City Holding Company (CHCO)
NASDAQ:CHCO
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City Holding Company
(NASDAQ:CHCO)
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Rating:76Outperform
Price Target:
$137.00
â–²(7.98% Upside)
Action:ReiteratedDate:03/27/26
The score is driven primarily by above-average financial quality (strong profitability and cash conversion, with manageable leverage trends). Valuation and shareholder-return actions (dividend and sizable buyback authorization) add support, while technical indicators are mixed and limit near-term momentum confidence.
Positive Factors
Strong profitability & margins
Consistently 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.
Negative Factors
Gradually rising leverage
Leverage 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong profitability & margins
Consistently 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.
Read all positive factors
City Holding Company (CHCO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.82B
Dividend Yield2.65%
Average Volume (3M)98.59K
Price to Earnings (P/E)13.1
Beta (1Y)0.51
Revenue Growth6.09%
EPS Growth11.49%
CountryUS
Employees942
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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 Cap1.20
Enterprise Value/Revenue5.58
Enterprise Value/Gross Profit7.06
Enterprise Value/Ebitda12.77
Forecast
1Y Price Target
$130.00Price Target Upside2.46% Upside
Rating ConsensusHold
Number of Analyst Covering3
EPS Forecast (FY)8.98
Revenue Forecast (FY)$325.76M
City Holding Company Business Overview & Revenue Model
Company Description
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, an...
How the Company Makes Money
CHCO makes money primarily through its banking subsidiary by generating (1) net interest income and (2) noninterest income. Net interest income is earned from the spread between interest collected on loans and other interest-earning assets and the...
City Holding Company Financial Statement Overview
Summary
Income Statement
86
Very Positive
Balance Sheet
73
Positive
Cash Flow
78
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 392.11M | 371.25M | 334.45M | 255.73M | 228.65M |
| Gross Profit | 309.80M | 283.24M | 279.18M | 245.60M | 221.92M |
| EBITDA | 171.23M | 157.72M | 153.83M | 143.11M | 125.81M |
| Net Income | 130.49M | 117.10M | 114.36M | 102.07M | 88.08M |
Balance Sheet | |||||
| Total Assets | 6.72B | 6.46B | 6.17B | 5.88B | 6.00B |
| Cash, Cash Equivalents and Short-Term Investments | 1.66B | 240.80M | 1.49B | 1.71B | 2.04B |
| Total Debt | 517.67M | 475.65M | 434.86M | 290.96M | 312.46M |
| Total Liabilities | 5.91B | 5.73B | 5.49B | 5.30B | 5.32B |
| Stockholders Equity | 809.68M | 730.66M | 677.07M | 577.85M | 681.11M |
Cash Flow | |||||
| Free Cash Flow | 128.45M | 129.19M | 134.62M | 113.68M | 98.95M |
| Operating Cash Flow | 131.37M | 131.90M | 137.58M | 115.82M | 102.27M |
| Investing Cash Flow | -269.92M | -252.26M | 14.68M | -410.45M | -191.17M |
| Financing Cash Flow | 105.08M | 189.48M | -195.98M | -140.00M | 194.87M |
City Holding Company Technical Analysis
Positive
126.88
Price Trends
122.18
Positive
121.97
Positive
122.05
Positive
Market Momentum
1.45
Negative
67.20
Neutral
80.68
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CHCO, the sentiment is Positive. The current price of 126.88 is above the 20-day moving average (MA) of 120.74, above the 50-day MA of 122.18, and above the 200-day MA of 122.05, indicating a bullish trend. The MACD of 1.45 indicates Negative momentum. The RSI at 67.20 is Neutral, neither overbought nor oversold. The STOCH value of 80.68 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CHCO.
City Holding Company Risk Analysis
City Holding Company disclosed 34 risk factors in its most recent earnings report. City Holding Company reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
City Holding Company Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | $2.07B | 11.28 | 22.83% | 0.27% | 7.80% | 19.38% | |
76 Outperform | $1.82B | 13.12 | 16.68% | 2.65% | 6.09% | 11.49% | |
72 Outperform | $1.91B | 11.38 | 10.05% | 3.11% | 3.80% | -6.23% | |
71 Outperform | $1.84B | 9.31 | 15.21% | 2.73% | 3.98% | 6.75% | |
68 Neutral | $1.98B | 13.97 | 7.18% | 6.48% | 15.86% | 16.50% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
CHCO
City Holding Company
126.88
18.58
17.16%
FCF
First Commonwealth
18.73
5.06
37.06%
CASH
Pathward Financial
94.91
25.70
37.13%
NWBI
Northwest Bancshares
13.56
3.22
31.12%
OFG
OFG Bancorp
42.74
8.68
25.47%
City Holding Company Corporate Events
Business Operations and StrategyStock BuybackDividends
City Holding Declares Dividend and New Share Repurchase
Positive
Mar 26, 2026
On March 25, 2026, City Holding Company’s board declared a quarterly cash dividend of $0.87 per common share, payable on April 30, 2026 to shareholders of record as of April 15, 2026, underscoring its continued return of capital to investors...
Business Operations and StrategyFinancial Disclosures
City Holding Highlights Strong Performance at 2026 Investor Forum
Positive
Feb 4, 2026
On February 4–5, 2026, City Holding Company’s Executive Vice President and CFO, David L. Bumgarner, presented the bank’s financial performance and strategic profile to investors at the 2026 Janney CEO Forum in Scottsdale, Arizona...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.