CHCO
City Holding Company
CHCO has slightly lower modeled downside risk, despite its lower overall score.
GS
The Goldman Sachs Group, Inc.
GS has the edge over CHCO overall, supported by stronger fundamentals and stronger valuation.
CHCO Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CHCO's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CHCO.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
CHCO PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 13x | $116 | -18% |
| Fair | 14x | $130 | -8.5% |
| Expensive | 15x | $141 | -1% |
| Forward | 15x | $142 | — |
| Current | 16x | $142 | — |
Historical ranges are pointers, not guarantees.
CHCO has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
CHCO Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect CHCO's earnings to grow and its profitability to improve, with its revenue holding steady.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
GS has the edge over CHCO on the outlook, with more favorable revenue expectations.
CHCO Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $9.53 | +4.2% |
| Q3 2026 | $9.15 | +5.2% |
| Q2 2026 | $9.13 | +9.9% |
| Q1 2026 | $9.07 | +14% |
| Q4 2025 | $8.93 | +13% |
| Q3 2025 | $8.70 | +12% |
| Q2 2025 | $8.31 | +7.2% |
| Q1 2025 | $7.98 | +0.4% |
| Q4 2024 | $7.89 | +3.7% |
CHCO's earnings per share have climbed steadily: $9.15 over the past year, up 5.2% from the year before, and higher year over year for eight quarters in a row.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over CHCO on earnings, with stronger typical year-over-year growth.
CHCO Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $84M | +3.4% |
| Q2 2026 | $81.5M | +4.3% |
| Q1 2026 | $79.2M | +6.3% |
| Q4 2025 | $80.2M | +12% |
| Q3 2025 | $81.3M | +7% |
| Q2 2025 | $78.2M | +6.3% |
| Q1 2025 | $74.6M | +3% |
| Q4 2024 | $71.7M | +4.1% |
CHCO's revenue has grown year over year for nine quarters in a row: $84M last quarter, up 3.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 51% | -2.5 points |
| Q2 2026 | 51% | -2 points |
| Q1 2026 | 50% | 0 points |
| Q4 2025 | 49% | +1.2 points |
| Q3 2025 | 54% | +5.1 points |
| Q2 2025 | 53% | +3.3 points |
| Q1 2025 | 50% | -1.1 points |
| Q4 2024 | 48% | -1.4 points |
CHCO has the edge over GS on profitability, with a higher operating margin.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS's revenue is growing: $18.7B last quarter, up 23% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS's operating margin was 37% last quarter, up 2 points from the same quarter a year ago.
CHCO Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $35.1M | -1.8% |
| Q2 2026 | $31.8M | +14% |
| Q1 2026 | $37.3M | +19% |
| Q4 2025 | $33.6M | +2.4% |
| Q3 2025 | $35.8M | -3.4% |
| Q2 2025 | $27.8M | +0.1% |
| Q1 2025 | $31.3M | -1% |
| Q4 2024 | $32.8M | -0.5% |
CHCO has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
CHCO Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -13K shares |
| 1 year | -2.9% | -414K shares |
| 3 years | -6% | -896K shares |
| 5 years | -8.2% | -1.3M shares |
| Available history | -13% | -2.2M shares |
CHCO has 14M diluted shares, down 2.9% from a year ago, with $55M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $7.3M |
| Q1 2026 | $30.9M |
| Q4 2025 | $16.9M |
| Q3 2025 | — |
| Q2 2025 | $19.4M |
| Q1 2025 | $9.5M |
| Q4 2024 | — |
CHCO spent $55M buying back its own shares over the past year, up 90% from the year before.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over CHCO on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% from the year before.
CHCO Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.7x | Net Cash |
| Q1 2026 | -0.9x | Net Cash |
| Q4 2025 | -0.3x | Net Cash |
| Q3 2025 | -0.5x | Net Cash |
| Q2 2025 | -0.1x | Net Cash |
| Q1 2025 | -1.6x | Net Cash |
| Q4 2024 | -0.5x | Net Cash |
CHCO has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CHCO.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over CHCO on leverage, with a lower net debt burden relative to earnings.
CHCO Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 58.4 | Neutral |
| Stochastic | 38.6 | Neutral |
CHCO's weekly RSI is 58 (neutral) and its Stochastic is 39 (neutral).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
CHCO PE vs Financial Services Sector
| Metric | CHCO | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 19% above |
| PE % | 86 | 63 | 23 pts above |
CHCO is trading at 16x earnings, a 19% premium to the Financial Services sector's median of 13x.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS has the edge over CHCO on valuation relative to its sector.
CHCO Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $141.8 | 0.1% above |
| 20 week MA | $141.8 | 0.1% above |
| 50 week MA | $131.0 | 8.4% above |
| 100 week MA | $125.7 | 13% above |
| 200 week MA | $114.2 | 24% above |
CHCO has the edge over GS on trend strength, trading above more of its moving averages.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% above its 200-week average.
CHCO Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $82.3 | $69.5 | -16% |
| 2021 | $69.5 | $81.2 | +17% |
| 2022 | $81.2 | $93.5 | +15% |
| 2023 | $93.5 | $110.3 | +18% |
| 2024 | $110.3 | $121.1 | +9.8% |
| 2025 | $121.1 | $123.8 | +2.3% |
| 2026 YTD | $123.8 | $142.0 | +15% |
CHCO has the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.