★
CHCO
City Holding Co · Banking
FCF——
Rev+45.8%A
D/E0.19A-
P/E13.3xB+
PEG0.29A
85Score
$124.641Y Target$143.33Near-term target
5Y Target$200.73Compound horizon
10Y Target$295.06Long-dated conviction
FCF—TTM—
FCF not applicable for this sector (bank / insurer / REIT) or data unavailable
Rev+45.8%TTM YoYA
Revenue +45.8% — hypergrowth, top decile
D/E0.19totalA-
D/E 0.19 — conservative leverage, strong balance sheet · Total D/E computed from balance sheet (short-term + long-term debt + lease obligations) ÷ stockholders equity. More accurate than native field, which often uses long-term debt only.
P/E13.3xB+
P/E 13.3 — at or below S&P median, reasonable
PEG0.29proxyA
PEG 0.29 — exceptional; paying well under fair value for growth · PEG proxy: P/E ÷ revenue growth % (true PEG requires forward EPS estimates, not in Finnhub free tier).
Why now
Banking · market cap $1.8b. 7% off the 52-week high of $133.59. Revenue growing +46% — in hypergrowth territory. PEG 0.29 — paying under fair value for the growth rate.
Moat
Net margin 40% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 17% sits above Buffett's preferred 15% threshold — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Balance-sheet financial — book value, net interest margin, and credit loss provisions are the lever points; a rates regime change or a deterioration in the loan book moves the stock more than EPS does.
Horizon
1-3 yr $143.33 (structural (no analyst coverage)) — fundamentals + valuation re-rating. 5 yr $200.73 at ~10% CAGR — compounding case rests on the competitive position widening. 10 yr $295.06 if current growth sustains into durable earnings power.
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Position sizing · CHCO
Shares to buy
16
Position size
$1,994
4.0% of portfolio
Stop price
$93.48
25% below $124.64
$ at risk
$500.00
1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.