City Holding Company [CHCO] vs U.S. Bancorp [USB] Detailed Stock Comparison
TLDR: Quick Comparison Summary
Based on 19 vital metrics comparison: City Holding Company wins in 8 metrics, U.S. Bancorp wins in 10 metrics, with 0 ties. U.S. Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | City Holding Company | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 13.96 | 11.92 | U.S. Bancorp |
| Price-to-Book Ratio | 2.28 | 1.51 | U.S. Bancorp |
| Debt-to-Equity Ratio | 0.65 | 1.21 | City Holding Company |
| PEG Ratio | 1.13 | 0.82 | U.S. Bancorp |
| Profit Margin (TTM) | 41.26% | 29.29% | City Holding Company |
| Operating Margin (TTM) | 50.95% | 37.84% | City Holding Company |
| EBITDA Margin (TTM) | 50.95% | 37.84% | City Holding Company |
| Return on Equity | 17.01% | 12.35% | City Holding Company |
| Return on Assets (TTM) | 1.97% | 1.14% | City Holding Company |
| Free Cash Flow (TTM) | $128.45M | $7.97B | U.S. Bancorp |
| Dividend Yield | 3.27% | 3.82% | U.S. Bancorp |
| 1-Year Return | 5.45% | 25.83% | U.S. Bancorp |
| Price-to-Sales Ratio (TTM) | 5.69 | 3.32 | U.S. Bancorp |
| Enterprise Value | $2.03B | $126.46B | U.S. Bancorp |
| EV/Revenue Ratio | 6.36 | 4.75 | U.S. Bancorp |
| Revenue per Share (TTM) | $22 | $17 | City Holding Company |
| Earnings per Share (Diluted) | $9.07 | $4.77 | City Holding Company |
| Beta (Stock Volatility) | N/A | 1.03 | N/A |
| Short % of Float | 9.96% | 0.00% | U.S. Bancorp |
City Holding Company vs U.S. Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| City Holding Company | -1.47% | 0.11% | 2.43% | 3.65% | 3.38% | 4.57% |
| U.S. Bancorp | -2.67% | -1.12% | -1.16% | -0.05% | 9.90% | 1.24% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| City Holding Company | 5.45% | 33.57% | 56.11% | 153.54% | 301.91% | 239.18% |
| U.S. Bancorp | 25.83% | 72.81% | -9.74% | 29.45% | 123.42% | 73.14% |
Performance & Financial Health Analysis: City Holding Company vs U.S. Bancorp
| Metric | CHCO | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $1.79B | $88.06B |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 100,169 | 9,829,002 |
| 90 Day Avg. Volume | 141,310 | 10,401,007 |
| Last Close | $123.53 | $53.14 |
| 52 Week Range | $113.21 - $133.59 | $42.55 - $61.19 |
| % from 52W High | -7.53% | -13.16% |
| All-Time High | $137.28 (Nov 25, 2024) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -10.02% | -16.41% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.06% | 0.05% |
| Quarterly Earnings Growth | 0.05% | 0.14% |
| Financial Health | ||
| Profit Margin (TTM) | 0.41% | 0.29% |
| Operating Margin (TTM) | 0.51% | 0.38% |
| Return on Equity (TTM) | 0.17% | 0.12% |
| Debt to Equity (MRQ) | 0.65 | 1.21 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $55.67 | $37.54 |
| Cash per Share (MRQ) | $20.95 | $31.14 |
| Operating Cash Flow (TTM) | $132.26M | $6.04B |
| Levered Free Cash Flow (TTM) | $129.33M | $7.19B |
| Dividends | ||
| Last 12-Month Dividend Yield | 3.27% | 3.82% |
| Last 12-Month Dividend | $4.11 | $2.04 |
Valuation & Enterprise Metrics Analysis: City Holding Company vs U.S. Bancorp
