City Holding Company
S&P 600
$143.96
+0.22%
Delayed · cached 15 min
Fair value analysis
CHCO
City Holding Company
$143.96
Close used for this calculation
$157.87Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
67/100
Quality radar
Consensus fair value
$157.87
Near FV▲ +9.7% against the close used
Model range $82.42 – $179.58
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.
Price target range & 52-week position
Bear$82.42Fair value$157.87Bull$179.58
FairClose
52-week traded range
52W low $116.6252W high $147.98
The 52-week range is measured from the stored price history, not estimated.
Valuation summary
Trading close to the consensus fair value
City Holding Company closed at $143.96, 8.8% below the consensus fair value of $157.87 drawn from 9 valuation models.
Financial DNA score 67/100 — Strong. P/E of 16.1x against the 20x sector multiple the P/E model uses.
Quantitative summary only — not investment advice.
All valuation models
DCF Valuation
$174.48
+21.2%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=9%, r=10%, tg=3%, n=10yr
Graham Number
$107.56
-25.3%
√(22.5 × EPS × BVPS)
EPS=8.93, BVPS=57.58 · outside Graham range (P/E 16.1, P/B 2.5) — asset-light, treat as a rough floor
P/E Fair Value
$178.60
+24.1%
EPS × 20x (sector P/E)
EPS=8.93, Sector P/E=20x
Peter Lynch (PEG)
$82.42
-42.7%
EPS × Growth% (PEG = 1 is fair)
EPS=8.93, g=9.2%
EV/EBITDA
$165.79
+15.2%
(EBITDA × 14.6x − Net Debt) ÷ Shares
EBITDA=165.75M
Dividend Discount (DDM)
$179.58
+24.7%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=3.33, r=10%, g=8%
Book Value (P/B)
$145.83
+1.3%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=57.58, ROE=16.1%, g=6%, r=10%
Reverse DCF
$143.96
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 4.2% | Historical: 9.2%
Margin of Safety
$115.16
-20.0%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=153.55, MoS=25%
Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.
Educational data only. Not a recommendation to buy, sell or hold any security.