City Holding Co - Understand $chco stock

$CHCO Market Cap: $1.942 Billion

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Financial Snapshot

Revenue

$227.6M

TTM

Gross Margin

Net Earnings

$114.9M

TTM

Current Assets

Current Liabilities

$339.2M

Q3 2024

Current Ratio

Total Assets

$6.434B

Q3 2024

Total Liabilities

$5.693B

Q3 2024

Book Value

$741.3M

Q3 2024

Cash

$293.9M

Q3 2024

P/E

16.91

Nov 13, 2024 EST

Free Cash Flow

$92.41M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Revenue	$69.07M	$68.10M	$165.5M	$178.3M	$197.7M	$163.9M	$142.9M	$132.2M	$127.1M	$129.6M	$138.5M	$112.2M	$112.9M
YoY Change	1.42%	-58.84%	-7.18%	-9.83%	20.62%	14.67%	8.16%	4.0%	-1.92%	-6.48%	23.46%	-0.6%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Revenue	$69.07M	$68.10M	$165.5M	$178.3M	$197.7M	$163.9M	$142.9M	$132.2M	$127.1M	$129.6M	$138.5M	$112.2M	$112.9M
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$4.600M	$5.300M	$5.800M	$5.800M	$5.000M	$5.100M	$5.900M	$6.235M	$6.088M	$6.087M	$5.757M	$4.605M	$4.508M	$5.700M	$4.900M	$3.300M	$2.200M	$1.600M	$5.800M	$5.500M	$6.500M	$7.300M	$9.800M	$53.10M	$17.50M	$12.90M	$8.400M	$6.600M	$3.500M	$3.000M	$2.300M	$1.300M	$1.000M	$1.000M	$1.200M	$1.200M
YoY Change	-13.21%	-8.62%	0.0%	16.0%	-1.96%	-13.56%	-5.37%	2.41%	0.02%	5.73%	25.02%	2.15%	-20.91%	16.33%	48.48%	50.0%	37.5%	-72.41%	5.45%	-15.38%	-10.96%	-25.51%	-81.54%	203.43%	35.66%	53.57%	27.27%	88.57%	16.67%	30.43%	76.92%	30.0%	0.0%	-16.67%	0.0%
% of Gross Profit
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Interest Expense	$52.02M	$9.655M	$9.894M	$23.62M	$36.34M	$25.69M	$16.81M	$13.21M	$11.83M	$11.96M	$13.30M	$14.45M	$20.76M
YoY Change	438.82%	-2.42%	-58.1%	-35.01%	41.44%	52.88%	27.24%	11.64%	-1.09%	-10.08%	-7.95%	-30.39%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Pretax Income	$143.1M	$127.3M	$111.2M	$111.3M	$113.5M	$88.02M	$90.75M	$77.21M	$82.51M	$77.23M	$73.49M	$59.24M	$61.25M	$57.40M	$63.20M	$37.60M	$76.80M	$81.50M	$76.70M	$70.70M	$65.90M	$49.20M	-$12.70M	-$54.10M	$8.100M	$11.70M	$40.80M	$32.80M	$12.90M	$11.70M	$11.00M	$8.400M	$5.400M	$4.800M	$3.100M	$3.200M
YoY Change	12.39%	14.52%	-0.11%	-1.92%	28.94%	-3.01%	17.53%	-6.42%	6.83%	5.09%	24.05%	-3.28%	6.71%	-9.18%	68.09%	-51.04%	-5.77%	6.26%	8.49%	7.28%	33.94%	-487.4%	-76.52%	-767.9%	-30.77%	-71.32%	24.39%	154.26%	10.26%	6.36%	30.95%	55.56%	12.5%	54.84%	-3.13%	3.23%
Income Tax	$28.74M	$25.26M	$23.11M	$21.72M	$24.14M	$18.02M	$36.44M	$25.08M	$28.41M	$24.27M	$25.28M	$20.30M	$20.57M	$18.50M	$20.50M	$9.500M	$25.80M	$28.30M	$26.40M	$24.40M	$22.30M	$16.70M	-$4.700M	-$15.70M	$1.800M	$6.500M	$14.50M	$11.50M	$4.200M	$3.500M	$3.400M	$2.500M	$1.700M	$1.400M	$600.0K	$600.0K
