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City

NSQ:CHCO · US1778351056
BanksSmall

360

46
Profit price40
Cash yield57
Price/Sales1
EV / Gross Profit11
Price/Book3
Returns on capital96
Profit margins—
Cash Conversion25
Accruals42
Owner Earnings Margin94
Sales growth15
Profit Growth69
Owner Earnings Growth34
Reinvestment44
Price momentum6
Debt load32
Debt serviceability69
Liquidity96
Analyst ratings1
Opinion Changes50
Price Target Upside27
Market mood86
Value Creation10/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

City clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeSmall
TypePublic Company
ExchangeNASDAQGS
Founded1981
Employees412
Websitebankatcity.com/investors
ISINUS1778351056
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)Sound Pay Practices (USA)
Themes
BankingFinanceFinancial Services

Description

City Holding Company (City Holding) operates as a financial holding company. City Holding Company operates its principal activities through its wholly owned subsidiary, City National Bank of West Virginia (City National). The bank provides banking,…

Analysis

Beloved champion

City Holding Company sits in the top corner of our grid: excellent business, premium price; every investor already knows the story.

On valuation, the picture is attractive. The owner-earnings multiple stands at 13.0×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is sturdy. The company scores 10/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
28
2023202420252026

All-time high

39

Jan 2024

All-time low

3

Jan 2023

Average rank

19

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
1
3
3
9
Price/Earnings
3
9
15
9
Price/Book
3
3
3
5
Dividend Yield
57
49
37
51
Value (overall)
4
5
5
5

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →