# City Holding Company (CHCO) fundamentals

Data as of 2026-09-08. NASDAQ, United States. Sector: Financial Services / Banks. Price $145.57, market value $2.0 billion.

## Valuation
- **P/E (trailing): 15.9×** (5-yr avg 13.2×, 3-yr avg 13.6×). City Holding Company trades at 15.9× trailing earnings, well above its own five-year average of 13.2×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 15.2×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 1.15**. A PEG of 1.15 is in the range usually read as fairly priced for its growth.
- **Price / sales: 27.5×**. Each dollar of revenue is priced at 27.5×, a level that requires very high margins or very fast growth to justify.
- **Price / book: 2.5×**. The shares trade at 2.5× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: 6.8%** (5-yr avg 8.5%). Free cash flow equals 6.8% of the market value, in line with its five-year average of 8.5%. Above 5% is generally attractive.
- **Earnings yield: 6.3%**. The inverse of the P/E: 6.3% of the price is earned each year.

## Profitability
- **Net margin: 175.6%**. 175.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 16.1%**. 16.1% on shareholders' equity is solid.
- **Return on assets: 1.9%**. Each dollar of assets produces 1.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 3.2%** (3-yr 2.9%/yr, 5-yr 3.9%/yr). Revenue grew 3.2% over the last year, against 3.9% a year compounded over five years.
- **EPS growth (1 yr): 13.2%** (3-yr 9.5%/yr, 5-yr 10.0%/yr). Earnings per share rose 13.2%, faster than revenue, so margins expanded or the share count shrank.
- **Free-cash-flow growth (3 yr): 4.2%/yr**. Free cash flow has compounded at 4.2% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: $192 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 2.39%** ($3.48 per share, trailing). City Holding Company yields 2.39%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 36%** (35% of free cash flow). 36% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 24**. 24 straight years of increases, a record that survived at least one recession.
- **Dividend growth (5 yr): 7.3%/yr** (1-yr 10.4%). The dividend has grown 7.3% a year over five years.

## Analyst view
- **Analyst consensus: hold** (5 analysts). 5 analysts cover City Holding Company; the consensus is hold, with an average price target of $140.40 (-4% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 15.0%** (YTD 24.6%, 3-mo 15.6%). The shares are up 15.0% over twelve months including dividends.
- **From 52-week high: -2.3%** (28.6% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 59**. An RSI of 59 is neutral.
- **Beta (1 yr): 0.26** (volatility 18%). Beta of 0.26 against the S&P 500: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=CHCO · Page: https://foliofundamentals.com/stocks/chco

Not investment advice.