% Of Pretax Income	20.08%	19.84%	20.79%	19.51%	21.27%	20.47%	40.15%	32.49%	34.44%	31.43%	34.39%	34.26%	33.59%	32.23%	32.44%	25.27%	33.59%	34.72%	34.42%	34.51%	33.84%	33.94%			22.22%	55.56%	35.54%	35.06%	32.56%	29.91%	30.91%	29.76%	31.48%	29.17%	19.35%	18.75%
Net Earnings	$113.3M	$101.1M	$88.08M	$89.60M	$89.35M	$70.00M	$54.31M	$52.13M	$54.10M	$52.96M	$48.22M	$38.95M	$40.68M	$39.00M	$42.60M	$28.10M	$51.00M	$53.20M	$50.30M	$46.30M	$43.70M	$32.50M	-$26.00M	-$38.40M	$6.200M	$5.200M	$26.30M	$21.30M	$8.700M	$8.100M	$7.600M	$5.900M	$3.600M	$3.400M	$2.600M	$2.700M
YoY Change	12.08%	14.8%	-1.69%	0.27%	27.64%	28.89%	4.19%	-3.64%	2.14%	9.85%	23.8%	-4.26%	4.3%	-8.45%	51.6%	-44.9%	-4.14%	5.77%	8.64%	5.95%	34.46%	-225.0%	-32.29%	-719.35%	19.23%	-80.23%	23.47%	144.83%	7.41%	6.58%	28.81%	63.89%	5.88%	30.77%	-3.7%	8.0%
Net Earnings / Revenue	164.08%	148.48%	53.23%	50.26%	45.2%	42.71%	38.0%	39.45%	42.57%	40.88%	34.8%	34.71%	36.03%
Basic Earnings Per Share	$7.62	$6.81	$5.67	$5.55	$5.43	$4.50	$3.49	$3.46	$3.54	$3.40	$3.07	$2.63	$2.68
Diluted Earnings Per Share	$7.61	$6.798M	$5.66	$5.55	$5.42	$4.49	$3.48	$3.45	$3.53	$3.38	$3.04	$2.61	$2.67	$2.484M	$2.679M	$1.735M	$3.018M	$2.989M	$2.842M	$2.740M	$2.586M	$1.901M	-$1.538M	-$2.272M	$369.0K	$307.7K	$1.594M	$1.340M	$1.554M	$1.421M	$1.333M	$1.283M	$923.1K	$871.8K	$896.6K	$931.0K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989	1988
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$72.15M	$70.79M	$74.10M	$76.90M	$77.00M	$78.40M	$72.70M	$75.20M	$77.30M	$78.00M	$82.50M	$72.70M	$64.60M	$64.50M	$64.20M	$60.10M	$54.60M	$44.70M	$42.50M	$34.60M	$35.30M	$37.80M	$43.20M	$56.90M	$66.10M	$71.10M	$53.80M	$30.00M	$23.70M	$21.10M	$15.40M	$10.50M	$8.100M	$5.000M	$5.100M	$5.000M
YoY Change	1.92%	-4.47%	-3.64%	-0.13%	-1.79%	7.84%	-3.32%	-2.72%	-0.9%	-5.45%	13.48%	12.54%	0.16%	0.47%	6.82%	10.07%	22.15%	5.18%	22.83%	-1.98%	-6.61%	-12.5%	-24.08%	-13.92%	-7.03%	32.16%	79.33%	26.58%	12.32%	37.01%	46.67%	29.63%	62.0%	-1.96%	2.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments							$1.300M	$300.0K	$500.0K	$900.0K	$1.300M
YoY Change							333.33%	-40.0%	-44.44%	-30.77%
Other Assets	$42.22M	$44.88M	$100.0K	$0.00	$6.700M	$17.30M	$11.90M	$28.00M	$30.00M	$36.80M	$42.20M	$32.70M	$32.20M	$29.20M	$29.50M	$46.00M	$20.60M	$23.70M	$27.90M	$27.00M	$29.30M	$35.90M	$47.40M	$44.60M
YoY Change	-5.94%	44784.0%		-100.0%	-61.27%	45.38%	-57.5%	-6.67%	-18.48%	-12.8%	29.05%	1.55%	10.27%	-1.02%	-35.87%	123.3%	-13.08%	-15.05%	3.33%	-7.85%	-18.38%	-24.26%	6.28%
Total Long-Term Assets
YoY Change
Total Assets	$6.168B	$5.878B	$6.004B	$5.759B	$5.019B	$4.899B	$4.132B	$3.984B	$3.714B	$3.462B	$3.368B	$2.918B	$2.777B	$2.637B	$2.623B	$2.586B	$2.483B	$2.508B	$2.503B	$2.213B	$2.214B	$2.048B	$2.116B	$2.672B	$2.793B	$2.706B	$2.286B	$1.049B	$1.041B	$895.8M	$707.1M	$532.7M	$416.9M	$340.9M	$307.9M	$299.0M
