ScoreWhy is City Holding Co. ?
1
High Profitability with a Net Interest Margin of 4.22%
2
The Bank has a high Capital Adequacy Ratio of 16.32% signifying high buffers against its risk based assets
3
Positive results in Jun 25
- DIVIDEND PER SHARE(HY) Highest at USD 0
- NII(Q) Highest at USD 58.92 MM
- CASH AND EQV(HY) Highest at USD 280.91 MM
4
With ROA of 1.20%, it has a expensive valuation with a 2.86 Price to Book Value
- The stock is trading at a fair value compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -8.45%, its profits have fallen by -1.1%
5
High Institutional Holdings at 76.4%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
- Their stake has increased by 0.71% over the previous quarter.
6
Below par performance in long term as well as near term
- Along with generating -8.45% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to City Holding Co. should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is City Holding Co. for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
City Holding Co.
-5.92%
0.97
22.17%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.49%
EBIT Growth (5y)
2.06%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
38.13%
Pledged Shares
0
Institutional Holding
76.40%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
18
Industry P/E
Price to Book Value
2.86
EV to EBIT
16.54
EV to EBITDA
15.39
EV to Capital Employed
2.71
EV to Sales
7.18
PEG Ratio
NA
Dividend Yield
1.71%
ROCE (Latest)
16.39%
ROE (Latest)
15.46%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
Bullish
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Bullish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
No Trend
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
DIVIDEND PER SHARE(HY)
Highest at USD 0
NII(Q)
Highest at USD 58.92 MM
CASH AND EQV(HY)
Highest at USD 280.91 MM
NET SALES(Q)
Highest at USD 80.29 MM
OPERATING PROFIT(Q)
Highest at USD 41.01 MM
OPERATING PROFIT MARGIN(Q)
Highest at 51.08 %
PRE-TAX PROFIT(Q)
Highest at USD 41.16 MM
NET PROFIT(Q)
Highest at USD 33.08 MM
EPS(Q)
Highest at USD 2.29
0What is not working for the Company
NO KEY NEGATIVE TRIGGERS
Here's what is working for City Holding Co.
NII
Highest at USD 58.92 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Dividend per share
Highest at USD 0 and Grown
In each year in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Net Sales
Highest at USD 80.29 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 41.01 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 51.08 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 41.16 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 33.08 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 2.29
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 280.91 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
Highest at USD 3.57 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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