CH
City Holding Co
CHCO—
City Holding Co AI Insights
Informational only. Not investment advice.Snapshot
- ROE of 16.6% TTM vs industry median 10% - 65% premium with debt/equity of just 0.19, indicating superior capital efficiency without leverage.[Return on Equity]
- Net margin 42.9% TTM vs industry median 25.8% - earning 66% more per revenue dollar than peers, exceptional for regional bank.[Net Margin]
- FCF of 127.7M TTM converts 97.6% of net income to cash - minimal capex (3.1M) enables 3.16/share dividend (3.6% yield).[Free Cash Flow]
Watch Triggers
- Net Margin: Falls below 35% — Would signal rate environment or credit losses eroding core profitability advantage
- Interest Expense: Exceeds 100M TTM — Deposit cost pressure would compress NIM and threaten dividend coverage
- EPS Growth 3yr: Turns negative — Already decelerating from 14.1% 5yr to 9.6% 3yr - negative would break growth story
Bull Case
ROIC of 13.9% TTM vs industry median 3.8% - 3.6x capital efficiency advantage with conservative 0.19 debt/equity creates durable earnings power.
ROICDebt to EquityROE
FCF yield of 7.3% (127.7M FCF / 1.76B market cap) with 97.6% cash conversion funds sustainable 3.6% dividend yield.
Free Cash FlowDividends Paid Per ShareMarket Cap
Bear Case
P/E of 14.0x vs median 12.6x and P/S of 5.9x vs median 3.2x - trading at 11% and 83% premiums to peers despite small scale (6.7B assets).
P/E RatioP/S RatioTotal Assets
Goodwill 158M is 20% of equity - acquisition-driven growth carries integration risk and potential impairment in downturn.
Goodwill and Other Intangible AssetsCommon Stockholders Equity
Bull vs Bear Balance
AI-generated sentiment analysis based on fundamental metrics and market conditions.
55%
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Forward Thesis
Net interest margin likely to compress as rate environment normalizes, pressuring 43% net margin.
1-3ymed
- Interest expense 87M TTM already 2x industry median ratio
- Interest income 82M vulnerable to rate cuts
- High margin leaves room for mean reversion
Interest expense TTM 87.2M vs median 42.2MNet margin 42.9% vs median 25.8%EPS growth 3yr 9.6% vs 5yr 14.1% - decelerating
Valuation Context
Caveats
Public Strategies Rankings
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CHCO Fundamentals
Finance and Insurance → Credit Intermediation and Related Activities
| Metric | Value | YoY Growth | Industry Percentile |
|---|---|---|---|
$1.78B | — | ||
$1.71B | — | ||
14 | — | ||
$297.15M | +5.4% | — | |
$8.68 | +11.5% | — | |
0% | — | ||
42.9% | +1.8% | — | |
$127.65M | -1.3% | — | |
0.17 | -0.6% | — | |
Beta 5Y (Monthly) | unknown | — |
