City Holding Company (CHCO) AI Stock Analysis

• Market Cap: $1.88B
• Dividend Yield: 2.43%
• Average Volume (3M): 138.32K
• Price to Earnings (P/E): 16.1
• Beta (1Y): 0.59
• Revenue Growth: 8.28%
• EPS Growth: 6.96%
• Country: US
• Employees: 942
• Sector: Financial
• Sector Strength: 72
• Industry: Banks - Regional
• EPS (TTM): 2.29
• Shares Outstanding: 14,482,511
• 10 Day Avg. Volume: 185,323
• 30 Day Avg. Volume: 138,318
• PEG Ratio: 15.76
• Price to Book (P/B): 2.49
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 14.47
• Enterprise Value/Market Cap: 1.05
• Enterprise Value/Revenue: 1.35
• Enterprise Value/Gross Profit: 6.93
• Enterprise Value/Ebitda: 3.17
• 1Y Price Target: $136.00
• Price Target Upside: 4.62% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 2

• Rating: 76 Outperform
• Price Target: $151.00 ▲(16.15%Upside)

The stock score of 76.2 reflects strong financial performance, especially in terms of revenue growth and profitability. Technical analysis shows bullish momentum, though caution is warranted due to overbought signals. Valuation is fair, supported by a reasonable P/E ratio and a decent dividend yield. The dividend announcement adds positive sentiment, although the analyst rating tempers expectations.

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 exhibits strong financial health with notable revenue growth of 30.2% and robust profitability. The balance sheet is stable with a moderate debt-to-equity ratio, and cash flow performance is solid, though there is slight room for improvement in free cash flow growth.

Income Statement

City Holding Company demonstrates strong profitability with a consistent gross profit margin and improving net profit margin. The TTM (Trailing-Twelve-Months) period shows a substantial revenue growth rate of 30.2% compared to the previous year, indicating strong top-line expansion. EBIT and EBITDA margins remain robust, reflecting efficient operations.

Balance Sheet

The balance sheet is stable with a moderate debt-to-equity ratio of 0.66, suggesting reasonable leverage. The return on equity has improved to 15.6%, showcasing effective use of equity capital. However, the equity ratio of 11.4% could be strengthened to ensure greater financial stability and reduce potential risks.

Cash Flow

Cash flow performance is solid, with a consistent free cash flow generation. The free cash flow to net income ratio of 1.09 indicates efficient conversion of income into cash. Operating cash flow to net income ratio is well-aligned, supporting operational strength. However, free cash flow growth was slightly negative compared to the previous year, reflecting potential areas for improvement in cash management.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	371.25M	334.45M	255.73M	228.65M	255.05M
Gross Profit	283.24M	279.18M	245.60M	221.92M	220.71M
EBITDA	157.72M	153.83M	143.11M	125.81M	121.98M
Net Income	117.10M	114.36M	102.07M	88.08M	89.59M
Balance Sheet
Total Assets	6.46B	6.17B	5.88B	6.00B	5.76B
Cash, Cash Equivalents and Short-Term Investments	240.80M	1.49B	1.71B	2.04B	1.71B
Total Debt	475.65M	434.86M	290.96M	312.46M	295.96M
Total Liabilities	5.73B	5.49B	5.30B	5.32B	5.06B
Stockholders Equity	730.66M	677.07M	577.85M	681.11M	701.11M
Cash Flow
Free Cash Flow	129.19M	134.62M	113.68M	98.95M	84.25M
Operating Cash Flow	131.90M	137.58M	115.82M	102.27M	89.80M
Investing Cash Flow	-252.26M	14.68M	-410.45M	-191.17M	-285.29M
Financing Cash Flow	189.48M	-195.98M	-140.00M	194.87M	584.01M

City Holding Company Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 130.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Neutral

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 130 is above the 20-day moving average (MA) of 125.04, above the 50-day MA of 120.96, and above the 200-day MA of 118.70, indicating a bullish trend. The MACD of 2.30 indicates Negative momentum. The RSI at 72.21 is Negative, neither overbought nor oversold. The STOCH value of 75.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CHCO.

City Holding Company Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EFSC	82 Outperform	$2.13B	11.30	10.80%	2.03%	7.26%	9.76%
OFG	80 Outperform	$2.00B	10.49	15.20%	2.56%	4.15%	4.39%
CHCO	76 Outperform	$1.88B	16.10	16.70%	2.43%	8.28%	6.96%
CASH	76 Outperform	$1.91B	10.90	22.88%	0.25%	3.25%	11.22%
MBIN	76 Outperform	$1.58B	6.53	14.81%	1.10%	9.73%	-14.72%
BUSE	74 Outperform	$2.12B	21.15	4.14%	4.24%	27.73%	-41.87%
Sector *	68 Neutral	$17.10B	11.44	9.70%	3.58%	11.11%	-4.78%

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.