YoY Change
Accounts Payable
YoY Change
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt	$309.9M	$291.0M	$312.5M	$296.0M	$211.3M	$221.9M	$198.2M	$184.2M	$141.9M	$134.9M	$137.8M	$114.6M	$189.1M	$112.3M	$116.3M	$122.9M	$119.6M	$115.7M	$76.40M	$70.20M	$88.40M	$96.90M	$92.20M	$131.7M	$386.7M	$183.4M	$172.8M	$90.30M	$141.3M	$66.60M	$21.70M	$9.500M	$8.400M	$14.50M	$16.80M	$16.40M
YoY Change	6.49%	-6.89%	5.57%	40.09%	-4.78%	11.96%	7.6%	29.81%	5.19%	-2.1%	20.24%	-39.4%	68.39%	-3.44%	-5.37%	2.76%	3.37%	51.44%	8.83%	-20.59%	-8.77%	5.1%	-29.99%	-65.94%	110.85%	6.13%	91.36%	-36.09%	112.16%	206.91%	128.42%	13.1%	-42.07%	-13.69%	2.44%
Long-Term Debt Due																$0.00	$16.80M	$0.00	$0.00		$0.00	$26.30M
YoY Change																-100.0%					-100.0%
Total Short-Term Liabilities	$309.9M	$291.0M	$312.5M	$296.0M	$211.3M	$221.9M	$198.2M	$184.2M	$141.9M	$134.9M	$137.8M	$114.6M	$189.1M	$112.3M	$116.3M	$122.9M	$16.80M	$115.7M	$76.40M	$70.20M	$88.40M	$26.30M	$92.20M	$131.7M	$386.7M	$183.4M	$172.8M	$90.30M	$141.3M	$66.60M	$21.70M	$9.500M	$8.400M	$14.50M	$16.80M	$16.40M
YoY Change	6.49%	-6.89%	5.57%	40.09%	-4.78%	11.96%	7.6%	29.81%	5.19%	-2.1%	20.24%	-39.4%	68.39%	-3.44%	-5.37%	631.55%	-85.48%	51.44%	8.83%	-20.59%	236.12%	-71.48%	-29.99%	-65.94%	110.85%	6.13%	91.36%	-36.09%	112.16%	206.91%	128.42%	13.1%	-42.07%	-13.69%	2.44%
Long-Term Debt	$0.00	$0.00	$0.00	$0.00	$4.100M	$4.100M	$16.50M	$16.50M	$16.50M	$16.50M	$16.50M	$16.50M	$16.50M	$16.50M	$17.00M	$16.50M	$0.00	$16.80M	$28.80M	$28.80M	$30.80M	$87.50M	$101.8M	$107.3M	$103.5M	$102.6M	$40.50M	$24.30M	$15.00M	$6.900M	$5.900M	$4.000M	$0.00	$1.700M	$2.200M	$2.600M
YoY Change				-100.0%	0.0%	-75.15%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	-2.94%	3.03%		-100.0%	-41.67%	0.0%	-6.49%	-64.8%	-14.05%	-5.13%	3.67%	0.88%	153.33%	66.67%	62.0%	117.39%	16.95%	47.5%		-100.0%	-22.73%	-15.38%
Other Long-Term Liabilities	$121.9M	$139.4M	$84.80M	$106.2M	$69.60M	$56.70M	$45.40M	$45.50M	$39.40M	$46.60M	$41.20M	$43.70M	$39.20M	$21.90M	$14.70M	$47.40M	$31.80M	$32.60M	$31.40M	$30.40M	$27.70M	$32.20M	$34.60M	$53.00M	$48.00M	$47.90M	$38.00M	$16.20M	$9.100M	$9.200M	$5.900M	$4.800M	$4.800M	$4.100M	$3.800M	$3.500M
YoY Change	-12.59%	64.42%	-20.15%	52.59%	22.75%	24.89%	-0.22%	15.48%	-15.45%	13.11%	-5.72%	11.48%	79.0%	48.98%	-68.99%	49.06%	-2.45%	3.82%	3.29%	9.75%	-13.98%	-6.94%	-34.72%	10.42%	0.21%	26.05%	134.57%	78.02%	-1.09%	55.93%	22.92%	0.0%	17.07%	7.89%	8.57%
Total Long-Term Liabilities	$121.9M	$139.4M	$84.80M	$106.2M	$73.70M	$60.80M	$61.90M	$62.00M	$55.90M	$63.10M	$57.70M	$60.20M	$55.70M	$38.40M	$31.70M	$63.90M	$31.80M	$49.40M	$60.20M	$59.20M	$58.50M	$119.7M	$136.4M	$160.3M	$151.5M	$150.5M	$78.50M	$40.50M	$24.10M	$16.10M	$11.80M	$8.800M	$4.800M	$5.800M	$6.000M	$6.100M
