CHCO

City Holding Company

$120.12

0.55

(0.46%)

Exchange:	NASDAQ
Market Cap:	1.74B
Shares Outstanding:	2.139M

Overview

Earnings

Financials

Valuation

Chart

About The Company

City Holding Company operates as a holding company for City National Bank of West Virginia that provides various banking, trust and investment management, and other financial solutions in the United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. It also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of residence; first-priority home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts. In addition, the company offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government insured mortgages, secondary marketing, and mortgage servicing. Further, it provides deposit services for commercial customers comprising treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. The company operates through a network of 94 branches and 905 full-time equivalent associates in West Virginia, Virginia, Kentucky, and Ohio. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.

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Revenue Segmentation

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EPS

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Earnings Call

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Income Statement

Balance Sheet

Cash Flow Statement

Analyst Estimates

Income Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Revenue	168,104	173,616	185,808	194,270	224,296	231,431	218,759	246,078	286,627	285,062
? Cost Of Revenue	0	0	0	0	0	0	0	0	0	0
? Gross Profit	168,104	173,616	185,808	194,270	224,296	231,431	218,759	246,078	286,627	285,062
? Research And Development Expenses	0	0	0	0	0	0	0	0	0	0
? General And Administrative Expenses	49,641	52,505	52,405	55,636	62,776	62,958	63,433	68,209	76,085	79,255
? Selling And Marketing Expenses	2,446	2,606	2,914	2,974	3,344	2,776	3,091	3,405	3,112	3,821
? Operating Expenses	81,866.999	27,061	26,986	-80,561	-110,809	-120,119	-107,565	5,599	108,139	285,062
? Net Interest Income	0	0	0	0	0	0	0	0	0	220,237
? Interest Income	127,074	132,152	142,930	163,901	197,700	178,259	165,467	189,688	271,264	306,429
? Interest Expense	11,830	13,207	16,805	25,692	36,339	23,615	9,894	9,655	52,023	86,192
? Depreciation And Amortization	6,088	6,832	6,440	5,593	6,984	7,439	7,303	6,711	0	13,199
? EBITDA	72,926	84,284	97,634	94,385	119,189	121,984	125,807	143,110	0	0
? EBIT										-13,199
? Operating Income	82,511	77,211	90,745	113,709	113,487	111,312	111,194	136,989	148,256	-243,907
? Income Before Tax	82,511	77,211	90,745	88,017	113,487	111,312	111,194	127,334	143,106	144,516
? Income Tax Expense	28,414	25,083	36,435	18,015	24,135	21,717	23,114	25,263	28,741	27,415
? Net Income From Continuing Operations										117,101
? Net Income	54,097	52,128	54,310	70,002	89,352	89,595	88,080	102,071	114,365	117,101
? EPS (Earnings Per Share)	3.540	3.460	3.490	4.540	5.430	5.550	5.670	6.810	7.620	8.200
? EPS Diluted	3.530	3.450	3.480	4.530	5.420	5.550	5.660	6.800	7.610	8.190
? Weighted Average Shares Outstanding	15,123	14,900	15,412	15,421	16,314	15,975	15,381	14,847	14,868	14,676
? Weighted Average Shares Outstanding Diluted	15,171	14,913	15,436	15,439	16,332.999	15,995	15,407	14,873	14,891	14,697
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Balance Sheet

