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General information

Country: UNITED STATES

Sector: Banks — Regional

City Holding Company is a multi-bank holding company. The Banks provide diversified financial products and services to consumers and local businesses in West Virginia, Ohio, and California. City Holding provides credit, deposit, investment advisory, securities brokerage, insurance, and technology products and services.
Website: cognex.com



Growth: Bad revenue growth rate -1.7%, there is slowdown compared to average historical growth rates -1.5%. The revenue growth dynamics is unstable Site traffic for the last 3 months showed a change of -0.2%

Profitability: LTM net profit margin is positive, +48.9%. On average the margin is improving unsteadily. Gross margin is high, +100.0%. In the last quarter the company did not beat the estimated EPS, -11.4%. The company was ahead of estimated EPS in 80% of quarters (showing a gain of +$0.10 per share on average)

Cash Flow Generation: Dividend yield for the last twelve months 2.6%.

Undervaluation: Fundamental value created in LTM (estimate)


Entry Point: Share price is 44.2% higher than minimum and 10.0% lower than maximum for the last 3 years

AI Insight: the companies with similar growth trajectories, Net Income margin, industries and geography on average are valued 3.8x by P / Sales multiple , the company can be 43.9% overvalued

Insiders: For the last 3 months insiders sold company shares on $1.2 mln (-0.078% of cap.)

Key Financials (Download financials)

Ticker: CHCO
Share price, USD:  (+0.2%)104.22
year average price 96.16  


year start price 90.88 2023-03-31

min close price 83.57 2023-05-11

max close price 115.77 2023-12-27

current price 104.22 2024-03-29
Common stocks: 14 964 300

Dividend Yield:  2.6%
P / E LTM: 13.8x
P / E annualized: 11.5x
Last revenue growth (y/y):  -1.7%
Last growth of Net Income (y/y):  54.5%
Historical revenue growth:  -1.5%
Historical growth of Net Income:  20.1%
P / Sales: 6.8x
Margin (Net Income LTM / Revenue): 48.9%
Fundamental value created in LTM:
Market Cap ($m): 1 560
Price to Book: 2.3x

Revenue and Net Income

Quarterly values ($m)

Change (y/y)

Share price and dividends (Download history)

Share price

Payment USD per share

Multiple and potential

EV / Sales

Potential dynamics

News


2024-01-24Zacks Investment Research

City Holding (CHCO) Reports Q4 Earnings: What Key Metrics Have to Say

2023-12-29Zacks Investment Research

City Holding (CHCO) Upgraded to Buy: What Does It Mean for the Stock?

2023-10-24Zacks Investment Research

City Holding (CHCO) Tops Q3 Earnings and Revenue Estimates

2023-09-26Zacks Investment Research

What Makes City Holding (CHCO) a New Buy Stock

2023-08-10Zacks Investment Research

After Golden Cross, City Holding (CHCO)'s Technical Outlook is Bright

2023-04-25Zacks Investment Research

City Holding (CHCO) Beats Q1 Earnings and Revenue Estimates
More information for subscribed users:
detailed calculation of
Fundamental value created in LTM

Financial reporting

Income Statement

Property 2023 q4 2023 q3 2023 q2 2023 q1 2022 q4 2022 q3
date 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30
symbol CHCO CHCO CHCO CHCO CHCO CHCO
reportedCurrency USD USD USD USD USD USD
cik 726 854 726 854 726 854 726 854 726 854 726 854
fillingDate 2024-02-28 2023-11-03 2023-08-03 2023-05-05 2023-02-22 2022-11-03
acceptedDate 2024-02-28 14:02:27 2023-11-03 09:56:21 2023-08-03 15:30:52 2023-05-05 16:03:13 2023-02-22 16:19:55 2022-11-03 13:11:06
calendarYear 2023.000 2023.000 2023.000 2023.000 2022.000 2022.000
period Q4 Q3 Q2 Q1 Q4 Q3
revenue 86M 71M 74M 71M 5000.000 66M
costOfRevenue 0 0 0 0 0 0
grossProfit 86M 71M 74M 71M 5000.000 66M
grossProfitRatio 1.000 1.000 1.000 1.000 1.000 1.000
researchAndDevelopmentExpenses 0 0 0 0 0 0
generalAndAdministrativeExpenses 20M 19M 19M 18M 18M 20M
sellingAndMarketingExpenses 588 000 790 000 974 000 760 000 802 000 854 000
sellingGeneralAndAdministrativeExpenses 20M 20M 20M 19M 18M 20M
otherExpenses -11M -53M -54M 0 57M 0
operatingExpenses 11M -33M -33M 1M 4M 0
costAndExpenses 52M -33M -33M 1M 4M 0
interestIncome 72M 70M 68M 62M 57M 51M
interestExpense 5M 15M 12M 8M 5M 2M
depreciationAndAmortization 1M 3M 4M 4M 3M 4M
ebitda -248 000 38M 41M 39M 45M 37M
ebitdaratio -0.003 0.534 0.548 0.547 9033.800 0.561
operatingIncome -248 000 38M 41M 35M 42M 33M
operatingIncomeRatio -0.003 0.534 0.548 0.498 8406.600 0.505
totalOtherIncomeExpensesNet 34M 38M 0 -5M -5M 2M
incomeBeforeTax 34M 38M 41M 31M 37M 35M
incomeBeforeTaxRatio 0.397 0.534 0.548 0.433 7499.200 0.530
incomeTaxExpense 7M 8M 8M 6M 7M 7M
netIncome 27M 30M 32M 24M 31M 27M
netIncomeRatio 0.320 0.421 0.438 0.345 6134.400 0.417
eps 1.840 1.980 2.160 1.640 2.060 1.840
epsdiluted 1.840 1.980 2.160 1.640 2.050 1.830
weightedAverageShsOut 15M 15M 15M 15M 15M 15M
weightedAverageShsOutDil 15M 15M 15M 15M 15M 15M
link Link Link Link Link Link Link
finalLink Link Link Link Link Link Link

Balance Sheet Statement

Property 2023 q4 2023 q3 2023 q2 2023 q1 2022 q4 2022 q3
date 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30
symbol CHCO CHCO CHCO CHCO CHCO CHCO
reportedCurrency USD USD USD USD USD USD
cik 726 854 726 854 726 854 726 854 726 854 726 854
fillingDate 2024-02-28 2023-11-03 2023-08-03 2023-05-05 2023-02-22 2022-11-03
acceptedDate 2024-02-28 14:02:27 2023-11-03 09:56:21 2023-08-03 15:30:52 2023-05-05 16:03:13 2023-02-22 16:19:55 2022-11-03 13:11:06
calendarYear 2023.000 2023.000 2023.000 2023.000 2022.000 2022.000
period Q4 Q3 Q2 Q1 Q4 Q3
cashAndCashEquivalents 156M 111M 231M 303M 200M 298M
shortTermInvestments 1 338M 1 358M 1 420M 1 456M 1 506M 1 489M
cashAndShortTermInvestments -123M 1 469M 1 651M 1 759M 1 706M 1 788M
netReceivables 20M 19M 18M 18M 18M 17M
inventory 103M -131M 0 0 0 0
otherCurrentAssets 177M 131M 0 0 0 0
totalCurrentAssets 177M 1 488M 1 669M 1 777M 1 724M 1 805M
propertyPlantEquipmentNet 72M 73M 73M 73M 71M 72M
goodwill 150M 150M 0 0 0 0
intangibleAssets 163M 163M 0 0 0 0
goodwillAndIntangibleAssets 163M 163M 163M 164M 116M 116M
longTermInvestments 162M 1 387M 1 449M 1 481M 1 529M 1 514M
taxAssets 53M 59M 47M 42M 0 0
otherNonCurrentAssets 5 552M -59M -47M -42M -1 716M -1 702M
totalNonCurrentAssets 6 001M 1 623M 1 686M 1 719M 1 716M 1 702M
otherAssets 0 2 965M 2 792M 2 715M 2 438M 2 441M
totalAssets 6 178M 6 076M 6 147M 6 211M 5 878M 5 948M
accountPayables 0 0 0 0 0 0
shortTermDebt 335M 279M 0 0 0 0
taxPayables 0 0 0 0 0 0
deferredRevenue 0 0 0 0 0 0
otherCurrentLiabilities 3 412M 2 653M 0 0 0 0
totalCurrentLiabilities 3 747M 2 932M 0 0 0 0
longTermDebt 100M 100M 100M 0 0 0
deferredRevenueNonCurrent 1 522M 0 0 0 0 0
deferredTaxLiabilitiesNonCurrent 10M 0 0 0 0 0
otherNonCurrentLiabilities 122M -100M -100M 0 0 0
totalNonCurrentLiabilities 1 754M 100M 100M 0 0 0
otherLiabilities 1.000 -2 932M 0 0 5 300M 5 399M
capitalLeaseObligations 0 0 0 0 0 0
totalLiabilities 5 501M 100M 100M 0 5 300M 5 399M
preferredStock 0 0 0 0 0 0
commonStock 48M 48M 48M 48M 48M 48M
retainedEarnings 780M 763M 744M 722M 707M 686M
accumulatedOtherComprehensiveIncomeLoss -111M -167M -130M -116M -131M -145M
othertotalStockholdersEquity -40M -34M -25M -2M -45M -40M
totalStockholdersEquity 677M 610M 636M 651M 578M 548M
totalEquity 677M 610M 636M 651M 578M 548M
totalLiabilitiesAndStockholdersEquity 6 178M 6 076M 6 147M 6 211M 5 878M 5 948M
minorityInterest 0 0 0 0 0 0
totalLiabilitiesAndTotalEquity 6 178M 6 076M 6 147M 6 211M 5 878M 5 948M
totalInvestments 162M 2 745M 2 869M 2 937M 3 035M 3 003M
totalDebt 435M 100M 100M 0 0 0
netDebt 279M -11M -131M -303M -200M -298M
link Link Link Link Link Link Link
finalLink Link Link Link Link Link Link

