📊 CHCO Key Takeaways
Investment Thesis
CHCO exhibits strong profitability metrics with exceptional ROE of 16.1% and robust free cash flow generation of $128.4M, but faces severe data quality issues that undermine confidence in the analysis. The dramatic 76.9% YoY revenue decline coupled with unusually high operating and net margins (217.4% and 175.6%) suggests data anomalies or significant one-time gains that require clarification before making investment decisions.
CHCO Strengths
- Exceptional free cash flow generation at $128.4M with 172.9% FCF margin provides strong financial flexibility
- Solid ROE of 16.1% indicates effective capital deployment and shareholder value creation
- Conservative leverage with 0.19x debt-to-equity ratio and 4.0x interest coverage demonstrates financial stability
- Strong cash position of $191.9M provides adequate liquidity buffer
CHCO Risks
- Severe 76.9% YoY revenue collapse indicates potential business disruption or data integrity concerns requiring urgent clarification
- Abnormally high operating margin (217.4%) and net margin (175.6%) suggest non-recurring gains, accounting adjustments, or data errors that distort true operating performance
- Limited visibility into normalized earnings quality due to questionable margin metrics and revenue volatility
Key Metrics to Watch
- Core revenue trends and organic growth excluding any one-time items or gains
- Normalized operating margins and sustainability of profitability after adjustments
- Net interest margin trends given banking sector focus
- Return on assets trajectory to assess operational efficiency
CHCO Financial Metrics
💡 AI Analyst Insight
The 172.9% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
CHCO Profitability Ratios
CHCO vs Finance Sector
How CITY HOLDING CO compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CHCO Balance Sheet & Liquidity
CHCO 5-Year Financial Trend
5-Year Trend Summary: CITY HOLDING CO's revenue has grown significantly by 14% over the 5-year period, indicating strong business expansion. The most recent EPS of $7.61 reflects profitable operations.
CHCO Growth Metrics (YoY)
CHCO Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2019 | $14.6M | $16.4M | $1.33 |
| Q2 2019 | $14.2M | $18.5M | $1.35 |
| Q1 2019 | $13.5M | $9.4M | $1.13 |
| Q3 2018 | $14.6M | $13.9M | $0.89 |
| Q2 2018 | $14.2M | $14.7M | $0.94 |
| Q1 2018 | $13.5M | $9.4M | $1.04 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CHCO Capital Allocation
CHCO SEC Filings
Access official SEC EDGAR filings for CITY HOLDING CO (CIK: 0000726854)
📋 Recent SEC Filings
| Date | Form | Document | Action |
|---|---|---|---|
| Mar 9, 2026 | 4 | xslF345X05/wk-form4_1773084138.xml | View → |
| Mar 9, 2026 | 4 | xslF345X05/wk-form4_1773083446.xml | View → |
| Mar 9, 2026 | 4 | xslF345X05/wk-form4_1773082905.xml | View → |
| Mar 9, 2026 | 4 | xslF345X05/wk-form4_1773082528.xml | View → |
| Feb 26, 2026 | 4 | xslF345X05/wk-form4_1772140464.xml | View → |
❓ Frequently Asked Questions about CHCO
What is the AI rating for CHCO?
CITY HOLDING CO (CHCO) has an AI rating of HOLD with 42% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CHCO's key strengths?
Exceptional free cash flow generation at $128.4M with 172.9% FCF margin provides strong financial flexibility. Solid ROE of 16.1% indicates effective capital deployment and shareholder value creation.
What are the risks of investing in CHCO?
Severe 76.9% YoY revenue collapse indicates potential business disruption or data integrity concerns requiring urgent clarification. Abnormally high operating margin (217.4%) and net margin (175.6%) suggest non-recurring gains, accounting adjustments, or data errors that distort true operating performance.
What is CHCO's revenue and growth?
CITY HOLDING CO reported revenue of $74.3M.
Does CHCO pay dividends?
CITY HOLDING CO pays dividends, with $47.3M distributed to shareholders in the trailing twelve months.
Where can I find CHCO SEC filings?
Official SEC filings for CITY HOLDING CO (CIK: 0000726854) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CHCO's EPS?
CITY HOLDING CO has a diluted EPS of $8.93.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.