| Company Name: | City Holding Company | | Ticker Symbol: | CHCO | | | WWW Address: | www.cityholding.com | | CEO: | Charles R. Hageboeck | | No. of Employees: | 811 | | Common Issue Type: | CS | | Business Description: | A bank holding company which provides credit, deposit, trust and investment management, and insurance products and services.
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| | | Industry Information: | BANKING - Regional - Mid-Atlantic Banks [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 33.04 |  0.21 | 32.56 | 33.93 | 32.95 | 33.35 | 32.51 | 198260 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 525.3 | 15.9 | 0.48 | 1.74 | 1.33 | 14.6 | 4.1 | 35.13 - 20.49 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 33.04 | $ | | PE Ratio - LTM | 14.6 | |
| Market Capitalisation | 525.2 | mil |
| Latest Shares Outstanding | 15.9 | mil |
| Earnings pS (EPS) | 1.74 | $ |
| Dividend pS (DPS) | 1.33 | ¢ |
| Dividend Yield | 4.1 | % |
| Dividend Payout Ratio | 76 | % |
| Revenue per Employee | 209,136 | $ |
| Effective Tax Rate | 25.2 | % |
| Float | 15.5 | mil |
| Float as % of Shares Outstanding | 97.0 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 52.3 | % |
| Pre-Tax Profit Margin | 29.9 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 1.4 | % |
| Return on Equity (ROE) | 11.9 | % |
| Return on Capital Invested (ROCI) | 11.2 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 8.6 | |
| Interest Cover | 2.4 | |
| Total Debt/Equity (Gearing Ratio) | 0.49 | |
| LT Debt/Total Capital | 6.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 18.96 | $ |
| Tangible Book-Value pS | 15.37 | $ |
| Cash Flow pS | 2.25 | $ |
| Free Cash Flow pS | 0.06 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 1.74 | |
| Price/Tangible Book Ratio | 2.15 | |
| Price/Cash Flow | 14.7 | |
| Price/Free Cash Flow | 525.7 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 10/05/2009 |
| Dividend Ex-Date | 10/12/2009 |
| Dividend Record Date | 10/14/2009 |
| Dividend Pay Date | 10/30/2009 |
| Dividend Amount | 340 |
| Type of Payment | Cash Payment |
| Dividend Rate | 1.36 |
| Current Dividend Yield | 4.1 |
| 5-Y Average Dividend Yield | 3.1 |
| Payout Ratio | 76.0 |
| 5-Y Average Payout Ratio | 44.0 |
|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 1.8 | 100 | 1,161 | 3,930 |
| 4 Weeks | 33.48 | 29.55 | 30.57 | 8.1 | 101 | 919 | 15,617 |
| 13 Weeks | 33.48 | 28.66 | 31.88 | 3.6 | 96 | 735 | 44,826 |
| 26 Weeks | 35.09 | 28.22 | 31.74 | 4.1 | 86 | 720 | 89,983 |
| 52 Weeks | 35.13 | 20.49 | 35.42 | -6.7 | 76 | 827 | 205,912 |
| YTD | 35.09 | 20.49 | - | -5.0 | 78 | 773 | 175,563 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 32.47 | 31.49 | 30.35 | 31.17 | 30.03 | 0.48 | 0.47 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 1.28 | 4.6 | -6.20 |
| Income | -6.19 | 33.4 | -12.55 |
| Dividend | 9.99 | 97.3 | 7.75 |
| Capital Spending | 41.59 | NA | 4.18 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | -4.11 | NA | -12.12 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 7.3 | 89.3 | -20.5 |
| Earnings % | 32.3 | 0.0 | -44.9 |
| EPS % | 34.7 | 0.0 | -42.2 |
| EPS $ | 0.51 | 0.82 | -1.27 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 15.52 |
| Free Cash Flow Margin 5YEAR AVG | 18.98 |
| Cash-Flow pS | 3.39 |
| Free Cash-Flow pS | 1.44 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 9.21 |
| Debt Ratio | 89.14 |
| Total Debt/Equity (Gearing Ratio) | 0.76 |
| LT Debt/Equity | 0.07 |
| LT Debt/Capital Invested | 6.36 |
| LT Debt/Total Liabilities | 0.83 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 1.53 |
| Tobin's Q Ratio | 0.21 |
| Current P/E Ratio - LTM | 14.60 |
| Enterprise Value (EV)/EBITDA | 0.07 |
| Enterprise Value (EV)/Free Cash Flow | 5.00 |
| Dividend Yield | 4.1 |
| Price/Tangible Book Ratio - LTM | 2.15 |
| Price/Book Ratio - LTM | 1.74 |
| Price/Cash Flow Ratio | 14.7 |
| Price/Free Cash Flow Ratio - LTM | 525.7 |
| P/E Ratio (1 month ago) - LTM | 13.4 |
| P/E Ratio (26 weeks ago) - LTM | 19.5 |
| P/E Ratio (52 weeks ago) - LTM | 15.8 |
| 5-Y High P/E Ratio | 31.2 |
| 5-Y Low P/E Ratio | 9.7 |
| 5-Y Average P/E Ratio | 14.1 |
| Current P/E Ratio as % of 5-Y Average P/E | 103 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 14.1 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 15.37 |
| Book Value pS - LTM | 18.96 |
| Capital Invested pS | 18.84 |
| Cash Flow pS - LTM | 2.25 |
| Free Cash Flow pS - LTM | 0.06 |
| Earnings pS (EPS) | 1.74 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 10.02 |
| Return on Equity (ROE) - 5YEAR AVRG. | 16.5 |
| Return on Capital Invested (ROCI) | 9.39 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 13.4 |
| Return on Assets (ROA) | 1.09 |
| Return on Assets (ROA) - 5YEAR AVRG. | 1.9 |
| EBIT Margin - LTM | 51.7 |
| EBITDA Margin - LTM | 52.3 |
| Pre-Tax Profit Margin | 38.13 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 70.44 |
| Net Profit Margin | 27.62 |
| Net Profit Margin - 5YEAR AVRG. | 47.44 |
| Effective Tax Rate | 24.45 |
| Effective Tax Rate - 5YEAR AVRG. | 32.79 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 220,781 |
| Net Income per Employee - LTM | 44,163 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 2,533.40 |
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