Cash Flow Statement

Property 2023 q4 2023 q3 2023 q2 2023 q1 2022 q4 2022 q3
date 2023-12-31 2023-09-30 2023-06-30 2023-03-31 2022-12-31 2022-09-30
symbol CHCO CHCO CHCO CHCO CHCO CHCO
reportedCurrency USD USD USD USD USD USD
cik 726 854 726 854 726 854 726 854 726 854 726 854
fillingDate 2024-02-28 2023-11-03 2023-08-03 2023-05-05 2023-02-22 2022-11-03
acceptedDate 2024-02-28 14:02:27 2023-11-03 09:56:21 2023-08-03 15:30:52 2023-05-05 16:03:13 2023-02-22 16:19:55 2022-11-03 13:11:06
calendarYear 2023.000 2023.000 2023.000 2023.000 2022.000 2022.000
period Q4 Q3 Q2 Q1 Q4 Q3
netIncome 27M 30M 33M 24M 31M 27M
depreciationAndAmortization 1M 3M 4M 4M 3M 4M
deferredIncomeTax -1M -627 000 -210 000 -654 000 288 000 547 000
stockBasedCompensation 806 000 681 000 633 000 1M 864 000 754 000
changeInWorkingCapital 3M 4M -7M 11M 570 000 3M
accountsReceivables -1M -1M 422 000 759 000 -1M -914 000
inventory 0 0 0 0 0 0
accountsPayables 0 0 0 0 0 0
otherWorkingCapital 4M 5M -7M 10M 2M 4M
otherNonCashItems 3M 136 000 -2M 1M -1M 497 000
netCashProvidedByOperatingActivities 34M 37M 27M 40M 34M 36M
investmentsInPropertyPlantAndEquipment -570 000 -665 000 -1M -616 000 -464 000 -627 000
acquisitionsNet 3000.000 -85M 495 000 14M 0 0
purchasesOfInvestments -39M -35M -28M -189 000 -31M -126M
salesMaturitiesOfInvestments 128M 48M 38M 112M 33M 47M
otherInvestingActivites -107M -2M -31M 5M -16M -64M
netCashUsedForInvestingActivites -18M -75M -22M 129M -14M -144M
debtRepayment -57M -204 000 -202 000 -203 000 -572 000 -190 000
commonStockIssued -11M -63M -43M 0 0 0
commonStockRepurchased -6M -10M -24M -20M -6M -720 000
dividendsPaid -11M -10M -10M -10M -10M -9M
otherFinancingActivites 115M 36 100 30 000 -37M -101M -282M
netCashUsedProvidedByFinancingActivities 30M -82M -77M -66M -118M -291M
effectOfForexChangesOnCash 0 150M 104M 0 0 0
netChangeInCash 46M -121M -72M 103M -98M -399M
cashAtEndOfPeriod 156M 111M 231M 303M 200M 298M
cashAtBeginningOfPeriod 111M 231M 303M 200M 298M 697M
operatingCashFlow 34M 37M 27M 40M 34M 36M
capitalExpenditure -570 000 -665 000 -1M -616 000 -464 000 -627 000
freeCashFlow 33M 36M 26M 39M 34M 36M
link Link Link Link Link Link Link
finalLink Link Link Link Link Link Link