| Metric | CHCO (Apr 26, 2026) | USB (Apr 24, 2026) |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 13.96 | 11.92 |
| Forward P/E | 13.49 | 10.09 |
| PEG Ratio | 1.13 | 0.82 |
| Price to Sales (TTM) | 5.69 | 3.32 |
| Price to Book (MRQ) | 2.28 | 1.51 |
| Market Capitalization | ||
| Market Capitalization | $1.79B | $88.06B |
| Enterprise Value | $2.03B | $126.46B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 6.36 | 4.75 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | N/A | 1.03 |
| Book Value per Share (MRQ) | $55.67 | $37.54 |
Financial Statements Comparison: City Holding Company vs U.S. Bancorp
Financial Metrics
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Revenue
Operating Margin
Profit Margin
Long Term Debt
Income Flow Analysis
Financial Statements Comparison
Income Statement
| Metric | CHCO (2025) | USB (2025) |
|---|---|---|
| Revenue/Sales | 305.18M | 28.54B |
| Cost of Goods Sold | N/A | N/A |
| COGS % of Revenue | 0.0% | 0.0% |
| Gross Profit | N/A | N/A |
| Gross Margin | 0.0% | 0.0% |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| Operating Margin | 0.0% | 0.0% |
| EBITDA | N/A | N/A |
| EBITDA Margin | 0.0% | 0.0% |
| Pre-Tax Income | 161.47M | 9.52B |
| Pre-Tax Income % of Revenue | 52.9% | 33.3% |
| Income Tax | 30.98M | 1.92B |
| Income Tax % of Revenue | 10.2% | 6.7% |
| Net Income (Profit) | 130.49M | 7.60B |
| Profit Margin | 42.8% | 26.6% |
Balance Sheet & Liquidity Metrics
| Metric | CHCO (2025) | USB (2025) |
|---|---|---|
| Cash & Equivalents | 191.92M | 46.89B |
| Total Current Assets | N/A | N/A |
| Total Current Assets % of Revenue | 0.0% | 0.0% |
| Total Current Liabilities | N/A | N/A |
| Total Current Liabilities % of Revenue | 0.0% | 0.0% |
| Long-Term Debt | 150.00M | 60.76B |
| Long-Term Debt % of Revenue | 49.2% | 212.9% |
| Total Shareholders Equity | 809.68M | 65.65B |
| Retained Earnings | 935.05M | 80.91B |
| Retained Earnings % of Revenue | 306.4% | 283.5% |
| Property, Plant & Equipment | N/A | 1.51B |
Cash Flow Statement Comparison
| Metric | CHCO (2025) | USB (2025) |
|---|---|---|
| Operating Cash Flow | 132.26M | 6.04B |
| Operating Cash Flow % of Revenue | 43.3% | 21.2% |
| Capital Expenditures | -2.88M | N/A |
| Free Cash Flow | 128.45M | 7.97B |
| FCF Margin | 42.1% | 27.9% |
| Debt Repayment | N/A | -9.05B |
| Common Stock Repurchase | -45.76M | -489.00M |
Short Interest & Institutional Ownership Analysis
| Metric | CHCO | USB |
|---|---|---|
| Shares Short | 996,470 | 27,002 |
| Short Ratio | 6.82 | 0.00 |
| Short % of Float | 9.96% | 0.00% |
| Shares Outstanding | 14.35M | 1.56B |
| Float Shares | 14.01M | 1.55B |
| % Held by Insiders | 4.30% | 0.14% |
| % Held by Institutions | 72.00% | 83.55% |
| % Held by Public | 23.70% | 16.31% |
Dividend Analysis & Yield Comparison: City Holding Company vs U.S. Bancorp
| Metric | CHCO | USB |
|---|---|---|
| Last 12-Month Dividend | $4.11 | $2.04 |
| Last 12-Month Dividend Yield | 3.27% | 3.82% |
| 3-Year Avg Annual Dividend | $3.23 | $1.98 |
| 3-Year Avg Dividend Yield | 0.69% | 1.19% |
| 3-Year Total Dividends | $9.69 | $5.95 |
| Ex-Dividend Date | Jan 15, 2026 | Dec 31, 2025 |