ScoreWhy is City Holding Co. ?
1
High Profitability with a Net Interest Margin of 5.31%
2
The Bank has a high Capital Adequacy Ratio of 16.32% signifying high buffers against its risk based assets
3
Positive results in Dec 25
- ROCE(HY) Highest at 1.96%
- DIVIDEND PER SHARE(HY) Highest at USD 0
- CASH AND EQV(HY) Highest at USD 281.77 MM
4
With ROA of 1.31%, it has a fair valuation with a 2.66 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 -1.14%, its profits have risen by 11.4% ; the PEG ratio of the company is 1.2
5
High Institutional Holdings at 75.04%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Below par performance in long term as well as near term
- Along with generating -1.14% 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.
-1.14%
0.75
21.15%
S&P 500
14.9%
0.77
19.29%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.50%
EBIT Growth (5y)
4.18%
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
37.18%
Pledged Shares
0
Institutional Holding
75.04%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
2.66
EV to EBIT
16.23
EV to EBITDA
15.35
EV to Capital Employed
2.18
EV to Sales
7.72
PEG Ratio
1.22
Dividend Yield
1.95%
ROCE (Latest)
13.46%
ROE (Latest)
15.97%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
ROCE(HY)
Highest at 1.96%
DIVIDEND PER SHARE(HY)
Highest at USD 0
CASH AND EQV(HY)
Highest at USD 281.77 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 85.02%
-5What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 97.02 MM
ROCE(HY)
Lowest at 1.96%
Here's what is working for City Holding Co.
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)
Cash and Eqv
Highest at USD 281.77 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 85.02%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for City Holding Co.
Operating Cash Flow
Lowest at USD 97.02 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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