City Holding Company (CHCO) AI Stock Analysis

• Market Cap: $1.72B
• Dividend Yield: 2.71%
• Average Volume (3M): 50.22K
• Price to Earnings (P/E): 14.6
• Beta (1Y): 0.57
• Revenue Growth: 8.80%
• EPS Growth: 0.22%
• Country: US
• Employees: 942
• Sector: Financial
• Sector Strength: 78
• Industry: Banks - Regional
• EPS (TTM): 2.06
• Shares Outstanding: 14,482,511
• 10 Day Avg. Volume: 59,364
• 30 Day Avg. Volume: 50,220
• PEG Ratio: 0.76
• Price to Book (P/B): 2.03
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 14.24
• Enterprise Value/Market Cap: 0.70
• Enterprise Value/Revenue: 0.83
• Enterprise Value/Gross Profit: 4.17
• Enterprise Value/Ebitda: 1.92
• 1Y Price Target: $125.00
• Price Target Upside: 7.12% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 3

• Rating: 75 Outperform
• Price Target: $131.00 ▲(12.26%Upside)

City Holding Company scores well due to its strong financial health and fair valuation. While technical indicators suggest neutral momentum, the recent dividend announcement supports positive investor sentiment. The company maintains a stable balance sheet and cash flows, with room for improvement in cash management and equity stability.

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, 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.

How the Company Makes Money

City Holding Company generates revenue primarily through its banking subsidiary, City National Bank of West Virginia. The company's key revenue streams include net interest income, which is the difference between interest earned on loans and investments and interest paid on deposits and borrowings. It also earns non-interest income from service charges on deposit accounts, trust and investment management fees, and fees from other financial services. Additionally, the company benefits from strategic partnerships and a stable customer base that contributes to its earnings through a variety of banking products and services.

City Holding Company Financial Statement Overview

Summary

City Holding Company shows a robust financial position with strong equity and cash flow management. Revenue and profit margins have historically grown, although recent data irregularities and potential operational challenges need attention. The zero debt level in the latest year provides stability.

Income Statement

City Holding Company has shown consistent revenue growth over the years, with a notable increase in EBIT, indicating efficient cost management. However, the lack of reported EBITDA for the most recent year and the zero revenue in 2024 suggest data issues or operational challenges that may need to be addressed.

Balance Sheet

The company's balance sheet is strong with zero debt in the latest year, which significantly improves the debt-to-equity ratio. The equity ratio is stable, reflecting a solid financial foundation. However, fluctuations in stockholders' equity and total assets over the years require monitoring.

Cash Flow

Operating cash flow remains positive, indicating good cash generation from core operations. However, free cash flow growth has been inconsistent, and the company's investing and financing cash flows indicate potential volatility in investments and capital structure adjustments.

Breakdown
TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
380.05M	291.75M	286.63M	255.73M	228.65M	231.43M
	Gross Profit
287.81M	285.06M	279.18M	246.08M	221.92M	231.43M
	EBIT
163.10M	144.52M	148.26M	150.27M	111.19M	133.66M
	EBITDA
158.13M	157.72M	153.83M	143.11M	125.81M	121.98M
	Net Income Common Stockholders
117.92M	117.10M	114.36M	102.07M	88.08M	89.59M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
98.84M	1.54B	1.49B	1.71B	2.04B	1.71B
	Total Assets
6.62B	6.46B	6.17B	5.88B	6.00B	5.76B
	Total Debt
497.73M	150.00M	434.86M	290.96M	312.46M	295.96M
	Net Debt
113.02M	250.27M	278.58M	90.96M	-322.17M	-528.66M
	Total Liabilities
5.87B	5.73B	5.49B	5.30B	5.32B	5.06B
	Stockholders Equity
756.34M	730.66M	677.07M	577.85M	681.11M	701.11M
Cash Flow		Free Cash Flow
128.85M	129.19M	134.62M	113.68M	98.95M	84.25M
	Operating Cash Flow
131.21M	131.78M	137.58M	115.82M	102.27M	89.80M
	Investing Cash Flow
-242.48M	-252.15M	14.68M	-410.45M	-191.17M	-285.29M
	Financing Cash Flow
177.33M	189.48M	-195.98M	-140.00M	194.87M	584.01M

City Holding Company Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 116.69
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CHCO, the sentiment is Negative. The current price of 116.69 is below the 20-day moving average (MA) of 118.92, below the 50-day MA of 116.82, and below the 200-day MA of 118.27, indicating a bearish trend. The MACD of -0.07 indicates Positive momentum. The RSI at 44.48 is Neutral, neither overbought nor oversold. The STOCH value of 49.38 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CHCO.

City Holding Company Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OFG	80 Outperform	$1.87B	9.81	15.46%	2.88%	7.72%	6.82%
CHCO	75 Outperform	$1.72B	14.64	16.25%	2.71%	8.80%	0.22%
EFSC	72 Outperform	$1.97B	10.25	10.80%	2.17%	7.26%	9.76%
CASH	71 Outperform	$1.81B	10.05	22.88%	0.26%	3.25%	11.22%
BUSE	71 Outperform	$2.04B	20.79	3.32%	4.39%	1.05%	-45.72%
MBIN	70 Outperform	$1.49B	5.75	14.81%	1.28%	9.73%	-14.72%
Sector *	64 Neutral	$12.93B	9.70	7.85%	78.03%	12.07%	-7.83%

City Holding Company Corporate Events

City Holding Company Declares Dividend Announcement

On May 28, 2025, City Holding Company announced that its Board of Directors declared a dividend of $0.79 per common share. This dividend is for shareholders of record as of July 15, 2025, and will be payable on July 31, 2025. This decision reflects the company’s commitment to returning value to its shareholders.

The most recent analyst rating on (CHCO) stock is a Hold with a $120.00 price target. To see the full list of analyst forecasts on City Holding Company stock, see the CHCO Stock Forecast page.