Stock Scorecard
Stock Summary for City Holding Company (CHCO) - $121.85 as of 10/24/2025 8:10:33 PM EST
Total Score
16 out of 30
Safety Score
63 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for CHCO
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for CHCO
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for CHCO
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for CHCO
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for CHCO (63 out of 100)
| Stock Price Rating (Max of 10) | 10 |
| Historical Stock Price Rating (Max of 10) | 9 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 9 |
| Book Value to Price (Max of 10) | 0 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 8 |
| Trading Volume (Max of 10) | 3 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for CHCO
Financial Details for CHCO
Company Overview |
|
|---|---|
| Ticker | CHCO |
| Company Name | City Holding Company |
| Country | USA |
| Description | City Holding Company (CHCO) is a well-established diversified financial institution headquartered in Charleston, West Virginia, and is primarily known for its operations through City National Bank of West Virginia. The company provides a comprehensive suite of banking, investment, and trust services designed for both individual and corporate clientele across the nation. With a strong emphasis on community engagement and customer satisfaction, City Holding Company has cultivated a reputation for stability and growth, positioning itself as a compelling investment for institutional investors seeking a reliable and resilient player in the financial services sector. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 6/30/2025 |
| Next Earnings Date | N/A |
Stock Price History |
|
| Last Day Price | 121.85 |
| Price 4 Years Ago | 73.09 |
| Last Day Price Updated | 10/24/2025 8:10:33 PM EST |
| Last Day Volume | 75,085 |
| Average Daily Volume | 82,446 |
| 52-Week High | 133.60 |
| 52-Week Low | 100.15 |
| Last Price to 52 Week Low | 21.67% |
Valuation Measures |
|
| Trailing PE | 14.11 |
| Industry PE | 17.20 |
| Sector PE | 24.14 |
| 5-Year Average PE | 14.40 |
| Free Cash Flow Ratio | 18.38 |
| Industry Free Cash Flow Ratio | 6.15 |
| Sector Free Cash Flow Ratio | 42.26 |
| Current Ratio Most Recent Quarter | 0.31 |
| Total Cash Per Share | 6.63 |
| Book Value Per Share Most Recent Quarter | 55.26 |
| Price to Book Ratio | 2.31 |
| Industry Price to Book Ratio | 1.11 |
| Sector Price to Book Ratio | 2.28 |
| Price to Sales Ratio Twelve Trailing Months | 5.76 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.02 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.86 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 14,494,800 |
| Market Capitalization | 1,766,191,380 |
| Institutional Ownership | 73.82% |
Dividends |
|
| Ex-Dividend Date | 10/15/2025 |
| Previous Dividend Amount | 0.7900 |
| Current Dividend Amount | 0.8700 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 3.24 |
| Trailing Annual Dividend Yield | 2.65% |
| Forward Annual Dividend Rate | 3.48 |
| Forward Annual Dividend Yield | 2.84% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 2.55% |
| 5-Year Average Dividend Yield | 2.78% |
| 1-Year Dividend Growth Rate Percentage | 10.39% |
| 3-Year Dividend Growth Rate Percentage | 10.26% |
| 5-Year Dividend Growth Rate Percentage | 8.71% |
| All-Time Dividend Growth Rate Percentage | 8.90% |
| Dividend Payout Ratio | 39.04% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 19.40% |
| Annual Earnings Growth | 2.39% |
| Reported EPS 12 Trailing Months | 8.68 |
| Reported EPS Past Year | 6.76 |
| Reported EPS Prior Year | 7.89 |
| Net Income Twelve Trailing Months | 122,192,000 |
| Net Income Past Year | 117,101,000 |
| Net Income Prior Year | 114,365,000 |
| Quarterly Revenue Growth YOY | 9.40% |
| 5-Year Revenue Growth | 7.33% |
| Operating Margin Twelve Trailing Months | 54.60% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 96,097,000 |
| Total Cash Past Year | 225,389,000 |
| Total Cash Prior Year | 156,276,000 |
| Net Cash Position Most Recent Quarter | -53,903,000 |
| Net Cash Position Past Year | 75,389,000 |
| Long Term Debt Past Year | 150,000,000 |
| Long Term Debt Prior Year | 100,000,000 |
| Total Debt Most Recent Quarter | 150,000,000 |
| Equity to Debt Ratio Past Year | 0.83 |
| Equity to Debt Ratio Most Recent Quarter | 0.94 |
| Total Stockholder Equity Past Year | 730,664,000 |
| Total Stockholder Equity Prior Year | 677,066,000 |
| Total Stockholder Equity Most Recent Quarter | 2,243,578,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 128,895,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 8.89 |
| Free Cash Flow Past Year | 129,190,000 |
| Free Cash Flow Prior Year | 134,618,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -0.60 |
| MACD Signal | -0.99 |
| 20-Day Bollinger Lower Band | 114.61 |
| 20-Day Bollinger Middle Band | 122.65 |
| 20-Day Bollinger Upper Band | 130.70 |
| Beta | 0.53 |
| RSI | 52.96 |
| 50-Day SMA | 103.29 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 96.69 |
System |
|
| Modified | 10/24/2025 8:11:21 PM EST |