City Holding Company — Earnings Quality Grade A
CHCO · Financial Services
Strong financial health
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 25 days, change -2 days YoY
AR growth 0.3% vs revenue growth 7.1%
Revenue 7.1%, CFFO -0.4%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 8.1% vs revenue 7.1%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.01. Profits backed by cash
FCF $0.1B, FCF/NI = 0.98
Accruals ratio = -0.0%. Low accruals
Cash $0.2B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.2B = 19% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -1% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
City Holding Company is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25