Last 47 quarters of trend data · Financial Services · Banks - Regional
Quarterly valuation ratios — annualised for comparability. YoY Δ shows same-quarter-prior-year change.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| P/E Ratio → | 15.88 | 14.11 | 13.58 | 13.67 | 12.85 | 13.36 | 14.26 | 15.27 | 14.53 | 13.55 | 13.23 | 14.98 | 11.41 | 10.42 | 13.94 | 11.35 | 12.12 | 13.14 | 13.86 | 13.28 | 13.25 |
| — | +5.6% | -4.7% | -10.5% | -11.6% | -1.4% | +7.8% | +1.9% | +27.4% | +30.1% | -5.1% | +32.0% | -5.8% | -20.7% | +0.6% | -14.5% | -8.6% | -1.5% | -15.3% | +6.9% | +15.0% | |
| P/S Ratio | 6.52 | 7.67 | 5.38 | 5.34 | 5.67 | 5.85 | 5.93 | 6.21 | 5.84 | 5.48 | 5.51 | 6.09 | 4.77 | 4.56 | 4.78 | 4.97 | 5.00 | 5.18 | 5.49 | 5.43 | 5.33 |
| — | +31.1% | -9.3% | -14.1% | -2.9% | +6.7% | +7.8% | +2.1% | +22.4% | +20.2% | +15.3% | +22.4% | -4.6% | -12.0% | -13.1% | -8.5% | -6.2% | -5.3% | -9.9% | +8.1% | +23.9% | |
| P/B Ratio | 2.52 | 2.31 | 2.15 | 2.11 | 2.24 | 2.32 | 2.27 | 2.38 | 2.32 | 2.28 | 2.26 | 2.41 | 2.21 | 2.12 | 2.07 | 2.38 | 2.39 | 2.01 | 1.87 | 1.81 | 1.76 |
| — | -0.5% | -5.5% | -11.3% | -3.4% | +1.9% | +0.4% | -1.0% | +4.9% | +7.2% | +9.3% | +1.1% | -7.6% | +5.6% | +11.0% | +31.7% | +36.0% | +19.2% | +0.7% | +15.8% | +32.3% | |
| P/FCF | 15.60 | 14.65 | 11.44 | 12.74 | 12.53 | 15.91 | 13.74 | 13.27 | 11.62 | 14.06 | 12.24 | 12.37 | 9.36 | 12.84 | 8.58 | 10.24 | 9.18 | 18.29 | 10.52 | 10.92 | 9.03 |
| — | -7.9% | -16.8% | -4.0% | +7.8% | +13.2% | +12.3% | +7.3% | +24.2% | +9.5% | +42.5% | +20.8% | +1.9% | -29.8% | -18.4% | -6.2% | +1.6% | +21.1% | -39.8% | -66.6% | -54.1% | |
| EV / EBITDA | 13.61 | 21.03 | 11.96 | 11.81 | 11.38 | 11.68 | 11.43 | 12.83 | 12.00 | 11.55 | 10.60 | 13.69 | 9.94 | 8.44 | 9.82 | 9.03 | 8.56 | 6.91 | 6.91 | 6.76 | 6.51 |
| — | +80.1% | +4.6% | -7.9% | -5.1% | +1.1% | +7.9% | -6.3% | +20.6% | +36.8% | +8.0% | +51.6% | +16.1% | +22.3% | +42.1% | +33.6% | +31.6% | -1.2% | -7.4% | -5.0% | -20.9% | |
| EV / EBIT | 14.33 | 12.86 | 12.30 | 12.54 | 11.89 | 12.69 | 12.40 | 14.44 | 12.90 | 12.53 | 11.46 | 14.00 | 10.70 | 9.18 | 10.94 | 9.79 | 9.48 | 7.88 | 8.19 | 7.67 | 7.35 |
| — | +1.3% | -0.8% | -13.2% | -7.9% | +1.3% | +8.2% | +3.2% | +20.5% | +36.5% | +4.7% | +43.0% | +12.9% | +16.5% | +33.6% | +27.5% | +28.9% | +0.1% | -3.5% | -4.6% | -21.7% |
Quarterly margins and returns. Watch for margin compression across consecutive quarters.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 79.0% | 75.7% | 79.9% | 79.3% | 79.5% | 80.0% | 77.0% | 74.8% | 75.4% | 76.4% | 78.8% | 79.9% | 82.7% | 85.4% | 86.0% | 93.2% | 95.9% | 97.5% | 98.4% | 96.9% | 97.7% |
| — | -5.4% | +3.7% | +6.1% | +5.5% | +4.8% | -2.2% | -6.4% | -8.8% | -10.5% | -8.5% | -14.2% | -13.8% | -12.5% | -12.6% | -3.8% | -1.8% | -1.4% | +3.9% | +5.4% | +9.4% | |
| Operating Margin | 41.5% | 25.6% | 39.9% | 40.2% | 43.8% | 42.4% | 39.3% | 37.0% | 38.6% | 39.2% | 41.1% | 40.5% | 44.3% | 47.1% | 38.9% | 50.8% | 51.4% | 48.3% | 48.0% | 50.6% | 50.0% |
| — | -39.6% | +1.6% | +8.8% | +13.5% | +8.3% | -4.4% | -8.8% | -12.8% | -16.9% | +5.6% | -20.3% | -13.9% | -2.4% | -19.1% | +0.4% | +2.9% | -2.4% | +8.4% | +11.1% | +16.4% | |
| Net Margin | 33.3% | 41.5% | 32.3% | 31.2% | 35.2% | 34.4% | 32.3% | 30.7% | 31.0% | 31.4% | 33.1% | 32.6% | 35.0% | 38.0% | 30.9% | 41.6% | 40.5% | 38.5% | 38.6% | 40.0% | 39.2% |