YoY Change	-12.59%	64.42%	-20.15%	44.1%	21.22%	-1.78%	-0.16%	10.91%	-11.41%	9.36%	-4.15%	8.08%	45.05%	21.14%	-50.39%	100.94%	-35.63%	-17.94%	1.69%	1.2%	-51.13%	-12.24%	-14.91%	5.81%	0.66%	91.72%	93.83%	68.05%	49.69%	36.44%	34.09%	83.33%	-17.24%	-3.33%	-1.64%
Total Liabilities	$5.491B	$5.300B	$5.323B	$5.058B	$4.361B	$4.298B	$3.630B	$3.542B	$3.295B	$3.071B	$2.981B	$2.584B	$2.466B	$2.322B	$2.314B	$2.302B	$2.189B	$2.203B	$2.211B	$1.997B	$2.024B	$1.883B	$1.970B	$2.508B	$2.594B	$2.486B	$2.066B	$969.4M	$967.8M	$829.5M	$651.2M	$488.7M	$376.4M	$311.8M	$280.7M	$273.7M
YoY Change	3.6%	-0.42%	5.24%	15.98%	1.46%	18.41%	2.48%	7.5%	7.29%	3.03%	15.34%	4.79%	6.18%	0.38%	0.51%	5.17%	-0.62%	-0.36%	10.68%	-1.31%	7.5%	-4.44%	-21.46%	-3.31%	4.34%	20.32%	113.13%	0.17%	16.67%	27.38%	33.25%	29.84%	20.72%	11.08%	2.56%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011
Basic Shares Outstanding	14.87M shares	14.85M shares	15.38M shares	15.98M shares	16.31M shares	15.42M shares	15.41M shares	14.90M shares	15.12M shares	15.40M shares	15.56M shares	14.71M shares	15.06M shares
Diluted Shares Outstanding	14.89M shares	14.87M shares	15.41M shares	16.00M shares	16.33M shares	15.44M shares	15.44M shares	14.91M shares	15.17M shares	15.49M shares	15.71M shares	14.80M shares	15.13M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $1.942 Billion

About City Holding Co

City Holding Co. is a financial holding company, which engages in the provision of financial and community banking services. The company is headquartered in Charleston, West Virginia and currently employs 953 full-time employees. The firm operates through its wholly owned subsidiary, City National Bank of West Virginia (City National). City National is a retail and consumer-oriented community bank with approximately 98 bank branches. City National provides credit, deposit, and trust and investment management services to its customers. City National include commercial banking, which offers a range of commercial banking services to corporations and other business customers; consumer banking that provides banking services to consumers, including checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts; and various other products. City National also provides mortgage banking services, trust, investment and custodial services, administration of personal trusts and estates, management of investment accounts for individuals, employee benefit plans and charitable foundations.

Industry: National Commercial Banks Peers: Bancorp Inc Berkshire Hills Bancorp Inc Eagle Bancorp Inc First Bancorp (North Carolina) First Busey Corp Live Oak Bancshares Inc National Bank Holdings Corp PNC Financial Services Group Inc Triumph Financial Inc Veritex Holdings Inc