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City Holding Company (CHCO)
NASDAQ:CHCO
US Market

City Holding Company (CHCO) AI Stock Analysis

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City Holding Company

(NASDAQ:CHCO)

Rating:75Outperform
Price Target:
$131.00
â–²(2.87%Upside)
City Holding Company's strong financial performance and reasonable valuation underpin its attractiveness. Technical indicators suggest cautious optimism, while the recent dividend announcement further boosts investor confidence. The absence of earnings call data limits insights into future expectations.

City Holding Company (CHCO) vs. SPDR S&P 500 ETF (SPY)

City Holding Company Business Overview & Revenue Model

Company DescriptionCity 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 MoneyCity 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 and profitability. The company maintains a stable balance sheet with manageable leverage and effective use of equity. Cash flows are healthy, albeit with slight room for improvement in free cash flow growth.
Income Statement
85
Very Positive
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
78
Positive
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
82
Very Positive
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.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue375.98M371.25M334.45M255.73M228.65M255.05M
Gross Profit285.36M283.24M279.18M245.60M221.92M220.71M
EBITDA158.13M157.72M153.83M143.11M125.81M121.98M
Net Income117.92M117.10M114.36M102.07M88.08M89.59M
Balance Sheet
Total Assets6.62B6.46B6.17B5.88B6.00B5.76B
Cash, Cash Equivalents and Short-Term Investments1.11B240.80M1.49B1.71B2.04B1.71B
Total Debt497.73M475.65M434.86M290.96M312.46M295.96M
Total Liabilities5.87B5.73B5.49B5.30B5.32B5.06B
Stockholders Equity756.34M730.66M677.07M577.85M681.11M701.11M
Cash Flow
Free Cash Flow128.85M129.19M134.62M113.68M98.95M84.25M
Operating Cash Flow131.24M131.90M137.58M115.82M102.27M89.80M
Investing Cash Flow-242.55M-252.26M14.68M-410.45M-191.17M-285.29M
Financing Cash Flow177.33M189.48M-195.98M-140.00M194.87M584.01M

City Holding Company Technical Analysis

Technical Analysis Sentiment
Positive
Last Price127.35
Price Trends
50DMA
119.04
Positive
100DMA
117.32
Positive
200DMA
118.64
Positive
Market Momentum
MACD
1.75
Negative
RSI
72.18
Negative
STOCH
90.20
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 127.35 is above the 20-day moving average (MA) of 119.42, above the 50-day MA of 119.04, and above the 200-day MA of 118.64, indicating a bullish trend. The MACD of 1.75 indicates Negative momentum. The RSI at 72.18 is Negative, neither overbought nor oversold. The STOCH value of 90.20 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

Overall Rating
UnderperformOutperform
Sector (62)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
77
Outperform
$2.07B10.9910.80%2.14%7.26%9.76%
76
Outperform
$1.94B11.0222.88%0.24%3.25%11.22%
OFOFG
76
Outperform
$1.97B10.4915.46%2.74%7.61%6.82%
75
Outperform
$1.83B15.8116.25%2.51%8.80%0.22%
73
Outperform
$2.14B22.283.32%4.18%11.25%-45.72%
68
Neutral
$1.58B6.3514.81%1.14%9.73%-14.72%
62
Neutral
AU$10.00B7.9510.79%5.23%32.02%38.31%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
CHCO
City Holding Company
127.35
25.60
25.16%
EFSC
Enterprise Financial Services
56.52
18.39
48.23%
BUSE
First Busey
24.04
1.46
6.47%
CASH
Meta Financial Group
82.58
26.23
46.55%
OFG
OFG Bancorp
44.40
8.57
23.92%
MBIN
Merchants Bancorp
35.24
-4.72
-11.81%

City Holding Company Corporate Events

Dividends
City Holding Company Declares Dividend Announcement
Positive
May 28, 2025

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.

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.Date of analysis: Jun 24, 2025