Earning call transcript

Press-releases

Show financial reports only

2024-01-24 12:30 ET
City Holding Company Announces Record Annual Earnings
2023-10-24 11:30 ET
City Holding Company Announces Quarterly Results
2023-09-27 18:51 ET
City Holding Company Increases Quarterly Dividend On Common Shares
2023-07-25 12:29 ET
City Holding Company Announces Record Quarterly Results
2023-04-25 11:30 ET
City Holding Company Announces Quarterly Results
2023-03-10 22:45 ET
City Holding Company Completes Acquisition Strengthening Kentucky Presence
2023-01-24 12:30 ET
City Holding Company Announces Record Annual Earnings
2022-10-18 20:00 ET
City Holding Company Announces Acquisition Strengthening Kentucky Presence
2022-10-18 20:00 ET
City Holding Company Announces Third Quarter Results
2022-09-28 20:00 ET
City Holding Company Increases Quarterly Dividend On Common Shares
2022-07-21 11:30 ET
City Holding Company Announces Second Quarter Results
2022-05-25 20:37 ET
City Holding Company Announces Approval of Stock Repurchase Plan
2022-04-27 21:21 ET
City National Bank Honored by J.D. Power With Customer Satisfaction Award for Fourth Time in Five Years
2022-04-21 11:30 ET
City Holding Company Announces Quarterly Results
2022-01-25 12:30 ET
City Holding Company Announces Annual Earnings
2021-11-19 17:30 ET
City Holding Company Increases Quarterly Dividend On Common Shares
2021-10-21 11:30 ET
City Holding Company Announces Third Quarter Results
2021-08-25 19:30 ET
City Holding Company Elects Javier A. Reyes to Board of Directors
2021-07-28 18:30 ET
City Holding Company Elects Greg Burton to Board of Directors
2021-07-22 11:30 ET
City Holding Company Announces Second Quarter Results
2021-04-21 20:30 ET
City Holding Company Announces Quarterly Results
2021-04-01 13:10 ET
City Holding Company Announces Approval of Stock Repurchase Plan
2021-01-25 12:30 ET
City Holding Company Announces Record Annual Earnings
2020-12-16 21:38 ET
City Holding Company Increases Quarterly Dividend On Common Shares
2020-10-22 11:30 ET
City Holding Company Announces Third Quarter Results
2020-07-23 11:30 ET
City Holding Company Announces Second Quarter Results
2020-04-28 11:30 ET
City Holding Company Announces Record Quarterly Results
2020-01-29 16:00 ET
City Holding Company Announces Record Annual Earnings
2020-01-22 19:30 ET
City Holding Company Announces Pre-Tax Gain of $17.8 Million on Sale of Visa Inc. Class B Shares
2019-10-22 11:30 ET
City Holding Company Announces Third Quarter Results
2019-09-25 19:55 ET
City Holding Company Increases Quarterly Dividend On Common Shares

