City Holding Company
Find Ratings ReportsCITY HOLDING CO's gross profit margin for the fourth quarter of its fiscal year 2023 has decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased.
During the same period, stockholders' equity ("net worth") has increased by 17.16% from the same quarter last year.
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Income Statement | Q4 FY23 | Q4 FY22 |
---|---|---|
Net Sales ($mil) | 86.1 | 75.12 |
EBITDA ($mil) | 47.51 | 50.2 |
EBIT ($mil) | 46.41 | 48.91 |
Net Income ($mil) | 27.45 | 30.66 |
Balance Sheet | Q4 FY23 | Q4 FY22 |
---|---|---|
Cash & Equiv. ($mil) | 156.28 | 200.0 |
Total Assets ($mil) | 6168.05 | 5878.11 |
Total Debt ($mil) | 434.86 | 290.96 |
Equity ($mil) | 677.07 | 577.85 |
Profitability | Q4 FY23 | Q4 FY22 |
---|---|---|
Gross Profit Margin | 80.37 | 93.28 |
EBITDA Margin | 55.18 | 66.82 |
Operating Margin | 53.9 | 65.11 |
Sales Turnover | 0.06 | 0.04 |
Return on Assets | 1.85 | 1.73 |
Return on Equity | 16.89 | 17.66 |
Debt | Q4 FY23 | Q4 FY22 |
---|---|---|
Current Ratio | 0.0 | 0.0 |
Debt/Capital | 0.39 | 0.33 |
Interest Expense | 0.0 | 0.0 |
Interest Coverage | 0.0 | 0.0 |
Share Data | Q4 FY23 | Q4 FY22 |
---|---|---|
Shares outstanding (mil) | 14.83 | 14.79 |
Div / share | 0.72 | 0.65 |
EPS | 1.84 | 2.05 |
Book value / share | 45.65 | 39.08 |
Institutional Own % | n/a | n/a |
Avg Daily Volume | 67498.0 | 61128.0 |
BUY. This stock's P/E ratio indicates a discount compared to an average of 17.75 for the Credit Intermediation and Related Activities subsector and a significant discount compared to the S&P 500 average of 27.95. For additional comparison, its price-to-book ratio of 2.18 indicates a significant discount versus the S&P 500 average of 4.68 and a significant discount versus the subsector average of 8.64. The price-to-sales ratio is well above the S&P 500 average, but well below the subsector average. Upon assessment of these and other key valuation criteria, CITY HOLDING CO proves to trade at a discount to investment alternatives.
Price/Earnings |
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Price/Cash Flow |
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CHCO 13.10 | Peers 17.75 | CHCO 10.75 | Peers 20.18 | |||||||||||||||||||||
Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations. CHCO is trading at a significant discount to its peers. |
Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures. CHCO is trading at a significant discount to its peers. |
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Price/Projected Earnings |
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Price to Earnings/Growth |
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CHCO 13.64 | Peers 13.86 | CHCO NM | Peers 1.78 | |||||||||||||||||||||
Average. An average price-to-projected earnings ratio can signify an subsector neutral stock price and average future growth expectations. CHCO is trading at a valuation on par with its peers. |
Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples. CHCO's negative PEG ratio makes this valuation measure meaningless. |
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Price/Book |
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Earnings Growth |
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CHCO 2.18 | Peers 8.64 | CHCO 11.91 | Peers 24.72 | |||||||||||||||||||||
Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet. CHCO is trading at a significant discount to its peers. |
Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios. However, CHCO is expected to significantly trail its peers on the basis of its earnings growth rate. |
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Price/Sales |
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Sales Growth |
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CHCO 4.32 | Peers 4.87 | CHCO 30.61 | Peers 44.87 | |||||||||||||||||||||
Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales. CHCO is trading at a discount to its subsector on this measurement. |
Lower. A sales growth rate that trails the subsector implies that a company is losing market share. CHCO significantly trails its peers on the basis of sales growth. |
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