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Cash And Cash Equivalents	70,113	88,139	82,508	122,991	140,144	528,659	634,631	200,000	156,276	225,389
? Short Term Investments	369,466	450,083	550,389	723,254	810,106	1,178,789	1,408,165	1,505,520	1,338,137	1,421,306
? Cash And Short Term Investments	439,579	538,222	632,897	846,245	950,250	1,707,448	2,042,796	1,705,520	156,276	1,538,886
? Net Receivables	7,432	8,408	9,223	12,424	11,569	15,793	15,627	18,287	0	20,650
? Accounts Receivables										20,650
? Inventory	0	0	0	0	-156,413	-546,152	-651,558	-219,187	0	0
? Total Current Assets	3,085,678	3,290,499	3,352,019	3,884,890	961,819	1,723,241	2,058,423	1,723,807	156,276	1,559,536
? Property Plant Equipment Net	77,271	75,165	72,682	78,383	76,965	76,925	74,071	70,786	72,146	70,539
? Goodwill	76,256	76,196	76,196	109,567	108,941	108,941	108,942	108,942	149,902	0
? Intangible Assets	3,536	2,939	2,399	13,281	120,241	118,592	117,121	115,735	12,666	0
? Long Term Investments	471,318	539,604	628,985	812,891	887,632	1,206,161	1,433,696	1,529,327	1,369,103	0
? Total Non Current Assets	628,381	693,904	780,262	1,014,122	1,084,649	1,401,678	1,624,888	1,715,848	6,001,160	272,287
? Total Assets	3,712,053	3,969,648	4,132,349	4,900,925	5,019,159	5,758,640	6,003,695	5,878,106	6,168,052	6,459,459
? Account Payables	0	0	0	0	0	0	0	0	0	0
? Short Term Debt	13,000	0	0	0	0	0	0	0	334,856	0
? Deferred Revenue	0	0	0	0	0	0	0	0	0	0
? Total Current Liabilities	13,000	64,100	54,000	40,000	1,912,807	2,500,147	2,821,431	3,408,602	0	0
? Long Term Debt	16,495	16,495	16,495	4,053	4,056	0	0	0	100,000	150,000
? Deferred Revenue Non Current	0	-49,272	-47,787	-60,280	-5,769	0	0	0	0	0
? Deferred Tax Liabilities Non Current	0	3,760	2,361	3,555	9,825	3,202	15,551	10,154	0	0
? Total Non Current Liabilities	16,495	16,495	16,495	4,053	4,056	3,202	2,516,709.999	1,901,806	5,490,986	150,000
? Total Liabilities	3,292,890	3,527,155	3,629,958	4,297,320	4,056	3,202	5,338,141	5,300,254	5,490,986	5,728,795
? Treasury Stock										0
? Preferred Stock	0	0	0	2,128	0	0	0	0	0	0
? Common Stock	46,249	46,518	47,619	47,619	47,619	47,619	47,619	47,619	47,619	47,619
? Retained Earnings	390,690	417,017	443,482	485,967	539,253	589,988	641,826	706,696	780,299	852,757
? Additional Paid In Capital										0
? Total Stockholders Equity	419,163	442,493	502,391	603,605	658,382	701,106	681,105	577,852	677,066	730,664
? Total Equity	419,163	442,493	502,391	603,605	658,382	701,106	681,105	577,852	677,066	730,664
? Minority Interest	0	0	0	0	0	0	0	0	0	0
? Total Liabilities And Total Equity	3,712,053	3,969,648	4,132,349	4,900,925	5,019,159	5,758,640	6,003,695	5,878,106	6,168,052	6,459,459
? Total Investments	840,784	989,687	1,179,374	1,536,145	1,697,738	2,384,950	2,841,861	3,034,847	2,707,240	1,421,306
? Total Debt	16,495	16,495	16,495	44,053	4,056	295,956	312,458	290,964	434,856	150,000
? Net Debt	-53,618	-71,644	-66,013	-78,938	-136,088	-232,703	-322,173	90,964	278,580	-75,389
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Cash Flow Statement

(* All numbers are in thousands)

	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
? Net Income	54,097	52,128	54,310	70,002	89,352	89,595	88,080	102,071	114,365	117,101
? Depreciation And Amortization	1,499	7,073	6,889	6,368	5,702	10,672	14,613	15,776	10,721	0
? Deferred Income Tax	6,627	3,817	14,909	-1,244	4,939	2,640	2,185	1,469	-2,764	-97
? Stock Based Compensation	1,793	2,018	2,097	2,151	2,516	3,253	3,121	3,276	3,213	3,522
? Change In Working Capital	-8,380	3,049	36	3,288	78	-6,040	3,160	-3,235	10,187	0
? Accounts Receivables	-375	-976	-815	-1,500	855	-4,224	166	-2,660	0	0
? Inventory	0	0	0	0	0	0	0	0	0	0
? Accounts Payables	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Operating Activities	47,895	65,330	77,843	73,073	98,643	89,795	102,273	115,817	137,580	112,412
? Investments In Property Plant And Equipment	-3,014	-5,517	-6,574	-10,192	-4,729	-5,544	-3,323	-2,141	-2,962	0
? Acquisitions Net	35,280	836	3,057	12,226	-24,661	-3,428	77,359	190	14,016	0
? Purchases Of Investments	-185,663	-196,150	-187,031	-171,151	-220,688	-463,725	-560,843	-519,564	-101,710	0
? Sales Maturities Of Investments	69,306	123,049	102,632	96,551	171,617	189,744	296,375	211,361	326,033	1,548
? Net Cash Provided By Investing Activities	0	0	0	0	0	0	0	0	0	1,615
? Net Debt Issuance	0	0	0	0	0	0	0	0	0	40,799
? Long Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	50,000
? Short Term Net Debt Issuance	0	0	0	0	0	0	0	0	0	-9,201
? Net Stock Issuance	0	0	0	0	0	0	0	0	0	-17,896
? Net Dividends Paid	-25,304	-25,718	-27,120	-29,583	-35,547	-36,673	-36,138	-36,702	-39,993	-43,482
? Common Dividends Paid										-43,482
? Preferred Dividends Paid	0	0	0	0	0	0	0	0	0	0
? Net Cash Provided By Financing Activities	58,070	213,989	89,931	131,376	20,936	584,006	194,866	-139,996	-195,984	-60,684
? Effect Of Forex Changes On Cash	0	0	0	0	0	0	0	0	0	0
? Net Change In Cash	-78,115	18,026	-5,631	40,483	17,153	388,515	105,972	-434,631	-43,724	53,343
? Cash At End Of Period	70,113	88,139	82,508	122,991	140,144	528,659	634,631	200,000	156,276	117,331
? Cash At Beginning Of Period	148,228	70,113	88,139	82,508	122,991	140,144	528,659	634,631	200,000	63,988
? Operating Cash Flow	47,895	65,330	77,843	73,073	98,643	89,795	102,273	115,817	137,580	112,412
? Capital Expenditure	-3,014	-5,517	-6,574	-10,192	-4,729	-5,544	-3,323	-2,141	-2,962	0
? Free Cash Flow	44,881	59,813	71,269	62,881	93,914	84,251	98,950	113,676	134,618	112,412
	USD	USD	USD	USD	USD	USD	USD	USD	USD	USD

