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City Holding Company (CHCO) vs German American Bancorp, Inc. (GABC)

City Holding Company and German American Bancorp, Inc. are both Banks Regional companies. City Holding Company and German American Bancorp, Inc. are of similar size ($2.0B and $1.9B). German American Bancorp, Inc. trades at the lower P/E: 13.2× against 15.5×. German American Bancorp, Inc. grew revenue faster over the last twelve months: 21.7% against 3.37%. City Holding Company has the higher net margin (32.8% vs 28.2%) and the higher return on invested capital (14.8% vs 8.62%). Both pay a dividend; City Holding Company yields more (2.55% vs 2.44%). Across the 19 metrics below, German American Bancorp, Inc. leads on 12 and City Holding Company on 7.

Valuation

Metric CHCO GABC Banks Regional median
P/E 15.50 13.17 11.98
P/S 4.95 3.73 2.34
P/B 2.46 1.55 1.19
Price to free cash flow 14.24 10.26 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 6.45% 7.59% 8.23%
Free cash flow yield 7.02% 9.74% 9.08%

Profitability

Metric CHCO GABC Banks Regional median
Gross margin 80.00% 76.77% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 32.75% 28.24% 18.66%
Free cash flow margin 34.74% 36.33% 21.11%
Return on equity 16.76% 12.46% 10.65%
Return on assets 1.97% 1.70% 1.13%
Return on invested capital 14.81% 8.62% 8.35%

Growth

Metric CHCO GABC Banks Regional median
Revenue growth (TTM) 3.37% 21.70% 6.98%
EPS growth (last fiscal year) 13.18% 8.13% 18.88%
Revenue growth, 5-year CAGR 8.86% 16.32% 12.38%
Net income growth, 5-year CAGR 7.81% 12.61% 9.71%

Health

Metric CHCO GABC Banks Regional median
Debt to equity 0.19 0.14 0.22
Current ratio 0.83 0.86 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CHCO GABC Banks Regional median
Dividend yield 2.55% 2.44% 2.57%
Payout ratio 0.40 0.32 0.30

Size

Metric CHCO GABC Banks Regional median
Market cap 1.98b 1.86b 913.33m

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