City Holding Valuation
| CHCO Stock | USD 124.68 0.09 0.07% |
At this time, the firm appears to be fairly valued. City Holding shows a prevailing Real Value of $127.19 per share. The current price of the firm is $124.68. Our model approximates the value of City Holding from analyzing the firm fundamentals such as Current Valuation of 2.14 B, profit margin of 0.41 %, and Return On Equity of 0.17 as well as examining its technical indicators and probability of bankruptcy. Key fundamental drivers impacting City Holding's valuation include:
Fairly Valued
Today
Please note that City Holding's price fluctuation is very steady at this time. Calculation of the real value of City Holding is based on 3 months time horizon. Increasing City Holding's time horizon generally increases the accuracy of value calculation and significantly improves the predictive power of the methodology used.
Since City Holding is currently traded on the exchange, buyers and sellers on that exchange determine the market value of City Stock. However, City Holding's intrinsic value may or may not be the same as its current market price, in which case there is an opportunity to profit from the mispricing, assuming the market price will eventually merge with its intrinsic value. | Historical | Market 124.68 | Real 127.19 | Target 130.75 | Hype 124.34 | Naive 122.67 |
The intrinsic value of City Holding's stock can be calculated using various methods such as discounted cash flow analysis, price-to-earnings ratio, or price-to-book ratio. That value may differ from its current market price, which is determined by supply and demand factors such as investor sentiment, market trends, news, and other external factors that may influence City Holding's stock price. It is important to note that the real value of any stock may change over time based on changes in the company's performance.
Estimating the potential upside or downside of City Holding helps investors to forecast how City stock's addition to their portfolios will impact the overall performance. We also use other valuation drivers to help us estimate the true value of City Holding more accurately as focusing exclusively on City Holding's fundamentals will not take into account other important factors: Traditionally, analysts and sophisticated investors use multiple methods for valuing a cash-flow-generating entity or its stock. For example, some money managers use City Holding's intrinsic value based on its ongoing forecasts of City Holding's financial statements. In contrast, other private, professional wealth advisors use a multiplier approach by looking to relative value analysis against City Holding's closest peers.
City Holding Cash |
|
City Revenue by Product
City Holding Total Value Analysis
City Holding is currently forecasted to have valuation of 2.14 B with market capitalization of 1.82 B, debt of 517.67 M, and cash on hands of 298.35 M. Please note that valuation may be misleading and is a subject to auditing or accounting errors. We encourage investors to vigilantly validate all of the City Holding fundamentals before making equity appraisal based on enterprise value of the company| Takeover Price | Market Cap | Debt Obligations | Cash |
2.14 B | 1.82 B | 517.67 M | 298.35 M |
City Holding Investor Information
About 70.0% of the company shares are held by institutions such as insurance companies. The book value of City Holding was currently reported as 56.41. The company has Price/Earnings To Growth (PEG) ratio of 1.88. City Holding recorded earning per share (EPS) of 8.93. The entity last dividend was issued on the 15th of January 2026. The firm had 11:10 split on the 30th of October 1996. City Holding may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter.| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Operating Profit Margin | 0.23 | 0.4146 |
|
| |||||
| Total Cash From Operating Activities | 159.3 M | 151.7 M |
|
| |||||
| Operating Income | 170.7 M | 162.6 M |
|
|
City Holding Asset Utilization
The asset utilization indicator refers to the revenue earned for every dollar of assets a company currently reports. City Holding has an asset utilization ratio of 5.83 percent. This suggests that the Company is making $0.0583 for each dollar of assets. An increasing asset utilization means that City Holding is more efficient with each dollar of assets it utilizes for everyday operations.City Holding Profitability Analysis
Considering the key profitability indicators obtained from City Holding's historical financial statements, City Holding may not be well positioned to generate adequate gross income at this time. It has a very high probability of underperforming in March. Profitability indicators assess City Holding's ability to earn profits and add value for shareholders.Net Income | First Reported 1986-03-31 | Previous Quarter 35.2 M | Current Value 31.6 M | Quarterly Volatility 10.5 M |
| Current Value | Last Year | Change From Last Year | 10 Year Trend | ||||||
|---|---|---|---|---|---|---|---|---|---|
| Gross Profit Margin | 0.58 | 0.7901 |
|
| |||||
| Net Profit Margin | 0.35 | 0.3328 |
|
| |||||
| Operating Profit Margin | 0.23 | 0.4146 |
|
| |||||
| Pretax Profit Margin | 0.23 | 0.4118 |
|
| |||||
| Return On Assets | 0.01 | 0.0194 |
|
| |||||
| Return On Equity | 0.096 | 0.1612 |
|
|
For City Holding profitability analysis, we use financial ratios and fundamental drivers that measure the ability of City Holding to generate income relative to revenue, assets, operating costs, and current equity. These fundamental indicators attest to how well City Holding utilizes its assets to generate profit and value for its shareholders. The profitability module also shows relationships between City Holding's most relevant fundamental drivers. It provides multiple suggestions of what could affect the performance of City Holding over time as well as its relative position and ranking within its peers.
City Holding Earnings per Share Projection vs Actual
The next projected EPS of City Holding is estimated to be 2.2175 with future projections ranging from a low of 2.18 to a high of 2.25. City Holding's most recent 12-month trailing earnings per share (EPS TTM) is at 8.93. Please be aware that the consensus of earnings estimates for City Holding is based on EPS before non-recurring items and includes expenses related to employee stock options.City Holding Earnings Estimation Breakdown
The calculation of City Holding's earning per share is based on the data from the past 12 consecutive months, used for reporting the company's financial figures. The next projected EPS of City Holding is estimated to be 2.2175 with the future projection ranging from a low of 2.18 to a high of 2.25. Please be aware that this consensus of annual earnings estimates for City Holding is based on EPS before non-recurring items and includes expenses related to employee stock options.Last Reported EPS
2.18 Lowest | Expected EPS | 2.25 Highest |
City Holding Earnings Projection Consensus
Suppose the current estimates of City Holding's value are higher than the current market price of the City Holding stock. In this case, investors may conclude that City Holding is overpriced and will exhibit bullish sentiment. On the other hand, if the present value is lower than the stock price, analysts may conclude that the market undervalues the equity. These scenarios may suggest that the market is not as efficient as it should be at the estimation time, and City Holding's stock will quickly adjusts to the new information provided by the consensus estimate.
| Number of Analysts | Historical Accuracy | Last Reported EPS | Estimated EPS for 30th of June 2026 | Current EPS (TTM) | |
| 4 | 89.58% | 0.0 | 2.2175 | 8.93 |
City Holding Ownership Allocation
The market capitalization of City Holding is $1.82 Billion. Over half of City Holding's outstanding shares are owned by other corporate entities. These other corporate entities are typically referred to as corporate investors that acquire positions in a given instrument to benefit from reduced trade commissions. Please take into account that even companies with profitable outlook can generate negative future returns on their equity. If the true value of the firm is less than the current market value, you may not be able generate positive returns on investment in the long run.City Holding Profitability Analysis
The company reported the previous year's revenue of 392.11 M. Net Income was 130.49 M with profit before overhead, payroll, taxes, and interest of 315.57 M.City Holding Past Distributions to stockholders
About City Holding Valuation
We use absolute and relative valuation methodologies to arrive at the intrinsic value of City Holding. In general, an absolute valuation paradigm, as applied to this company, attempts to find the value of City Holding based exclusively on its fundamental and basic technical indicators. By analyzing City Holding's financials, quarterly and monthly indicators, and their related drivers, we attempt to find the most accurate representation of City Holding's intrinsic value. As compared to an absolute model, our relative valuation model uses a comparative analysis of City Holding. We calculate exposure to City Holding's market risk, different technical and fundamental indicators, and relevant financial multiples and ratios and then compare them to those of City Holding's related companies.| Last Reported | Projected for Next Year | ||
| Gross Profit | 309.8 M | 157.4 M | |
| Pretax Profit Margin | 0.41 | 0.23 | |
| Operating Profit Margin | 0.41 | 0.23 | |
| Net Profit Margin | 0.33 | 0.35 | |
| Gross Profit Margin | 0.79 | 0.58 |
City Holding Quarterly Retained Earnings |
|
A single share of City Holding represents a small ownership stake in the entity. As a stockholder of City, your percentage of company ownership is determined by dividing the number of shares you own by the total number of shares outstanding and then multiplying that amount by 100. Owning stock in a company generally confers both corporate voting rights and income from any dividends paid to the stock owner.
City Holding Dividends Analysis For Valuation
As of the 19th of February 2026, Dividend Payout Ratio is likely to grow to 0.53, though Dividends Paid is likely to grow to (47.5 M). . At this time, City Holding's Retained Earnings are very stable compared to the past year. As of the 19th of February 2026, Price Earnings Ratio is likely to grow to 17.41, while Retained Earnings Total Equity is likely to drop about 505.3 M.
| Last Reported | Projected for Next Year | ||
| Dividends Paid | -50 M | -47.5 M | |
| Dividend Yield | 0.03 | 0.02 | |
| Dividend Payout Ratio | 0.36 | 0.53 | |
| Dividend Paid And Capex Coverage Ratio | 2.57 | 2.06 |
There are various types of dividends City Holding can pay to its shareholders, and the actual value of the dividend is determined on a per-share basis. It is to be paid equally to all of City shareholders on a specific date, known as the payable date. The cash dividend is the most common type of dividend payment - it is the payment of actual cash from City Holding directly to its shareholders. There are other types of dividends that companies can issue, such as stock dividends or asset dividends. When City pays a dividend, it has no impact on its enterprise value. It does, however, lowers the Equity Value of City Holding by the value of the dividends paid out.
City Holding Growth Indicators
Growth stocks usually refer to those companies expected to grow sales and earnings faster than the market average. Growth stocks typically don't pay dividends, often look expensive, and usually trading at a high P/E ratio. Nevertheless, such valuations could be relatively cheap if the company continues to grow, which will drive the share price up. However, since most investors are paying a high price for a growth stock, based on expectations, if those expectations are not fully realized, growth stocks can see dramatic declines.
| Common Stock Shares Outstanding | 14.4 M | |
| Quarterly Earnings Growth Y O Y | 0.129 | |
| Forward Price Earnings | 16.4204 |
City Holding Current Valuation Indicators
City Holding's valuation analysis is a process of estimating the intrinsic value of all assets and outstanding equities. There are different methodologies and models we use to develop the final City Holding's valuation. The techniques such as discounted cash flow and fundamental indicators such as book value per share or market capitalization are well known and widely used across most financial advisers and money managers.
Valuations are an essential part of business, for companies themselves, but also for investors. For companies, such as City Holding, valuations can help measure their progress and success and can help them track their performance in the market compared to others. In addition, investors can use City Holding's valuations to help determine the worth of potential investments. They can do this by using data and information made public by a company. Regardless of who the valuation is for, it essentially describes City Holding's worth.When determining whether City Holding offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of City Holding's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of City Holding Stock. Outlined below are crucial reports that will aid in making a well-informed decision on City Holding Stock: Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in City Holding. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in services. To learn how to invest in City Stock, please use our How to Invest in City Holding guide.You can also try the Portfolio Anywhere module to track or share privately all of your investments from the convenience of any device.
Will Regional Banks sector continue expanding? Could City diversify its offerings? Factors like these will boost the valuation of City Holding. Projected growth potential of City fundamentally drives upward valuation adjustments. Accurate valuation requires analyzing both current fundamentals and future growth trajectories. Every City Holding data point contributes insight, yet successful analysis hinges on identifying the most consequential variables.
Quarterly Earnings Growth 0.129 | Dividend Share 3.32 | Earnings Share 8.93 | Revenue Per Share | Quarterly Revenue Growth 0.108 |
Understanding City Holding requires distinguishing between market price and book value, where the latter reflects City's accounting equity. The concept of intrinsic value - what City Holding's is actually worth based on fundamentals - guides informed investors toward better entry and exit points. Seasoned market participants apply comprehensive analytical frameworks to derive fundamental worth and identify mispriced opportunities. Market sentiment, economic cycles, and investor behavior can push City Holding's price substantially above or below its fundamental value.
It's important to distinguish between City Holding's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding City Holding should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. In contrast, City Holding's trading price reflects the actual exchange value where willing buyers and sellers reach mutual agreement.