City Holding Company (CHCO)
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No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | $m | 231 | 219 | 246 | 282 | 285 | 307 | 299 | - |
| Operating profit | $m | 163 | 144 | ||||||
| Net profit | $m | 90 | 88 | 102 | 114 | 117 | 130 | 132 | 133 |
| EPS reported | $ | 8.94 | 9.14 | ||||||
| Operating cashflow per share | $ | 9.15 | 10.13 | ||||||
| Capex per share | $ | 0.20 | 0.27 | ||||||
| FCF per share | $ | 8.95 | 9.86 | ||||||
| Free cash flow | $m | 128 | 138 | ||||||
| Net debt | $m | -462 | -1,246 | ||||||
| Book value equity | $m | 810 | 809 | ||||||
| Book value per share | $ | 56.36 | 57.53 | ||||||
| Number of shares | m | 14.37 | 14.06 | ||||||
| DPS (TTM paid) | $ | 3.24 | 3.48 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 13.33 | 15.53 | ||||||
| P/B LTM | x | 2.11 | 2.12 | ||||||
| P/S LTM | x | 5.57 | 5.72 | ||||||
| P/FCF LTM | x | 13.33 | 12.36 | ||||||
| EV/EBITDA LTM | x | 11.90 | 11.62 | ||||||
| EV/Sales LTM | x | 5.20 | 6.10 | ||||||
| Earnings Yield LTM | % | +7.50% | +6.44% | ||||||
| FCF Yield | % | +7.50% | +8.09% | ||||||
| Quality | |||||||||
| ROE | % | +16.12% | +16.41% | ||||||
| ROIC | % | +9.24% | +8.09% | ||||||
| Operating margin | % | +41.46% | +38.00% | ||||||
| Gross margin | % | +79.01% | +78.78% | ||||||
| FCF/Sales | % | +32.76% | +36.46% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +13.31% | +15.84% | ||||||
| Sales Growth YoY | % | +7.80% | +4.97% | ||||||
| Net Income Growth YoY | % | +11.43% | +12.54% | ||||||
| FCF Growth | % | -0.57% | +7.17% | ||||||
| Operating Profit Growth | % | +12.49% | -0.15% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +2.76% | +2.39% | ||||||
| Dividend Growth | % | +10.39% | +18.57% | ||||||
| Payout Ratio | % | +36.82% | +37.53% | ||||||
| FCF/Debt | x | 0.25 | 0.26 | ||||||
| Net Debt/EBITDA | x | 1.90 | 1.48 | ||||||
| EBIT/Net interest | x | 1.92 | 1.79 | ||||||
| Net debt/market cap | % | +30.25% | +25.68% | ||||||
| Net debt/Equity | x | -0.57 | -1.54 | ||||||
| Gross debt/equity | x | 0.64 | 0.65 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
City Holding Company operates as the parent entity for City National Bank of West Virginia, offering a broad spectrum of financial services including banking, wealth management, and investment solutions throughout the United States. Its product suite features various deposit accounts like checking, savings, money market, certificates of deposit, and individual retirement accounts. The company provides an extensive range of loan products, such as commercial and industrial financing primarily for small to mid-sized enterprises, commercial real estate loans secured by non-residential and multi-family properties, residential real estate loans for home purchases or refinancing, and first-priority home equity loans. Consumer loans are also available, which can be secured by assets like vehicles, boats, recreational vehicles, or CDs, or remain unsecured; the company also covers demand deposit account overdrafts. Its mortgage banking division handles fixed and adjustable-rate mortgages, construction financing, land acquisition loans, and the origination of conventional and government-insured mortgages, supported by secondary market operations and mortgage servicing. For business clients, services include treasury management, lockbox facilities, and other cash management tools, as well as merchant credit card processing. The wealth management segment delivers trust administration, investment, and custodial services to both corporate and individual clients, encompassing corporate trust, institutional custody, financial and estate planning, and retirement plan services. Additionally, it offers modern banking access via ATMs, interactive teller machines (ITMs), mobile banking, interactive voice response (IVR) systems, and various credit and debit card services. The company maintains a presence with 94 branches and approximately 905 full-time equivalent employees across West Virginia, Virginia, Kentucky, and Ohio. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
City Holding Company (CHCO)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
City Holding Company operates as the parent entity for City National Bank of West Virginia, offering a broad spectrum of financial services including banking, wealth management, and investment solutions throughout the United States. Its product suite features various deposit accounts like checking, savings, money market, certificates of deposit, and individual retirement accounts. The company provides an extensive range of loan products, such as commercial and industrial financing primarily for small to mid-sized enterprises, commercial real estate loans secured by non-residential and multi-family properties, residential real estate loans for home purchases or refinancing, and first-priority home equity loans. Consumer loans are also available, which can be secured by assets like vehicles, boats, recreational vehicles, or CDs, or remain unsecured; the company also covers demand deposit account overdrafts. Its mortgage banking division handles fixed and adjustable-rate mortgages, construction financing, land acquisition loans, and the origination of conventional and government-insured mortgages, supported by secondary market operations and mortgage servicing. For business clients, services include treasury management, lockbox facilities, and other cash management tools, as well as merchant credit card processing. The wealth management segment delivers trust administration, investment, and custodial services to both corporate and individual clients, encompassing corporate trust, institutional custody, financial and estate planning, and retirement plan services. Additionally, it offers modern banking access via ATMs, interactive teller machines (ITMs), mobile banking, interactive voice response (IVR) systems, and various credit and debit card services. The company maintains a presence with 94 branches and approximately 905 full-time equivalent employees across West Virginia, Virginia, Kentucky, and Ohio. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.
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