CHCOCITY HOLDING CO
National Commercial Banks
- Revenue
- $74M
- 3.2% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- $2.0B
- Employees
- 934
- $80K revenue each
- Net debt / EBITDA
- —
- −$117M net debt
- AI in 10-K
- 0.4
- mentions per 10K words
Takeover score 2 of 13
Fixable underperformance 0 of 7
- TSR below peersNo—3+ of last 5 years
- High CEO pay despite TSRNo—Median CEO pay ≥ $15M while TSR trails
- Earnings not backed by cashNo101% of net incomeCash flow under 80% of net income
- Dilutive SBCNo5% of revenueOver 10% of revenue
- Payouts exceed cash flowNo71% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyNo2% of assetsOver 40% of assets
- Shareholder dissentNo100% lowest supportAny vote under 80% support
Buyer economics 2 of 4
- Low revenue per employeeNo$80K · 53rd pctBottom quartile of its SIC industry
- Quiet on AIYes0.4 per 10K words · 19th pctBottom quartile of AI mentions in 10-Ks
- Net cashNo—More cash than debt, positive EBITDA
- Buyout-sizedYes$2.0B market capMarket cap $500M–$5B
Catalysts 0 of 2
- Active 13DNo0 filingsActive-intent 13D in 18 months
- Net insider sellingNo−$3M netNet sales over $10M in 12 months
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $65M | $68M | $69M | $72M | $74M | 3.2% |
| Net income | $88M | $102M | $114M | $117M | $130M | 11% |
| Operating cash flow | $102M | $116M | $138M | $132M | $131M | 0.4% |
| Capex | $3M | $2M | $3M | $3M | $3M | 8.1% |
| Stock-based comp | $3M | $3M | $3M | $4M | $3M | 3.9% |
| Buybacks | $59M | $26M | $60M | $18M | $46M | 156% |
| Dividends | $36M | $37M | $40M | $43M | $47M | 8.8% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $262K · 17
- Open-market sells, 12 mo
- $3M · 15
- Net
- −$3M
Pay vs performance
No pay-versus-performance disclosure yet.