City Holding Company stock analysis
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City Holding Company (CHCO) Stock Price & Analysis
CHCO Stock Chart & Stats
- Day’s Range
- $141.49 - $142.59
- 52-Week Range
- $113.21 - $148.99
- Previous Close
- $142.59
- Volume
- N/A
- Average Volume (3M)
- 117.30K
- Market Cap
- $2.01B
- Enterprise Value
- $2.34B
- Total Cash (Recent Filing)
- $1.69B
- Total Debt (Recent Filing)
- $517.38M
- Price to Earnings (P/E)
- 15.5
- Beta
- 0.33
- Next Earnings
- Jan 26, 2027 (Est.)
- EPS Estimate
- 2.3
- Last Dividend Ex-Date
- Oct 15, 2026
- Dividend Yield
- 2.53%
Bulls Say, Bears Say
Bulls Say
Strong Profitability
City Holding’s high net and operating margins indicate strong core earnings power and disciplined expense management. Consistently strong returns on equity also suggest that management is deploying capital effectively, supporting internally funded growth and resilience across the next several quarters.
Manageable Leverage
Manageable leverage gives the company a comparatively solid capital foundation for a regional bank and helps preserve financial flexibility. Strong, recurring returns on equity indicate productive balance-sheet use, while stable debt levels reduce the risk of rapid deterioration in funding capacity.
Solid Cash Conversion
Free cash flow that closely tracks net income indicates that reported earnings are converting into cash rather than remaining largely non-cash. Positive and generally steady cash generation supports capital needs, dividends, and other shareholder returns, subject to the recent growth slowdown.
Bears Say
Weak Free Cash Flow Momentum
The sharp decline in trailing free cash flow signals weaker recent cash-generation momentum even though absolute conversion remains solid. If sustained, this could make capital returns less predictable, reduce flexibility for reinvestment, and increase sensitivity to changes in banking conditions.
Reduced Equity Cushion
A decline in equity without a corresponding reduction in debt slightly weakens the balance-sheet cushion supporting the business. This creates less room to absorb credit deterioration or higher funding costs, making capital strength and leverage trends important to monitor over coming quarters.
Inconsistent Growth And Margins
Uneven revenue growth and margin normalization make future earnings progression less predictable than the current profitability level suggests. The combination of a sharp prior slowdown, unusually high TTM growth, and lower margins raises questions about how consistently the bank can sustain recent earnings momentum.
City Holding Company News
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City Holding Company Stock Smart Score
Company Description
City Holding Company
City Holding Company operates as the parent entity for City National Bank of West Virginia, offering a broad spectrum of financial services including banking, wealth management, and investment solutions throughout the United States. Its product suite features various deposit accounts like checking, savings, money market, certificates of deposit, and individual retirement accounts. The company provides an extensive range of loan products, such as commercial and industrial financing primarily for small to mid-sized enterprises, commercial real estate loans secured by non-residential and multi-family properties, residential real estate loans for home purchases or refinancing, and first-priority home equity loans. Consumer loans are also available, which can be secured by assets like vehicles, boats, recreational vehicles, or CDs, or remain unsecured; the company also covers demand deposit account overdrafts. Its mortgage banking division handles fixed and adjustable-rate mortgages, construction financing, land acquisition loans, and the origination of conventional and government-insured mortgages, supported by secondary market operations and mortgage servicing. For business clients, services include treasury management, lockbox facilities, and other cash management tools, as well as merchant credit card processing. The wealth management segment delivers trust administration, investment, and custodial services to both corporate and individual clients, encompassing corporate trust, institutional custody, financial and estate planning, and retirement plan services. Additionally, it offers modern banking access via ATMs, interactive teller machines (ITMs), mobile banking, interactive voice response (IVR) systems, and various credit and debit card services. The company maintains a presence with 94 branches and approximately 905 full-time equivalent employees across West Virginia, Virginia, Kentucky, and Ohio. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Charles R. Hageboeck
- Employees
- 934
- Website
- www.bankatcity.com
- Address
- 25 Gatewater Road, Charleston, WV, 25313, US
City Holding Company (CHCO) Earnings & Revenues
CHCO Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 12 | 5 | 5 |
| Technical Analysis | 4 | 5 | 1 |
| Moving Averages | 8 | 0 | 4 |













