Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
City Holding Company's quarterly P/E stands at 13.7x, down 10.5% year-over-year — suggesting improving earnings relative to price.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 13.73 | 13.67 | 12.85 | 13.36 | 14.26 | 15.27 | 14.53 | 13.55 | 13.23 | 14.98 | 11.41 | 10.42 | 13.94 |
| — | -10.5% | -11.6% | -1.4% | +7.8% | +1.9% | +27.4% | +30.1% | -5.1% | +32.0% | -5.8% | -20.7% | +0.6% | |
| P/S Ratio | 4.49 | 4.24 | 4.48 | 4.56 | 4.57 | 4.67 | 4.47 | 4.22 | 4.33 | 4.84 | 3.95 | 3.92 | 4.29 |
| — | -9.2% | +0.1% | +8.2% | +5.7% | -3.6% | +13.2% | +7.7% | +0.9% | +3.8% | -18.5% | -22.5% | -19.6% | |
| P/B Ratio | 2.18 | 2.11 | 2.24 | 2.32 | 2.27 | 2.38 | 2.32 | 2.28 | 2.26 | 2.41 | 2.21 | 2.12 | 2.07 |
| — | -11.3% | -3.4% | +1.9% | +0.4% | -1.0% | +4.9% | +7.2% | +9.3% | +1.1% | -7.6% | +5.6% | +11.0% | |
| P/FCF | 13.71 | 12.74 | 12.53 | 15.91 | 13.74 | 13.27 | 11.62 | 14.06 | 12.24 | 12.37 | 9.36 | 12.84 | 8.58 |
| — | -4.0% | +7.8% | +13.2% | +12.3% | +7.3% | +24.2% | +9.5% | +42.5% | +20.8% | +1.9% | -29.8% | -18.4% | |
| EV / EBITDA | 12.42 | 12.78 | 11.38 | 11.68 | 11.43 | 12.83 | 12.00 | 11.55 | 10.60 | 13.69 | 9.94 | 8.44 | 9.82 |
| — | -0.3% | -5.1% | +1.1% | +7.9% | -6.3% | +20.6% | +36.8% | +8.0% | +51.6% | +16.1% | +22.3% | +42.1% | |
| EV / EBIT | 13.08 | 12.78 | 11.89 | 12.69 | 12.40 | 14.44 | 12.90 | 12.53 | 11.46 | 14.00 | 10.70 | 9.18 | 10.94 |
| — | -11.5% | -7.9% | +1.3% | +8.2% | +3.2% | +20.5% | +36.5% | +4.7% | +43.0% | +12.9% | +16.5% | +33.6% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
City Holding Company's operating margin was 40.2% in Q4 2025, down 3.6 pp QoQ and up 3.2 pp YoY. The trailing four-quarter average of 41.4% exceeds the current quarter, suggesting the latest result may reflect seasonal weakness or a one-off headwind. Gross margin expanded 6.1% YoY, indicating pricing power or improving input costs.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 79.0% | 79.3% | 79.5% | 80.0% | 77.0% | 74.8% | 75.4% | 76.4% | 78.8% | 79.9% | 82.7% | 85.4% | 86.0% |
| — | +6.1% | +5.5% | +4.8% | -2.2% | -6.4% | -8.8% | -10.5% | -8.5% | -14.2% | -13.8% | -12.5% | -12.6% | |
| Operating Margin | 41.5% | 40.2% | 43.8% | 42.4% | 39.3% | 37.0% | 38.6% | 39.2% | 41.1% | 40.5% | 44.3% | 47.1% | 38.9% |
| — | +8.8% | +13.5% | +8.3% | -4.4% | -8.8% | -12.8% | -16.9% | +5.6% | -20.3% | -13.9% | -2.4% | -19.1% | |
| Net Margin | 33.3% | 31.2% | 35.2% | 34.4% | 32.3% | 30.7% | 31.0% | 31.4% | 33.1% | 32.6% | 35.0% | 38.0% | 30.9% |
| — | +1.7% | +13.4% | +9.4% | -2.4% | -5.8% | -11.3% | -17.2% | +6.9% | -21.5% | -13.6% | -1.4% | -19.8% |
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 16.9% | 3.9% | 4.5% | 4.4% | 4.1% | 3.9% | 4.2% | 4.3% | 4.3% | 4.3% | 4.8% | 5.1% | 4.0% |
