CHCO Financial Services

City Holding Company

$142.95-1.73%

Price as of close on Nov 3, 2026 · Financials updated Nov 3, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 2.0B USD
Full-time employees: 926

Overall health

Strength: more profitable than most peersmore profitable than peers
Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings
About average: growth

Ranks #455 of 791 banks & insurance companies (bottom 43%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Annual revenue rose 5 years in a row. Fiscal-year revenue rose from $61M in 2020 to $74M in 2025.
City's fiscal-year revenue rose in each of the five years to 2025, from $61M to $74M.

StockQuotient Score

48/ 100

Oct 5 48 → Nov 4 48

Valuation

Is the price right?

24/100

Weak

2/2 inputs reported · High confidence

Since last year: ▲ Stronger

Share count down 2.5%

Valuation also moves with the share price every day.

Why

Weaker than most peers on:

▼ P/B
▼ Earnings yield

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield41.1%

SEC filings · latest balance sheetReported value40% base weight · Z-score -1.35Sector median: 0.7950 · MAD: 0.2843

Earnings yield6.7%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score -0.48Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield7.0%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

45/100

Moderate▲ 1 since Oct 27 close

1/1 inputs reported · High confidence

Since last year: ▲ Stronger

12-month revenue up 3.2%

Why it changed since the Oct 27, 2026 close: Score 44 → 45

Peer companies moved+1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth11.3%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score -0.26Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth2.9%

SEC filings · 3 years to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth3.2%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

76/100

Moderate

2/2 inputs reported · High confidence

Since last year: No major change

Why

Stronger than most peers on:

▲ ROE
▲ ROA

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.9%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 1.23Sector median: 0.0117 · MAD: 0.0062

Return on equity16.3%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score 1.43Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about City

Is City getting weaker?: Its latest SEC filing (Aug 5, 2026) got stronger: share count down 2.5%. Its overall score is unchanged at 48/100 since Oct 28, 2026.
How is City valued vs its peers?: Priced higher than most peers relative to what it earns. Valuation scores 24/100 against 950 banks & insurance peers. Book yield 41.1% vs a peer median of 79.5% (weaker than 85% of peers).Book yield 41.1% vs peers 79.5% (weaker than 85% of peers).
Is City growing?: At about the same pace as its peers. Growth scores 45/100 against 950 banks & insurance peers.
How profitable is City?: More profitable than most of its peers. Profitability scores 76/100 against 950 banks & insurance peers. Return on equity 16.3% vs a peer median of 10.7% (stronger than 81% of peers).Return on equity 16.3% vs peers 10.7% (stronger than 81% of peers).
How risky is City?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Year ended Dec 31, 2025 · filed Aug 5, 2026 · compared with the year ended Dec 31, 2024

Got stronger

Share count down 2.5%

	Previous year	Latest year	Change
Revenue (12 months)	72.0M USD	74.3M USD	+3.2%
Net income (12 months)	127.6M USD	131.8M USD	+3.3%
Free cash flow (12 months)	127.7M USD	138.5M USD	+8.5%
Debt	150.0M USD	150.0M USD	0.0%
Cash	225.6M USD	267.2M USD	+18.4%
Shares outstanding	14.4M	14.0M	−2.5%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one year at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Net margin	135.7%	149.9%	165.6%	162.7%	175.6%	▲ 13 pts
Return on assets (ROA)	1.5%	1.7%	1.9%	1.8%	1.9%	▲ 0.1 pts
Return on equity (ROE)	12.9%	17.7%	16.9%	16.0%	16.1%	▲ 0.1 pts
Debt to equity	—	0.00×	0.15×	0.21×	0.19×	▼ 9.8%

CHCO price history

Price history is added with the daily price update and will appear after the next one.

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Sector leaderboards

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Bringing the fundamentals into focus…

Overall health

Strength: more profitable than most peersmore profitable than peers

Drawback: its shares are priced higher than most peers relative to what it earnspriced higher than peers for its earnings

About average: growth

Ranks #455 of 791 banks & insurance companies (bottom 43%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about City

Is City getting weaker?

Its latest SEC filing (Aug 5, 2026) got stronger: share count down 2.5%. Its overall score is unchanged at 48/100 since Oct 28, 2026.

How is City valued vs its peers?

Priced higher than most peers relative to what it earns. Valuation scores 24/100 against 950 banks & insurance peers. Book yield 41.1% vs a peer median of 79.5% (weaker than 85% of peers).Book yield 41.1% vs peers 79.5% (weaker than 85% of peers).

Is City growing?

At about the same pace as its peers. Growth scores 45/100 against 950 banks & insurance peers.

How profitable is City?

More profitable than most of its peers. Profitability scores 76/100 against 950 banks & insurance peers. Return on equity 16.3% vs a peer median of 10.7% (stronger than 81% of peers).Return on equity 16.3% vs peers 10.7% (stronger than 81% of peers).

How risky is City?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous year

Latest year

Change

Revenue (12 months)

72.0M USD

74.3M USD

+3.2%

Net income (12 months)

127.6M USD

131.8M USD

+3.3%

Free cash flow (12 months)

127.7M USD

138.5M USD

+8.5%

Debt

150.0M USD

150.0M USD

0.0%

Cash

225.6M USD

267.2M USD

+18.4%

Shares outstanding

14.4M

14.0M

−2.5%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Net margin

135.7%

149.9%

165.6%

162.7%

175.6%

▲ 13 pts

Return on assets (ROA)

1.5%

1.7%

1.9%

1.8%

1.9%

▲ 0.1 pts

Return on equity (ROE)

12.9%

17.7%

16.9%

16.0%

16.1%

▲ 0.1 pts

Debt to equity

—

0.00×

0.15×

0.21×

0.19×

▼ 9.8%