City Holding Company (CHCO)
NASDAQ:CHCO
CHCO Stock Chart & Stats
$122.00
$0.28(0.24%)
At close: 4:00 PM EST
$122.00
$0.28(0.24%)
Day’s Range― - ―
52-Week Range$102.22 - $133.59
Previous CloseN/A
Volume5.26K
Average Volume (3M)98.59K
Market Cap
$1.75B
Enterprise Value$2.12B
Total Cash (Recent Filing)$1.66B
Total Debt (Recent Filing)$517.67M
Price to Earnings (P/E)13.1
Beta0.50
Next Earnings
Apr 28, 2026EPS Estimate
2.15Next Dividend Ex-DateN/A
Dividend Yield2.65%
Share Statistics
EPS (TTM)2.18
Shares Outstanding14,350,422
10 Day Avg. Volume122,435
30 Day Avg. Volume98,592
Financial Highlights & Ratios
PEG Ratio1.01
Price to Book (P/B)2.11
Price to Sales (P/S)4.37
P/FCF Ratio13.33
Enterprise Value/Market Cap1.21
Enterprise Value/Revenue5.40
Enterprise Value/Gross Profit6.83
Enterprise Value/Ebitda12.36
Forecast
1Y Price Target
$130.00Price Target Upside6.56% Upside
Rating ConsensusHold
Number of Analyst Covering3
EPS Forecast (FY)8.94
Revenue Forecast (FY)$325.34M
Bulls Say, Bears Say
Bulls Say
Strong Profitability & MarginsConsistently high net margins in the low-30% range across 2023–2025 indicate durable core profitability. That margin resilience supports mid-teens ROE, funds dividends/buybacks, and provides a buffer against moderate credit or funding stress, underpinning long-term earnings power.
Reliable Cash Generation (FCF ~ Net Income)Free cash flow tracking net income closely implies high earnings quality and internal funding capacity. That reliability enables steady capital returns, supports share repurchases and dividends without heavy reliance on external financing, and underpins strategic flexibility.
Defensive Deposit Franchise & Market ShareA granular, low-cost deposit base and leading local deposit and branch shares give the bank a stable funding advantage. Combined with exceptionally low nonperforming assets and high customer satisfaction, this supports superior NIM stability and competitive lending capacity in core markets.
Bears Say
Gradually Rising LeverageLeverage creeping higher to mid-0.6x reduces capital cushion and increases sensitivity to credit or market stress. While still manageable, rising leverage constrains room for aggressive loan growth or large discretionary capital returns if macro or credit conditions deteriorate.
Growth And Margin CyclicalityHistorical sensitivity of revenue and margins to rate cycles and local conditions creates variability in earnings. This cyclicality complicates forecasting, can pressure capital during downturns, and means sustained outperformance depends on favorable rate/funding dynamics and stable loan demand.
Regional Concentration RiskConcentration in West Virginia and eastern Kentucky limits geographic diversification, exposing results to regional economic shocks (energy, manufacturing, or local employment). Strong local share helps, but limited diversification raises risk versus more geographically diversified peers.
City Holding Company News
CHCO FAQ
What was City Holding Company’s price range in the past 12 months?
City Holding Company lowest stock price was $102.22 and its highest was $133.59 in the past 12 months.
What is City Holding Company’s market cap?
City Holding Company’s market cap is $1.75B.
When is City Holding Company’s upcoming earnings report date?
City Holding Company’s upcoming earnings report date is Apr 28, 2026 which is in 23 days.
How were City Holding Company’s earnings last quarter?
City Holding Company released its earnings results on Jan 21, 2026. The company reported $2.18 earnings per share for the quarter, missing the consensus estimate of $2.262 by -$0.082.
Is City Holding Company overvalued?
According to Wall Street analysts City Holding Company’s price is currently Undervalued.
Does City Holding Company pay dividends?
City Holding Company pays a Quarterly dividend of $0.87 which represents an annual dividend yield of 2.65%. See more information on City Holding Company dividends here
What is City Holding Company’s EPS estimate?
City Holding Company’s EPS estimate is 2.15.
How many shares outstanding does City Holding Company have?
City Holding Company has 14,350,422 shares outstanding.
What happened to City Holding Company’s price movement after its last earnings report?
City Holding Company reported an EPS of $2.18 in its last earnings report, missing expectations of $2.262. Following the earnings report the stock price went up 2.053%.
Which hedge fund is a major shareholder of City Holding Company?
Currently, no hedge funds are holding shares in CHCO
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
City Holding Company Stock Smart Score
Underperform
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Analyst Consensus
Hold
Average Price Target:
$130.00 (6.56% Upside)
$130.00 (6.56% Upside)
Blogger Sentiment
Bearish
CHCO Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 3.1K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $159.8K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bearish
Bullish news 0%
Bearish news 100%
Bearish news 100%
Technicals
SMA
Positive
20 days / 200 days
Momentum
4.32%
12-Months-Change
Fundamentals
Return on Equity
16.68%
Trailing 12-Months
Asset Growth
3.90%
Trailing 12-Months
Company Description
City Holding Company
City Holding Company operates as a holding company for City National Bank of West Virginia that provides various banking, trust and investment management, and other financial solutions in the United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. It also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of residence; first-priority home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts. In addition, the company offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government insured mortgages, secondary marketing, and mortgage servicing. Further, it provides deposit services for commercial customers comprising treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. The company operates through a network of 94 branches and 905 full-time equivalent associates in West Virginia, Virginia, Kentucky, and Ohio. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.
CHCO Stock 12 Month Forecast
Average Price Target
$130.00
▲(6.56% Upside)
Technical Analysis
Ownership Overview
2.06% Insiders
26.66% Mutual Funds
13.74% Other Institutional Investors
27.13% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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