CHCO Dividend History
99 dividends
2026
$0.870001/15/26$0.8700
2025
$3.240010/15/25$0.8700
07/15/25$0.7900
04/15/25$0.7900
01/15/25$0.7900
2024
$2.935010/15/24$0.7900
07/15/24$0.7150
04/12/24$0.7150
01/11/24$0.7150
2023
$2.665010/12/23$0.7150
07/13/23$0.6500
04/13/23$0.6500
01/12/23$0.6500
2022
$2.450010/13/22$0.6500
07/14/22$0.6000
04/14/22$0.6000
01/13/22$0.6000
2021
$2.320010/14/21$0.5800
07/14/21$0.5800
04/14/21$0.5800
01/14/21$0.5800
2020
$2.280010/14/20$0.5700
07/14/20$0.5700
04/14/20$0.5700
01/14/20$0.5700
2019
$2.160010/11/19$0.5700
07/12/19$0.5300
04/12/19$0.5300
01/14/19$0.5300
2018
$1.910010/12/18$0.5300
07/12/18$0.4600
04/12/18$0.4600
01/11/18$0.4600
2017
$1.750010/12/17$0.4400
07/12/17$0.4400
04/11/17$0.4400
01/11/17$0.4300
2016
$1.710010/12/16$0.4300
07/13/16$0.4300
04/13/16$0.4300
01/13/16$0.4200
2015
$1.660010/13/15$0.4200
07/13/15$0.4200
04/13/15$0.4200
01/13/15$0.4000
2014
$1.570010/10/14$0.4000
07/11/14$0.4000
04/11/14$0.4000
01/13/14$0.3700
2013
$1.460010/10/13$0.3700
07/11/13$0.3700
04/11/13$0.3700
01/11/13$0.3500
2012
$1.400010/11/12$0.3500
07/11/12$0.3500
04/11/12$0.3500
01/11/12$0.3500
2011
$1.360010/12/11$0.3400
07/13/11$0.3400
04/13/11$0.3400
01/12/11$0.3400
2010
$1.360010/13/10$0.3400
07/13/10$0.3400
04/13/10$0.3400
01/13/10$0.3400
2009
$1.360010/13/09$0.3400
07/13/09$0.3400
04/13/09$0.3400
01/13/09$0.3400
2008
$1.330010/10/08$0.3400
07/11/08$0.3400
04/11/08$0.3400
01/11/08$0.3100
2007
$1.210010/11/07$0.3100
07/11/07$0.3100
04/11/07$0.3100
01/10/07$0.2800
2006
$1.090010/11/06$0.2800
07/12/06$0.2800
04/11/06$0.2800
01/11/06$0.2500
2005
$0.970010/12/05$0.2500
07/13/05$0.2500
04/13/05$0.2500
01/12/05$0.2200
2004
$0.860010/13/04$0.2200
07/13/04$0.2200
04/13/04$0.2200
01/13/04$0.2000
2003
$0.750010/10/03$0.2000
07/11/03$0.2000
04/14/03$0.2000
01/14/03$0.1500
2002
$0.300010/11/02$0.1500
07/12/02$0.1500
2000
$0.440011/29/00$0.0800
08/30/00$0.0800
05/30/00$0.0800
03/08/00$0.2000
CHCO Stock Splits
No stock splits
CHCO SEC Filings
| Filing Date | Report Date | Report Type | Filing Link |
|---|---|---|---|
11/05/25 | 09/30/25 | 10-Q | |
08/06/25 | 06/30/25 | 10-Q | |
05/07/25 | 03/31/25 | 10-Q | |
02/26/25 | 12/31/24 | 10-K | |
11/06/24 | 09/30/24 | 10-Q | |
08/07/24 | 06/30/24 | 10-Q | |
05/08/24 | 03/31/24 | 10-Q | |
02/28/24 | 12/31/23 | 10-K | |
11/03/23 | 09/30/23 | 10-Q | |
08/03/23 | 06/30/23 | 10-Q | |
05/05/23 | 03/31/23 | 10-Q | |
02/22/23 | 12/31/22 | 10-K | |
11/03/22 | 09/30/22 | 10-Q | |
08/04/22 | 06/30/22 | 10-Q | |
05/05/22 | 03/31/22 | 10-Q | |
02/24/22 | 12/31/21 | 10-K | |
11/04/21 | 09/30/21 | 10-Q | |
08/05/21 | 06/30/21 | 10-Q | |
05/06/21 | 03/31/21 | 10-Q | |