Analyst Estimates

(* All numbers are in thousands)

Fiscal Year	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026
Estimated Revenue (Low)	186,996.228	200,240.822	228,135.628	224,837.824	222,899.532	250,860.278	293,151.655	296,330.059	298,629.823	306,005.730
Estimated Revenue (High)	188,281.957	201,617.616	229,704.218	226,383.739	224,432.121	253,550.229	294,189.270	296,970.340	299,033.376	306,428.669
Estimated Revenue (Avg)	187,778.500	201,078.500	229,090	225,778.400	223,832	252,228	293,675.500	296,650.200	298,831.600	306,217.200
Estimated Ebitda (Low)	90,787.513	91,574.838	118,372.952	66,363.753	89,020.574	94,357.310	103,793.039	131,282.217	132,301.074	135,568.800
Estimated Ebitda (High)	136,181.270	137,362.257	177,559.428	99,545.630	133,530.861	141,535.967	155,689.562	131,565.879	132,479.859	135,756.174
Estimated Ebitda (Avg)	113,484.392	114,468.548	147,966.190	82,954.692	111,275.718	117,946.639	129,741.301	131,424.048	132,390.467	135,662.487
Estimated Net Income (Low)	40,957.926	52,487.017	68,005.079	40,788.420	57,747.191	63,727.202	90,663.198	115,037.747	109,208.218	112,638.211
Estimated Net Income (High)	61,436.889	78,730.527	102,007.621	61,182.630	86,620.787	95,590.804	135,994.801	117,412.713	115,192.316	120,371.257
Estimated Net Income (Avg)	51,197.408	65,608.772	85,006.350	50,985.525	72,183.989	79,659.003	113,329	116,032	110,468.500	116,504.734
Estimated SGA Expense (Low)	47,641.943	50,118.080	55,198.567	33,251.022	48,096.750	52,359.532	57,595.484	85,950.381	86,617.427	88,756.805
Estimated SGA Expense (High)	71,462.914	75,177.121	82,797.851	49,876.534	72,145.125	78,539.298	86,393.227	86,136.094	86,734.477	88,879.478
Estimated SGA Expense (Avg)	59,552.429	62,647.601	68,998.209	41,563.778	60,120.938	65,449.415	71,994.356	86,043.238	86,675.952	88,818.141
Estimated EPS (Avg)	3.710	5.050	5.370	4.400	5.430	6.670	7.950	7.830	7.580	7.850
Estimated EPS (High)	3.720	5.060	5.390	4.420	5.450	6.710	8.150	7.880	7.740	8.080
Estimated EPS (Low)	3.680	5.020	5.340	4.380	5.400	6.620	7.840	7.730	7.330	7.560
Number of Analysts (Estimated Revenue)	13	9	1	2	2	1	4	3	4	4
Number of Analysts (Estimated EPS)	12	8	2	1	1	2	4	4	5	5

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Current Key Metrics

?	Revenue (TTM) :	379.342M	?	P/S (TTM) :	4.49
?	Net Income (TTM) :	116.032M	?	P/E (TTM) :	14.44
?	Enterprise Value (TTM) :	1.8B	?	EV/FCF (TTM) :	13.97
?	Dividend Yield (TTM) :	0.03	?	Payout Ratio (TTM) :	0.38
?	ROE (TTM) :	0.16	?	ROIC (TTM) :	0.09
?	Net Debt (TTM) :	358.075M	?	Debt/Equity (TTM) :
?	P/B (TTM) :		?	Current Ratio (TTM) :