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AGM-A vs CHCO

AGM-A
Federal Agricultural Mortgage Corporation
NEUTRAL
Price
$129.00
Market Cap
$1.79B
Sector
Financial Services
AI Confidence
65%
CHCO
City Holding Company
BULLISH
Price
$124.49
Market Cap
$1.79B
Sector
Financial Services
AI Confidence
60%

Valuation

P/E Ratio
AGM-A
7.35
CHCO
13.94
Forward P/E
AGM-A
--
CHCO
13.27
P/B Ratio
AGM-A
1.2
CHCO
2.21
P/S Ratio
AGM-A
4.73
CHCO
5.66
EV/EBITDA
AGM-A
--
CHCO
--

Profitability

Gross Margin
AGM-A
100.0%
CHCO
0.0%
Operating Margin
AGM-A
70.23%
CHCO
54.61%
Profit Margin
AGM-A
57.15%
CHCO
41.35%
ROE
AGM-A
13.72%
CHCO
16.94%
ROA
AGM-A
0.68%
CHCO
1.98%

Growth

Revenue Growth
AGM-A
11.1%
CHCO
10.8%
Earnings Growth
AGM-A
15.0%
CHCO
12.9%

Financial Health

Debt/Equity
AGM-A
18.56
CHCO
--
Current Ratio
AGM-A
1.6
CHCO
--
Quick Ratio
AGM-A
1.58
CHCO
--

Dividends

Dividend Yield
AGM-A
4.65%
CHCO
2.76%
Payout Ratio
AGM-A
33.62%
CHCO
36.28%

AI Verdict

AGM-A NEUTRAL

The Advanced Deterministic Scorecard shows a Piotroski F-Score of 4/9, indicating stable but not strong financial health, while the absence of an Altman Z-Score prevents a full distress risk assessment. The stock appears undervalued with a current price of $129.00 well below the Graham Number of $206.29 and intrinsic value estimate of $517.43, supported by strong profitability metrics including a 70.23% operating margin and 57.15% profit margin. However, the extremely high debt/equity ratio of 18.56 raises significant leverage concerns, and technical trend is bearish despite a solid 4.65% dividend yield. Mixed signals between value, profitability, and financial risk lead to a neutral overall assessment.

Strengths
High profitability with operating margin of 70.23% and net profit margin of 57.15%
Attractive valuation: P/E of 7.35 vs sector average of 22.56
Current price ($129.00) significantly below Graham Number ($206.29), suggesting deep value
Risks
Very high debt/equity ratio of 18.56, far above sector average of 1.64, indicating extreme leverage risk
Piotroski F-Score of 4/9 suggests only moderate financial health, limiting confidence in stability
Missing Altman Z-Score prevents definitive assessment of bankruptcy risk
CHCO BULLISH

CHCO shows bullish fundamentals based on deterministic rules. Financial strength is stable (F-Score 4/9). Key strengths include strong valuation and growth metrics.

Strengths
Attractive valuation with P/E of 13.9
Strong profitability (41.3% margin)
Strong ROE of 16.9%
Risks
Limited historical data available for full assessment

Compare Another Pair

AGM-A vs CHCO: Head-to-Head Comparison

This page compares Federal Agricultural Mortgage Corporation (AGM-A) and City Holding Company (CHCO) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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