Stock Scorecard
Stock Summary for City Holding Company (CHCO) - $124.15 as of 9/17/2025 8:21:05 PM EST
Total Score
17 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 diversified financial institution headquartered in Charleston, West Virginia, primarily serving through its wholly-owned subsidiary, City National Bank of West Virginia. The company provides a comprehensive range of banking, investment, and trust services, catering to both individual and corporate clients across the United States. With a strong emphasis on community-oriented banking and a commitment to customer satisfaction, City Holding Company has established a solid presence in the financial sector, positioning itself for sustainable growth and stability in the evolving economic landscape. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 6/30/2025 |
| Next Earnings Date | 10/23/2025 |
Stock Price History |
|
| Last Day Price | 124.15 |
| Price 4 Years Ago | 73.62 |
| Last Day Price Updated | 9/17/2025 8:21:05 PM EST |
| Last Day Volume | 55,803 |
| Average Daily Volume | 82,069 |
| 52-Week High | 134.55 |
| 52-Week Low | 100.86 |
| Last Price to 52 Week Low | 23.09% |
Valuation Measures |
|
| Trailing PE | 14.93 |
| Industry PE | 17.03 |
| Sector PE | 24.84 |
| 5-Year Average PE | 16.44 |
| Free Cash Flow Ratio | 10.46 |
| Industry Free Cash Flow Ratio | 7.17 |
| Sector Free Cash Flow Ratio | 42.30 |
| Current Ratio Most Recent Quarter | 0.20 |
| Total Cash Per Share | 11.87 |
| Book Value Per Share Most Recent Quarter | 52.72 |
| Price to Book Ratio | 2.35 |
| Industry Price to Book Ratio | 1.15 |
| Sector Price to Book Ratio | 2.33 |
| Price to Sales Ratio Twelve Trailing Months | 5.96 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.19 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.15 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 14,494,800 |
| Market Capitalization | 1,799,529,420 |
| Institutional Ownership | 73.87% |
Dividends |
|
| Ex-Dividend Date | 7/15/2025 |
| Previous Dividend Amount | 0.7900 |
| Current Dividend Amount | 0.7900 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 3.16 |
| Trailing Annual Dividend Yield | 2.52% |
| Forward Annual Dividend Rate | 3.16 |
| Forward Annual Dividend Yield | 2.52% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 2.53% |
| 5-Year Average Dividend Yield | 2.76% |
| 1-Year Dividend Growth Rate Percentage | 7.67% |
| 3-Year Dividend Growth Rate Percentage | 3.76% |
| 5-Year Dividend Growth Rate Percentage | 8.03% |
| All-Time Dividend Growth Rate Percentage | 8.86% |
| Dividend Payout Ratio | 38.07% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 16.70% |
| Annual Earnings Growth | 2.39% |
| Reported EPS 12 Trailing Months | 8.29 |
| Reported EPS Past Year | 4.35 |
| Reported EPS Prior Year | 7.89 |
| Net Income Twelve Trailing Months | 121,886,000 |
| Net Income Past Year | 117,101,000 |
| Net Income Prior Year | 114,365,000 |
| Quarterly Revenue Growth YOY | 9.80% |
| 5-Year Revenue Growth | 7.33% |
| Operating Margin Twelve Trailing Months | 52.70% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 172,124,000 |
| Total Cash Past Year | 225,389,000 |
| Total Cash Prior Year | 156,276,000 |
| Net Cash Position Most Recent Quarter | 22,124,000 |
| 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 | 0.84 |
| Total Stockholder Equity Past Year | 730,664,000 |
| Total Stockholder Equity Prior Year | 677,066,000 |
| Total Stockholder Equity Most Recent Quarter | 764,215,000 |
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 | 0.32 |
| MACD Signal | 0.89 |
| 20-Day Bollinger Lower Band | 113.47 |
| 20-Day Bollinger Middle Band | 122.55 |
| 20-Day Bollinger Upper Band | 131.63 |
| Beta | 0.58 |
| RSI | 43.98 |
| 50-Day SMA | 103.01 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 96.13 |
System |
|
| Modified | 9/17/2025 8:21:07 PM EST |