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AGM vs CHCO

AGM
Federal Agricultural Mortgage Corporation
NEUTRAL
Price
$171.22
Market Cap
$1.87B
Sector
Financial Services
AI Confidence
68%
CHCO
City Holding Company
BULLISH
Price
$124.49
Market Cap
$1.79B
Sector
Financial Services
AI Confidence
60%

Valuation

P/E Ratio
AGM
10.02
CHCO
13.94
Forward P/E
AGM
8.9
CHCO
13.27
P/B Ratio
AGM
1.59
CHCO
2.21
P/S Ratio
AGM
4.94
CHCO
5.66
EV/EBITDA
AGM
--
CHCO
--

Profitability

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

Growth

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

Financial Health

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

Dividends

Dividend Yield
AGM
3.41%
CHCO
2.76%
Payout Ratio
AGM
33.62%
CHCO
36.28%

AI Verdict

AGM NEUTRAL

The Advanced Deterministic Scorecard reveals a mixed financial profile: the Piotroski F-Score of 4/9 indicates borderline stability, while the absence of an Altman Z-Score prevents a clear distress risk assessment. Despite strong profitability metrics—such as a 70.23% operating margin and 57.15% profit margin—the extremely high debt/equity ratio of 18.56 raises significant leverage concerns. The stock trades below the growth-based intrinsic value of $504.15 but above the defensive Graham Number of $203.62, suggesting overvaluation for conservative investors. Earnings growth and a solid dividend yield provide support, but weak technical trend and negative insider sentiment counterbalance these positives.

Strengths
High profitability with 70.23% operating margin and 57.15% profit margin
Strong year-over-year earnings growth of 15.00% and revenue growth of 11.10%
Attractive dividend yield of 3.41% with a sustainable 33.62% payout ratio
Risks
Piotroski F-Score of 4/9 indicates weak financial health and limited resilience
Extremely high debt/equity ratio of 18.56, far above sector average of 1.64
Bearish technical trend (0/100) and declining price performance over 1Y (-9.9%)
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 vs CHCO: Head-to-Head Comparison

This page compares Federal Agricultural Mortgage Corporation (AGM) 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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