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CITY HOLDING CO (CHCO)

National Commercial Banks ยท Financial Services ยท $1.8B

undervalued
Intrinsic Value (Consensus)
$195.59
Current Price
$127.15
Margin of Safety
+53.8%
53.8% Below Intrinsic Value
Value: $196
Price: $127

Valuation Model Estimates

Current Price: $127.15
DCF (Discounted Cash Flow)
$253.33
Graham Number
$105.99
Earnings Power Value
$86.70
Relative Value (P/E)
$178.60
Dividend Discount Model
$353.33
Consensus Value
$195.59

Model Assumptions

Discount Rate
10.3%
Growth Rate
13.2%
Terminal Growth
2.5%
Risk-Free Rate
4.3%

Discount rate derived from CAPM (risk-free rate + beta ร— market risk premium). Growth rate based on trailing earnings growth, capped at 20%.

Health Score

B
78
Profitability
22/25
Strength
24/25
Valuation
22/25
Growth
10/25

Financial Health Signals

Low debt โ€” conservative balance sheet

Key Financials

EPS (TTM)
$8.93
EPS (Forward)
$10.11
Book Value
$55.91
P/E Ratio
20.0
Forward P/E
17.7
PEG Ratio
โ€”
ROE
16.1%
Debt/Equity
19%
Revenue Growth
N/A
Earnings Growth
13.2%
Dividend Yield
0.6%
Beta
1.00

Data last updated: 2026-06-21

Source: Yahoo Finance