| — | +0.8% | +7.8% | +3.2% | -6.1% | -8.7% | -12.8% | -16.4% | +9.7% | -21.7% | -0.3% | +37.3% | +21.9% | |
| ROA | 2.0% | 0.5% | 0.5% | 0.5% | 0.5% | 0.4% | 0.5% | 0.5% | 0.5% | 0.4% | 0.5% | 0.5% | 0.4% |
| — | +6.1% | +13.7% | +9.8% | -1.9% | -0.9% | -4.4% | -13.2% | +17.5% | -13.5% | +8.7% | +43.1% | +13.4% | |
| ROIC | 9.6% | 2.3% | 2.6% | 2.5% | 2.3% | 2.1% | 2.3% | 2.4% | 2.4% | 2.4% | 2.8% | 3.1% | 2.5% |
| — | +8.6% | +9.8% | +3.9% | -7.9% | -12.8% | -18.0% | -24.1% | -3.4% | -25.5% | +0.5% | +40.1% | +21.5% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
City Holding Company's Debt/EBITDA ratio is 12.7x, up from 11.3x last quarter — elevated, raising questions about debt serviceability. The current ratio has weakened 31.7% YoY to 0.03x, tightening the short-term liquidity position.
| Metric | TTM | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.64 | 0.64 | 0.65 | 0.64 | 0.66 | 0.65 | 0.66 | 0.69 | 0.67 | 0.64 | 0.62 | 0.58 | 0.45 |
| — | -1.8% | -1.6% | -6.9% | -1.3% | +1.4% | +6.3% | +17.8% | +48.0% | +27.6% | +11.6% | -14.0% | -1.3% | |
| Debt / EBITDA | 3.02 | 12.74 | 11.33 | 10.95 | 12.43 | 12.25 | 12.25 | 12.02 | 11.48 | 12.47 | 9.31 | 8.42 | 8.60 |
| — | +4.0% | -7.5% | -8.9% | +8.3% | -1.8% | +31.7% | +42.8% | +33.5% | +74.1% | +17.6% | -32.1% | -6.1% | |
| Current Ratio | 0.03 | 0.03 | 0.19 | 0.19 | 0.20 | 0.05 | 0.06 | 0.31 | 0.31 | 0.29 | 0.28 | 0.32 | 0.33 |
| — | -31.7% | +217.8% | -39.3% | -35.8% | -83.4% | -79.5% | -0.3% | -3.8% | -13.9% | -16.9% | -20.8% | -14.5% | |
| Quick Ratio | 0.03 | 0.03 | 0.19 | 0.19 | 0.20 | 0.05 | 0.06 | 0.31 | 0.31 | 0.29 | 0.28 | 0.32 | 0.33 |
| — | -31.7% | +217.8% | -39.3% | -35.8% | -83.4% | -79.5% | -0.3% | -3.8% | -13.9% | -16.9% | -20.8% | -14.5% | |
| Interest Coverage | 1.92 | 1.95 | 2.09 | 1.93 | 1.71 | 1.48 | 1.65 | 1.70 | 1.91 | 1.98 | 2.59 | 3.34 | 3.79 |
| — | — | — | — | — | — | — | — | — | — | — | — | — |
Includes 30+ ratios · 47 years · Updated daily
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorDCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare business quality, growth, and profitability against top sector peers.
Start ComparisonQuick answers to the most common questions about buying CHCO stock.
City Holding Company's current P/E is 13.7x. The average P/E over the last 4 quarters is 13.5x. Quarterly P/E ratios can vary due to seasonal revenue patterns and one-time charges.
City Holding Company's current operating margin is 41.5%. Margins have been expanding over recent quarters. Quarterly margins are particularly useful for identifying trend inflections that annual data smooths over.
Quarterly financial ratios reveal short-term trend shifts — margin compression, debt spikes, or valuation re-ratings — that annual figures smooth over. They're essential for active investors tracking City Holding Company's business trajectory between earnings reports.