City Holding Company (CHCO) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
City Holding Company stock (CHCO) is currently trading at $119.40. City Holding Company PE ratio is 13.10. City Holding Company PS ratio (Price-to-Sales) is 5.34. Analyst consensus price target for CHCO is $131.00. WallStSmart rates CHCO as Moderate Buy.
- CHCO PE ratio analysis and historical PE chart
- CHCO PS ratio (Price-to-Sales) history and trend
- CHCO intrinsic value — DCF, Graham Number, EPV models
- CHCO stock price prediction 2025 2026 2027 2028 2029 2030
- CHCO fair value vs current price
- CHCO insider transactions and insider buying
- Is CHCO undervalued or overvalued?
- City Holding Company financial analysis — revenue, earnings, cash flow
- CHCO Piotroski F-Score and Altman Z-Score
- CHCO analyst price target and Smart Rating
City Holding Company
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CHCO Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · City Holding Company (CHCO)
CHCO trades at a significant discount to its Graham intrinsic value of $245.04, offering a 48% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
City Holding Company (CHCO) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, profit margin, institutional own.. Overall metrics suggest strong investment potential with favorable risk/reward.
City Holding Company (CHCO) Key Strengths (4)
Keeps $55 of every $100 in revenue after operating costs
Keeps $41 of every $100 in revenue as net profit
72.30% of shares held by major funds and institutions
Solid profitability: $17 profit per $100 equity
Supporting Valuation Data
City Holding Company (CHCO) Areas to Watch (6)
Premium valuation at 5.3x annual revenue
Small-cap company with higher risk but more growth potential
Growth is fairly priced, not cheap, not expensive
Fairly priced relative to book value
Solid revenue growth at 10.80% per year
Solid earnings growth at 12.90%
Supporting Valuation Data
City Holding Company (CHCO) Detailed Analysis Report
Overall Assessment
This company scores 69/100 in our Smart Analysis, earning a B- grade. Out of 10 metrics analyzed, 4 register as strengths (avg 9.3/10) while 6 fall into concern territory (avg 5.5/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, Profit Margin, Institutional Own.. Profitability is solid with Return on Equity at 16.90%, Operating Margin at 54.60%, Profit Margin at 41.30%.
The Bear Case
The primary concerns are Price/Sales, Market Cap, PEG Ratio. Some valuation metrics including PEG Ratio (1.91), Price/Sales (5.34), Price/Book (2.07) suggest expensive pricing. Growth concerns include Revenue Growth at 10.80%, EPS Growth at 12.90%, which may limit upside.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Price/Sales improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 16.90% currently healthy but needing to be sustained. Third, growth sustainability, with Revenue Growth at 10.80% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Operating Margin, Profit Margin) and negatives (Price/Sales, Market Cap). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CHCO Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CHCO's Price-to-Sales ratio of 5.34x trades 56% above its historical average of 3.43x (91th percentile), historically expensive. The current valuation is 8% below its historical high of 5.79x set in Jul 2018, and 200% above its historical low of 1.78x in Jan 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for City Holding Company (CHCO) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
City Holding Company is a mature, profitable business with steady cash generation. Revenue reached 316M with 11% growth year-over-year. Profit margins are strong at 41.3%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 41.3% and operating margin of 54.6% demonstrate strong pricing power and operational efficiency.
Generating 34M in free cash flow and 34M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact City Holding Company.
Bottom Line
City Holding Company is a well-established business delivering consistent profitability with 41.3% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About City Holding Company(CHCO)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
City Holding Company is a holding company for City National Bank of West Virginia offering various banking, trust and investment solutions, and other financial solutions in the United States. The company is headquartered in Charleston, West Virginia.