Chco.O

The company maintains a conservative capital structure with total assets of $6.72 billion and total equity of $809.68 million. Long-term debt stands at $150 million, resulting in a low debt-to-equity ratio of 0.19. Liquidity is supported by $191.92 million in cash and equivalents, and the risk assessment indicates low liquidity risk. The current ratio is not explicitly provided, but the low debt load and substantial cash reserves suggest adequate short-term solvency.

Profitability metrics show a return on equity (ROE) of 16.28% and a return on assets (ROA) of 1.96%. The company reports net income of $130.49 million against revenue of $74.29 million, indicating that net income likely includes non-operating items or that the revenue figure represents a specific subset of total earnings power typical in banking where net interest income is the primary driver. The price-to-earnings ratio is 15.96, and the price-to-book ratio is 2.6, suggesting the market values the company at a premium to its book value.

City Holding Co maintains a zero debt-to-equity ratio, significantly below the 0.30 median for its banking cohort.

The company generated $128.4 million in free cash flow for FY2025, demonstrating consistent cash generation capabilities.

Cash conversion of 1.2 exceeds the 1.14 median for the banking cohort, indicating efficient profit realization.

Total assets grew at a 2.3% CAGR over five years, reflecting steady balance sheet expansion.

Equity expanded at a 3.9% CAGR over five years, supporting long-term capital base growth.

Net income declined 10.3% year-over-year in FY2025, signaling a recent deterioration in profitability trends.

Return on equity of 3.99% trails the 6.33% median for the banking cohort, indicating inferior capital efficiency.

Total assets contracted 3.9% year-over-year in FY2025, suggesting a shrinking balance sheet scale.

Equity decreased 9.8% year-over-year in FY2025, reflecting a significant reduction in shareholder capital.

The stock trades at $139.17, implying a 5.2% downside to the $132.00 consensus price target.

Revenue $60.8M, +3,1% YoY; Net income −0,3% YoY.

• ▍Revenue $60.8M, +3,1% YoY
• ▍Net income −0,3% YoY
• ▍Net margin 54.8%

Revenue $59.6M, +6,8% YoY; Net income +4,6% YoY.

• ▍Revenue $59.6M, +6,8% YoY
• ▍Net income +4,6% YoY
• ▍Free cash flow −11,3% YoY
• ▍Net margin 53.2%

Revenue $60.6M, +8,9% YoY; Net income +10,2% YoY.

• ▍Revenue $60.6M, +8,9% YoY
• ▍Net income +10,2% YoY
• ▍Free cash flow +12,7% YoY
• ▍Net margin 52.1%

Revenue $61.1M, +9,9% YoY; Net income +18,0% YoY.

• ▍Revenue $61.1M, +9,9% YoY
• ▍Net income +18,0% YoY
• ▍Free cash flow +18,1% YoY
• ▍Net margin 57.6%

Revenue $58.9M; Net margin 56.7%.

• ▍Revenue $58.9M
• ▍Net margin 56.7%

Revenue $55.8M; Net margin 54.4%.

• ▍Revenue $55.8M
• ▍Net margin 54.4%

Revenue $55.6M; Net margin 51.6%.

• ▍Revenue $55.6M
• ▍Net margin 51.6%

Revenue $55.6M; Net margin 53.6%.

• ▍Revenue $55.6M
• ▍Net margin 53.6%

Revenue $236.4M, +7,3% YoY; Net income +11,4% YoY.

• ▍Revenue $236.4M, +7,3% YoY
• ▍Net income +11,4% YoY
• ▍Free cash flow +11,9% YoY
• ▍Net margin 55.2%

Revenue $220.2M, +0,5% YoY; Net income +2,4% YoY.

• ▍Revenue $220.2M, +0,5% YoY
• ▍Net income +2,4% YoY
• ▍Free cash flow −1,1% YoY
• ▍Net margin 53.2%

Revenue $219.2M, +21,8% YoY; Net income +12,0% YoY.

• ▍Revenue $219.2M, +21,8% YoY
• ▍Net income +12,0% YoY
• ▍Free cash flow +12,1% YoY
• ▍Net margin 52.2%

Revenue $180.0M, +15,7% YoY; Net income +15,9% YoY.

• ▍Revenue $180.0M, +15,7% YoY
• ▍Net income +15,9% YoY
• ▍Free cash flow +25,1% YoY
• ▍Net margin 56.7%