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
With a growth in Interest of NAN%, the company declared Very Positive results in Mar 26
- OPERATING CASH FLOW(Y) Highest at USD 137.86 MM
- ROCE(HY) Highest at 1.95%
- DIVIDEND PER SHARE(HY) Highest at USD 0
4
With ROA of 1.16%, it has a fair valuation with a 2.69 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 9.50%, its profits have risen by 11.4% ; the PEG ratio of the company is 1.2
5
High Institutional Holdings at 73.69%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
6
Underperformed the market in the last 1 year
- The stock has generated a return of 9.50% in the last 1 year, much lower than market (S&P 500) returns of 25.41%
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.
9.5%
1.27
20.35%
S&P 500
25.41%
1.92
13.25%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
12.50%
EBIT Growth (5y)
4.08%
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
73.69%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
17
Industry P/E
Price to Book Value
2.69
EV to EBIT
15.84
EV to EBITDA
14.87
EV to Capital Employed
2.32
EV to Sales
7.48
PEG Ratio
1.23
Dividend Yield
1.93%
ROCE (Latest)
14.63%
ROE (Latest)
15.97%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend13What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 137.86 MM
ROCE(HY)
Highest at 1.95%
DIVIDEND PER SHARE(HY)
Highest at USD 0
GROSS NPA (%)
(Q
CREDIT DEPOSIT RATIO(Q)
Highest at 0.25%
CASH AND EQV(HY)
Highest at USD 287.93 MM
-2What is not working for the Company
ROCE(HY)
Lowest at 1.95%
Here's what is working for City Holding Co.
Operating Cash Flow
Highest at USD 137.86 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Non Performing Loans (%)
Lowest at 0.25%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Credit Deposit Ratio
Highest at 0.25% and Grown
In each half year 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 (%)
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 287.93 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Depreciation
At USD 2.13 MM has Grown at 86.19%
period on period (QoQ)MOJO Watch
The expenditure on assets done by the company has gone into productive use which should positively reflect in the future sales
Depreciation (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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