NASDAQ
CHCO
Last Price
US $134.17
KEY FIGURES
MKT CAP
$1.9B
EPS
TTM
$9.24
PEG
TTM
1.06x
P/E
TTM
14.52x
P/S
TTM
4.83x
YIELD
2.53%
GROWTH
Revenue Y/Y
Profit margin
Current Ratio
Capital Returns
16.66%
Return on equity
ROIC: 1.96%
Valuation History
14.6X
Price to Earnings
EV/EBITDA: 13X
Cash flow
Profit margin
8.98%
(FY vs FY)
EBITDA Y/Y
7.02%
(FY vs FY)
Cash flow Y/Y
8.80%
(FY vs FY)
Cash Flow (DCF)
Fair Value
Market $134.17
-6.18%
Default assumptions
EBITDA Multiple
Fair Value
Market $134.17
-56.73%
Default assumptions
Base valuations use default assumptions. Customize in the Valuator.
Valuation
Financial
Performance
Financial stability - Cash flow debt coverage.
City Holding Company cash flow to debt ratio of 25.38% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.
Financial risk - Healthy cash flow growth.
City Holding Company's free cash flow has decreased -0.57% from $129.19M last year to $128.45M, signaling decreasing performance
Financial risk - Healthy debt to equity ratio.
City Holding Company's debt to equity ratio is 0.66, which means that the company's assets are unhealthy financed, signaling financial risk. READ MORE: A ratio over 0.60 means the company finances its assets with debt, signaling financial risk. If ratio is negative, the company spent its own equity and risks bankruptcy
Financial risk - Healthy debt to equity ratio development.
City Holding Company's debt has increased relative to shareholder equity from 0.65 last year to 0.66 today, signaling weakened financials
Financial stability - Net debt/EBITDA.
City Holding Company has a net debt to EBITDA ratio of 2.13x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
City Holding Company earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
City Holding Company's profit margin has increased (5.44%) in the last year from 31.54% to 33.26%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
City Holding Company's short-term liabilities of $3.12G exceed its short-term assets of $101.93M, signaling financial risk
Decreasing performance - ROA.
City Holding Company's return on assets of 1.95% is lower than the 5.00% threshold, indicating inefficient asset utilization
Increasing performance - Absolute return on equity.
City Holding Company's return on equity of 16.66%, is higher than 15.00%, indicating good performance
Increasing performance - Earnings quality.
City Holding Company's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation
Increasing performance - Earnings stability.
City Holding Company had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
City Holding Company has positive free cash flow, indicating the company generates cash after capital expenditures
Increasing performance - FCF yield.
City Holding Company has a free cash flow yield of 6.78%, which is above the 2.00% threshold, indicating strong cash generation relative to market value
Increasing performance - Healthy earnings growth.
City Holding Company's yearly earnings has increased 11.43% since last year from $117.10M to $130.49M, signaling increasing performance
Decreasing performance - Healthy revenue growth.
City Holding Company's yearly revenue has decreased -100.00% since last year from $371.25M to $0.00, signaling decreasing performance
Decreasing performance - ROIC.
ROIC 1.96% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
City Holding Company's 3-year revenue CAGR of 15.31% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
City Holding Company had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
City Holding Company had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
City Holding Company is overvalued relative to its fair value price of 125.88 based on Discounted Cash Flow model
Undervalued - Earnings yield.
City Holding Company has an earnings yield of 6.89%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
City Holding Company is overvalued relative to its fair value price of 58.05 based on EBITDA multiple model
Undervalued - EV/EBITDA.
City Holding Company has an EV/EBITDA ratio of 13.19x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Overvalued - PEG ratio value.
City Holding Company has a PEG-ratio over 1 which is considered overvalued
Undervalued - P/B ratio.
City Holding Company has a price-to-book ratio of 2.41x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
City Holding Company has a price-to-sales ratio of 4.83x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue