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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2964
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$1.8B
Charles R. Hageboeck
City Holding Company operates as a holding company for City National Bank of West Virginia. The company offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. It also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = CHCO ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$CHCO CITY HOLDING CO | 44 | 29 | 43 | 45 | 13.9x | 12.2x | 16.1% | 1.9% | 0.0% | 50.0% | 40.5% | 8.0% | 2.6% | 19.0x | $1.8B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
CITY HOLDING CO (CHCO) receives a "Reduce" rating with a composite score of 44.0/100. It ranks #2964 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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In-line with peers — no strong momentum signal
Fair valuation relative to peers
Weak fundamentals — higher risk of value trap
Low volatility — smoother ride and historically better risk-adjusted returns
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for CHCO.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 29 | 28 | +1NEUTRAL |
| MOMENTUM | 45 | 44 | +1NEUTRAL |
| VALUATION | 43 | 49 | -6DRAG |
| INVESTMENT | 43 | 82 | -39DRAG |
| STABILITY | 79 | 86 | -7DRAG |
| SHORT INT | 18 | 4 | +14ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROIC 134.0% vs WACC 9.7% (spread +124.3%)
GM 0% vs sector 78%, OM 50% vs sector 18%
Capital turnover 4.04x
Rev growth 8%, 10yr history
Interest coverage 2.1x, Net debt/EBITDA 0.5x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate CITY HOLDING CO (CHCO) as a Reduce with a composite score of 44.0/100 at a current price of $121.28. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
CITY HOLDING CO holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 44.0/100 places it at rank #2964 in our full universe.
Narrow
Low
Exemplary
Fair Value
Returns on equity of 16.1% exceed cost of capital.
Stable competitive position in a defensive sector.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
CITY HOLDING CO represents a reduce based on multi-factor quantitative performance.
CITY HOLDING CO receives a Reduce rating from our analysis, with a composite score of 44.0/100 and 2 out of 5 stars, ranking #2964 out of 7,333 stocks. CHCO's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
CHCO's quality score of 29/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 16.1% (sector avg: 9.0%), gross margins of 0.0% (sector avg: 77.7%), net margins of 40.5% (sector avg: 21.9%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
With a value score of 43/100, CHCO appears somewhat expensive relative to its fundamentals. Key valuation metrics include a P/E ratio of 13.93x, an EV/EBITDA of 12.22x, a P/B ratio of 2.25x. Investors paying a premium here are likely betting on above-average growth or margin expansion to justify current prices.
With an investment score of 43/100, CHCO exhibits moderate growth-oriented spending. Key growth metrics include revenue growth of 8.0% vs. a sector average of 10.7% and a return on assets of 1.9% (sector: 1.3%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.
CHCO is currently showing below-average momentum at 45/100, which may indicate weakening institutional interest or negative sentiment shifts. Revenue growth stands at 8.0% year-over-year, while a beta of 0.48 reflects its sensitivity to broader market moves. Investors should note that declining momentum can precede further price weakness, though contrarian opportunities sometimes emerge at these levels.
CHCO shows good financial stability with a score of 79/100. Key stability metrics include a beta of 0.48 and a debt-to-equity ratio of 19.00x (sector avg: 0.5x). This suggests manageable leverage and moderate price volatility, making it appropriate for investors seeking a balance between growth potential and capital preservation.
CITY HOLDING CO's short interest score of 18/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include elevated leverage (D/E: 19.00x), small-cap liquidity risk. At $1.8B (small-cap), CHCO carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
CHCO pays a solid dividend yield of 2.6%, contributing an income component to total returns. This compares to a sector average dividend yield of 2.0%. This moderate yield suggests a balance between returning capital to shareholders and retaining earnings for reinvestment — a common profile among quality compounders.
CITY HOLDING CO is a small-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #2964 of 7,333 overall (60th percentile). Key comparisons include ROE of 16.1% exceeding the 9.0% sector median and operating margins of 50.0% above the 18.1% sector average. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While CHCO currently exhibits a REDUCE profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
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Improvement in Short Int. (18) would have the largest impact on the composite score.
EV/EBITDA 57% ABOVE SECTOR MEDIAN
ROE 79% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 100% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
City Holding currently trades at $125.22 per share and has shown little upside over the past six months, posting a middling return of 3.5%. The stock also fell short of the S&P 500’s 9.6% gain during that period.
Although the revenue and EPS for City Holding (CHCO) give a sense of how its business performed in the quarter ended March 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
City Holding (CHCO) delivered earnings and revenue surprises of 7.07% and 1.60%, respectively, for the quarter ended March 2024. Do the numbers hold clues to what lies ahead for the stock?
Synovus (SNV) delivered earnings and revenue surprises of -20.20% and 2.05%, respectively, for the quarter ended March 2024. Do the numbers hold clues to what lies ahead for the stock?
First Community (FCCO) saw its shares surge in the last session with trading volume being higher than average. The latest trend in earnings estimate revisions may not translate into further price increase in the near term.