SEC forms

Show financial reports only

SEC form 10
2024-02-28 00:00 ET
City published news for 2023 q4
SEC form 8
2024-01-24 14:56 ET
City published news for 2023 q4
SEC form 8
2024-01-24 14:56 ET
City reported for 2023 q4
SEC form 10
2023-11-03 00:00 ET
City published news for 2023 q3
SEC form 8
2023-10-24 14:44 ET
City reported for 2023 q3
SEC form 10
2023-08-03 00:00 ET
City published news for 2023 q2
SEC form 6
2023-07-25 15:04 ET
City reported for 2023 q2
SEC form 8
2023-07-25 00:00 ET
City reported for 2023 q2
SEC form 6
2023-06-26 14:35 ET
City published news for 2023 q1
SEC form 6
2023-05-31 16:05 ET
City published news for 2023 q1
SEC form 10
2023-05-05 00:00 ET
City published news for 2023 q1
SEC form 8
2023-04-25 00:00 ET
City reported for 2023 q1
SEC form 6
2023-03-31 11:50 ET
City published news for 2022 q4
SEC form 6
2023-03-29 16:37 ET
City published news for 2022 q4
SEC form 6
2023-03-10 18:05 ET
City published news for 2022 q4
SEC form 10
2023-02-22 16:19 ET
City reported for 2022 q4
SEC form 10
2023-02-22 00:00 ET
City reported for 2022 q4
SEC form 6
2023-01-24 15:09 ET
City reported for 2022 q4
SEC form 8
2023-01-24 00:00 ET
City reported for 2022 q4
SEC form 6
2022-11-16 15:34 ET
City published news for 2022 q3
SEC form 10
2022-11-03 13:11 ET
City published news for 2022 q3
SEC form 6
2022-11-03 11:20 ET
City published news for 2022 q3
SEC form 10
2022-11-03 00:00 ET
City published news for 2022 q3
SEC form 6
2022-10-18 17:04 ET
City published news for 2022 q3
SEC form 6
2022-10-18 16:19 ET
City reported for 2022 q3
SEC form 8
2022-10-18 00:00 ET
City reported for 2022 q3
SEC form 6
2022-09-28 16:54 ET
City published news for 2022 q2
SEC form 10
2022-08-04 15:04 ET
City published news for 2022 q2
SEC form 10
2022-08-04 00:00 ET
City published news for 2022 q2
SEC form 6
2022-08-02 10:08 ET
City published news for 2022 q2
SEC form 6
2022-07-21 15:02 ET
City published news for 2022 q2
SEC form 8
2022-07-21 00:00 ET
City reported for 2022 q2
SEC form 6
2022-06-02 10:41 ET
City published news for 2022 q1
SEC form 6
2022-05-26 15:21 ET
City published news for 2022 q1
SEC form 6
2022-05-25 17:06 ET
City published news for 2022 q1
SEC form 10
2022-05-05 15:31 ET
City published news for 2022 q1
SEC form 10
2022-05-05 00:00 ET
City reported for 2022 q1
SEC form 6
2022-04-28 12:46 ET
City published news for 2022 q1
SEC form 6
2022-04-21 15:09 ET
City published news for 2022 q1
SEC form 8
2022-04-21 00:00 ET
City reported for 2022 q1
SEC form 6
2022-04-13 14:53 ET
City published news for 2022 q1
SEC form 6
2022-03-30 16:07 ET
City published news for 2021 q4
SEC form 6
2022-03-14 14:40 ET
City published news for 2021 q4
SEC form 10
2022-02-24 14:32 ET
City published news for 2021 q4
SEC form 10
2022-02-24 00:00 ET
City published news for 2021 q4
SEC form 6
2022-01-25 15:18 ET
City published news for 2021 q4
SEC form 8
2022-01-25 00:00 ET
City published news for 2021 q4
SEC form 6
2021-11-19 16:12 ET
City published news for 2021 q3
SEC form 10
2021-11-04 14:46 ET
City published news for 2021 q3
SEC form 10
2021-11-04 00:00 ET
City published news for 2021 q3
SEC form 6
2021-10-21 10:44 ET
City published news for 2021 q3
SEC form 8
2021-10-21 00:00 ET
City published news for 2021 q3
SEC form 6
2021-09-29 16:40 ET
City published news for 2021 q2
SEC form 6
2021-08-26 15:55 ET
City published news for 2021 q2
SEC form 10
2021-08-05 16:35 ET
City published news for 2021 q2
SEC form 10
2021-08-05 00:00 ET
City published news for 2021 q2
SEC form 6
2021-08-02 19:31 ET
City published news for 2021 q2
SEC form 6
2021-07-29 14:16 ET
City published news for 2021 q2
SEC form 6
2021-07-22 15:19 ET
City published news for 2021 q2
SEC form 8
2021-07-22 00:00 ET
City published news for 2021 q2
SEC form 6
2021-06-30 16:43 ET
City published news for 2021 q1
SEC form 6
2021-06-28 13:59 ET
City published news for 2021 q1
SEC form 10
2021-05-06 14:27 ET
City published news for 2021 q1
SEC form 10
2021-05-06 00:00 ET
City published news for 2021 q1
SEC form 6
2021-04-29 16:38 ET
City published news for 2021 q1
SEC form 6
2021-04-22 12:15 ET
City published news for 2021 q1
SEC form 8
2021-04-22 00:00 ET
City published news for 2021 q1
SEC form 6
2021-04-01 13:05 ET
City published news for 2021 q1
SEC form 6
2021-03-29 11:54 ET
City published news for 2020 q4
SEC form 10
2021-02-24 15:52 ET
City published news for 2020 q4
SEC form 6
2021-01-26 11:59 ET
City published news for 2020 q4
SEC form 6
2021-01-15 14:40 ET
City published news for 2020 q4
SEC form 6
2020-12-17 11:54 ET
City published news for 2020 q3
SEC form 10
2020-11-05 14:04 ET
City published news for 2020 q3
SEC form 6
2020-10-23 15:16 ET
City published news for 2020 q3
SEC form 6
2020-09-30 13:21 ET
City published news for 2020 q2