City Holding Company (CHCO) AI Stock Analysis

• Market Cap: $1.72B
• Dividend Yield: 2.64%
• Average Volume (3M): 78.19K
• Price to Earnings (P/E): 14.6
• Beta (1Y): 0.59
• Revenue Growth: 8.80%
• EPS Growth: 0.22%
• Country: US
• Employees: 942
• Sector: Financial
• Sector Strength: 86
• Industry: Banks - Regional
• EPS (TTM): 7.97
• Shares Outstanding: 14,482,511
• 10 Day Avg. Volume: 57,096
• 30 Day Avg. Volume: 78,192
• PEG Ratio: 67.80
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: 1.21
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: 7.30
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: $125.00
• Price Target Upside: 4.92% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 3

City Holding Company maintains a strong financial position with zero debt and steady revenue growth, but recent data irregularities and operational concerns need addressing. Technical indicators suggest moderate momentum, while the stock's valuation is fair within its industry context, supported by a decent dividend yield.

City Holding Company Business Overview & Revenue Model

Company Description

City Holding Company operates as a holding company for City National Bank of West Virginia that provides various banking, trust and investment management, and other financial solutions in the United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. It also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of residence; first-priority home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts. In addition, the company offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government insured mortgages, secondary marketing, and mortgage servicing. Further, it provides deposit services for commercial customers comprising treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. The company operates through a network of 94 branches and 905 full-time equivalent associates in West Virginia, Virginia, Kentucky, and Ohio. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.

How the Company Makes Money

City 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 has a robust financial foundation with zero debt and consistent revenue growth. However, recent data issues and operational challenges may affect future performance, requiring attention.

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.

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.

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.

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

• Technical Analysis Sentiment: Positive
• Last Price: 119.14
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CHCO, the sentiment is Positive. The current price of 119.14 is above the 20-day moving average (MA) of 115.05, above the 50-day MA of 115.43, and above the 200-day MA of 117.58, indicating a bullish trend. The MACD of 0.86 indicates Negative momentum. The RSI at 59.71 is Neutral, neither overbought nor oversold. The STOCH value of 58.19 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CHCO.

City Holding Company Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OFG	79 Outperform	$1.86B	9.87	15.46%	2.57%	7.84%	6.82%
CASH	75 Outperform	$1.95B	11.06	22.88%	0.24%	3.25%	11.22%
EFSC	72 Outperform	$1.94B	10.38	10.80%	2.08%	7.26%	9.76%
BUSE	71 Outperform	$1.95B	20.22	3.32%	4.53%	1.05%	-45.72%
CHCO	70 Outperform	$1.72B	14.64	16.25%	2.64%	8.80%	0.22%
MBIN	67 Neutral	$1.41B	5.72	14.81%	1.23%	9.00%	-14.72%
Sector *	64 Neutral	$12.54B	9.79	7.92%	16985.69%	12.58%	-6.07%