43M | EBIT |
| -243.91M | 148.26M | 136.99M | 111.19M | 111.31M | EBITDA |
| 0.00 | 0.00 | 143.11M | 125.81M | 121.98M | Net Income Common Stockholders |
| 117.10M | 114.36M | 102.07M | 88.08M | 89.59M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | |||
| 1.54B | 156.28M | 1.71B | 2.04B | 1.71B | Total Assets |
| 6.46B | 6.17B | 5.88B | 6.00B | 5.76B | Total Debt |
| 150.00M | 434.86M | 290.96M | 312.46M | 295.96M | Net Debt |
| -75.39M | 278.58M | 90.96M | -322.17M | -232.70M | Total Liabilities |
| 5.73B | 5.49B | 5.30B | 5.34B | 3.20M | Stockholders Equity |
| 730.66M | 677.07M | 577.85M | 681.11M | 701.11M |
| Cash Flow | Free Cash Flow | |||
| 112.41M | 134.62M | 113.68M | 98.95M | 84.25M | Operating Cash Flow |
| 112.41M | 137.58M | 115.82M | 102.27M | 89.80M | Investing Cash Flow |
| 1.61M | 14.68M | -410.45M | -191.17M | -285.29M | Financing Cash Flow |
| -60.68M | -195.98M | -140.00M | 194.87M | 584.01M |
City Holding Company Technical Analysis
Negative
114.54
Price Trends
118.02
Negative
121.35
Negative
115.97
Negative
Market Momentum
-1.00
Positive
39.75
Neutral
28.01
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CHCO, the sentiment is Negative. The current price of 114.54 is below the 20-day moving average (MA) of 117.66, below the 50-day MA of 118.02, and below the 200-day MA of 115.97, indicating a bearish trend. The MACD of -1.00 indicates Positive momentum. The RSI at 39.75 is Neutral, neither overbought nor oversold. The STOCH value of 28.01 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CHCO.
City Holding Company Risk Analysis
City Holding Company disclosed 34 risk factors in its most recent earnings report. City Holding Company reported the most risks in the “Finance & Corporate” category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
City Holding Company Peers Comparison
Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
76 Outperform | $5.50B | 14.04 | 10.38% | 2.71% | 8.83% | 3.77% | |
73 Outperform | $4.51B | 20.53 | 14.87% | 1.49% | 16.28% | 9.61% | |
69 Neutral | $2.97B | 14.46 | 5.69% | 4.67% | 13.59% | -10.62% | |
64 Neutral | $1.68B | 14.79 | 16.49% | 2.63% | 11.10% | 3.74% | |
64 Neutral | $13.80B | 10.64 | 9.23% | 4.22% | 17.66% | -7.66% | |
62 Neutral | $3.18B | 11.71 | 9.69% | 3.95% | 21.10% | -4.20% | |
54 Neutral | $563.25M | 12.16 | -5.77% | 7.66% | -14.04% | -155.40% |
* Financial Sector Average
Performance Comparison
CHCO
City Holding Company
114.54
15.23
15.34%
FULT
Fulton Financial
17.24
2.57
17.52%
HOMB
Home Bancshares
27.68
4.54
19.62%
WSBC
WesBanco
30.56
2.99
10.85%
SFBS
ServisFirst Bancshares
81.18
18.26
29.02%
WASH
Washington Bancorp
29.16
5.10
21.20%
Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.