| — | +20.6% | -0.1% | +1.7% | +13.4% | +9.4% | -2.4% | -5.8% | -11.3% | -17.2% | +6.9% | -21.5% | -13.6% | -1.4% | -19.8% | +4.0% | +3.2% | -2.3% | +8.9% | +5.7% | +14.4% |
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | 16.9% | 4.2% | 4.0% | 3.9% | 4.5% | 4.4% | 4.1% | 3.9% | 4.2% | 4.3% | 4.3% | 4.3% | 4.8% | 5.1% | 4.0% | 5.4% | 4.8% | 3.7% | 3.2% | 3.4% | 3.3% |
| — | -5.4% | -3.0% | +0.8% | +7.8% | +3.2% | -6.1% | -8.7% | -12.8% | -16.4% | +9.7% | -21.7% | -0.3% | +37.3% | +21.9% | +58.2% | +45.0% | +16.0% | +14.2% | +7.9% | +14.0% | |
| ROA | 2.0% | 0.5% | 0.5% | 0.5% | 0.5% | 0.5% | 0.5% | 0.4% | 0.5% | 0.5% | 0.5% | 0.4% | 0.5% | 0.5% | 0.4% | 0.5% | 0.4% | 0.4% | 0.4% | 0.4% | 0.4% |
| — | -2.6% | +1.5% | +6.1% | +13.7% | +9.8% | -1.9% | -0.9% | -4.4% | -13.2% | +17.5% | -13.5% | +8.7% | +43.1% | +13.4% | +32.6% | +17.1% | -1.4% | +4.4% | -0.8% | +5.2% | |
| ROIC | 9.6% | 1.2% | 2.2% | 2.3% | 2.6% | 2.5% | 2.3% | 2.1% | 2.3% | 2.4% | 2.4% | 2.4% | 2.8% | 3.1% | 2.5% | 3.3% | 2.8% | 2.2% | 2.1% | 2.3% | 2.2% |
| — | -52.8% | -1.1% | +8.6% | +9.8% | +3.9% | -7.9% | -12.8% | -18.0% | -24.1% | -3.4% | -25.5% | +0.5% | +40.1% | +21.5% | +44.6% | +28.7% | +7.7% | +12.3% | +10.6% | +13.0% |
Quarterly solvency trend — watch for debt spikes or covenant pressure.
| Metric | TTM | Q2 '26 | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 | Q3 '23 | Q2 '23 | Q1 '23 | Q4 '22 | Q3 '22 | Q2 '22 | Q1 '22 | Q4 '21 | Q3 '21 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.64 | 0.65 | 0.66 | 0.64 | 0.65 | 0.64 | 0.66 | 0.65 | 0.66 | 0.69 | 0.67 | 0.64 | 0.62 | 0.58 | 0.45 | 0.50 | 0.56 | 0.68 | 0.46 | 0.46 | 0.44 |
| — | +1.7% | +0.4% | -1.8% | -1.6% | -6.9% | -1.3% | +1.4% | +6.3% | +17.8% | +48.0% | +27.6% | +11.6% | -14.0% | -1.3% | +9.8% | +26.9% | +51.8% | -0.2% | +8.7% | +8.2% | |
| Debt / EBITDA | 3.02 | 20.88 | 13.00 | 12.00 | 11.33 | 10.95 | 12.43 | 12.25 | 12.25 | 12.02 | 11.48 | 12.47 | 9.31 | 8.42 | 8.60 | 7.16 | 7.92 | 12.40 | 9.15 | 9.29 | 9.09 |
| — | +90.6% | +4.6% | -2.1% | -7.5% | -8.9% | +8.3% | -1.8% | +31.7% | +42.8% | +33.5% | +74.1% | +17.6% | -32.1% | -6.1% | -22.9% | -12.9% | +24.7% | -18.2% | -5.0% | -6.6% | |
| Current Ratio | 0.18 | 0.31 | 0.19 | 0.18 | 0.19 | 0.19 | 0.20 | 0.05 | 0.06 | 0.31 | 0.31 | 0.29 | 0.28 | 0.32 | 0.33 | 0.33 | 0.34 | 0.40 | 0.38 | 0.39 | 0.39 |
| — | +64.4% | -8.0% | +269.1% | +217.8% | -39.3% | -35.8% | -83.4% | -79.5% | -0.3% | -3.8% | -13.9% | -16.9% | -20.8% | -14.5% | -15.0% | -12.3% | +3.7% | -0.1% | +13.0% | +28.9% | |
| Quick Ratio | 0.18 | 0.31 | 0.19 | 0.18 | 0.19 | 0.19 | 0.20 | 0.05 | 0.06 | 0.31 | 0.31 | 0.29 | 0.28 | 0.32 | 0.33 | 0.33 | 0.34 | 0.40 | 0.38 | 0.39 | 0.39 |
| — | +64.4% | -8.0% | +269.1% | +217.8% | -39.3% | -35.8% | -83.4% | -79.5% | -0.3% | -3.8% | -13.9% | -16.9% | -20.8% | -14.5% | -15.0% | -12.3% | +3.7% | -0.1% | +13.0% | +28.9% | |
| Interest Coverage | 1.92 | 2.12 | 2.05 | 1.95 | 2.09 | 1.93 | 1.71 | 1.48 | 1.65 | 1.70 | 1.91 | 1.98 | 2.59 | 3.34 | 3.79 | 8.25 | 17.18 | 19.59 | 16.26 | 16.08 | 13.95 |
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Includes 30+ ratios · 47 years · Updated daily
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Quick answers to the most common questions about buying CHCO stock.
City Holding Company's current P/E is 15.9x. The average P/E over the last 4 quarters is 13.6x. 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 compressing 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.