Stock AnalizCity Holding Co. CHCO
Major Banks · data as of November 13, 2026
City Holding Co. (CHCO) is a financial company listed in the US with a market value of about $2.0B. In the twelve months to September 30, 2026 it had revenue of $324M and net income of $131M, a net margin of 40.5%.
Its overall Stock Analiz score is 2.6 out of 5 (average). The strongest part is shareholder returns (5/5); the weakest is future growth (1/5).
Key numbers: a P/E of 15.6, a price to free cash flow of 14.6, 5-year revenue growth of 6% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 25% below the current price.
Score: 2.6 / 5
Checks passed
- P/E below 25
- P/FCF below 20
- Profit margin improving
- Profitable 5 years in a row
- ROE above 15%
- More cash than debt, or low debt to equity
- Positive free cash flow
- Debt below 3 years of free cash flow
Checks not passed
- P/E below the industry median
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year EPS growth above 10% a year
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $324M | $314M | $294M | $290M | $252M | $225M | $237M | $230M | $199M | $190M | $178M |
| Net income | $131M | $130M | $117M | $114M | $102M | $88M | $90M | $89M | $70M | $54M | $52M |
| Free cash flow | $138M | $128M | $129M | $135M | $114M | $99M | $84M | $100M | $67M | $70M | $60M |
| EPS (diluted) | $9.16 | $8.93 | $7.89 | $7.61 | $6.80 | $5.66 | $5.55 | $5.42 | $4.49 | $3.48 | $3.45 |
| Net margin | 40.5% | 41.5% | 39.9% | 39.5% | 40.5% | 39.1% | 37.8% | 38.9% | 35.2% | 28.6% | 29.3% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 5 analysts is $143.40, 1% above the current price; targets range from $125.00 to $150.00; the consensus rating is “Hold”; expected EPS is $9.28 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is City Holding’s P/E ratio?
About 15.6, based on the last twelve months of diluted earnings per share (forward P/E about 15.0).
Is City Holding stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 25% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does City Holding pay a dividend?
Yes. The dividend yield is about 2.81%, and it has paid dividends for 10 years in our data.
Is City Holding a good stock to buy?
We do not give buy or sell advice. City Holding scores 2.6 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.