02/24/21 | 12/31/20 | 10-K | |
11/05/20 | 09/30/20 | 10-Q | |
08/06/20 | 06/30/20 | 10-Q | |
05/07/20 | 03/31/20 | 10-Q | |
02/27/20 | 12/31/19 | 10-K | |
11/06/19 | 09/30/19 | 10-Q | |
08/07/19 | 06/30/19 | 10-Q | |
05/03/19 | 03/31/19 | 10-Q | |
03/11/19 | 12/31/18 | 10-K | |
11/06/18 | 09/30/18 | 10-Q | |
08/03/18 | 06/30/18 | 10-Q | |
05/03/18 | 03/31/18 | 10-Q | |
02/28/18 | 12/31/17 | 10-K | |
11/03/17 | 09/30/17 | 10-Q | |
08/04/17 | 06/30/17 | 10-Q | |
05/05/17 | 03/31/17 | 10-Q | |
02/27/17 | 12/31/16 | 10-K | |
11/03/16 | 09/30/16 | 10-Q | |
08/04/16 | 06/30/16 | 10-Q | |
05/05/16 | 03/31/16 | 10-Q | |
03/02/16 | 12/31/15 | 10-K | |
11/05/15 | 09/30/15 | 10-Q | |
08/06/15 | 06/30/15 | 10-Q | |
05/08/15 | 03/31/15 | 10-Q | |
02/27/15 | 12/31/14 | 10-K | |
11/05/14 | 09/30/14 | 10-Q | |
08/07/14 | 06/30/14 | 10-Q | |
05/08/14 | 03/31/14 | 10-Q | |
03/07/14 | 12/31/13 | 10-K | |
11/07/13 | 09/30/13 | 10-Q | |
08/06/13 | 06/30/13 | 10-Q | |
05/08/13 | 03/31/13 | 10-Q | |
03/15/13 | 12/31/12 | 10-K | |
11/09/12 | 09/30/12 | 10-Q | |
08/09/12 | 06/30/12 | 10-Q | |
05/10/12 | 03/31/12 | 10-Q | |
03/15/12 | 12/31/11 | 10-K | |
11/08/11 | 09/30/11 | 10-Q | |
08/09/11 | 06/30/11 | 10-Q | |
05/10/11 | 03/31/11 | 10-Q | |
03/08/11 | 12/31/10 | 10-K | |
11/08/10 | 09/30/10 | 10-Q | |
08/06/10 | 06/30/10 | 10-Q | |
05/07/10 | 03/31/10 | 10-Q | |
03/31/10 | 12/31/09 | 10-K | |
11/06/09 | 09/30/09 | 10-Q | |
08/10/09 | 06/30/09 | 10-Q | |
05/08/09 | 03/30/09 | 10-Q | |
03/04/09 | 12/31/08 | 10-K | |
11/05/08 | 09/30/08 | 10-Q | |
08/05/08 | 06/30/08 | 10-Q | |
05/12/08 | 03/30/08 | Unknown | -- |
02/29/08 | 12/31/07 | 10-K | |
11/06/07 | 09/30/07 | 10-Q | |
08/08/07 | 06/30/07 | 10-Q | |
05/04/07 | 03/30/07 | Unknown | -- |
03/01/07 | 12/31/06 | 10-K | |
11/06/06 | 09/30/06 | 10-Q | |
08/09/06 | 06/30/06 | 8-K | |
05/05/06 | 03/30/06 | Unknown | -- |
03/07/06 | 12/31/05 | 10-K | |
11/04/05 | 09/30/05 | 10-Q | |
08/08/05 | 06/30/05 | 10-Q | |
05/09/05 | 03/31/05 | 8-K | |
03/02/05 | 12/31/04 | 10-K | |
11/05/04 | 09/30/04 | 8-K | |
08/09/04 | 06/30/04 | 10-Q | |
05/07/04 | 03/30/04 | Unknown | -- |
03/11/04 | 12/31/03 | 10-K | |
11/10/03 | 09/30/03 | 10-Q | |
08/08/03 | 06/30/03 | 10-Q | |
05/09/03 | 03/30/03 | Unknown | -- |
03/18/03 | 12/31/02 | 10-K | |
11/14/02 | 09/30/02 | 10-Q | |
08/14/02 | 06/30/02 | 10-Q | |
05/13/02 | 03/30/02 | Unknown | -- |
03/13/02 | 12/31/01 | 10-K | |
11/14/01 | 09/30/01 | 10-Q | |
08/14/01 | 06/30/01 | 10-Q | |
05/15/01 | 03/30/01 | Unknown | -- |
03/30/01 | 12/31/00 | 10-K405 | |
11/14/00 | 09/30/00 | 10-Q | |
08/14/00 | 06/30/00 | 10-Q | |
05/15/00 | 03/30/00 | Unknown | -- |