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CHCO Stock Chart & Stats
$139.62
$4.28(3.07%)
At close: 4:00 PM EDT
$139.62
$4.28(3.07%)
Day’s Range― - ―
52-Week Range$113.21 - $147.58
Previous Close$143.9
Volume159.41K
Average Volume (3M)98.59K
Market Cap
$2.04B
Enterprise Value$2.25K
Total Cash (Recent Filing)$1.77B
Total Debt (Recent Filing)$527.55M
Price to Earnings (P/E)15.9
Beta0.47
Next Earnings
Oct 28, 2026EPS Estimate
2.35Next Dividend Ex-DateN/A
Dividend Yield2.4%
Share Statistics
EPS (TTM)9.14
Shares Outstanding14,045,160
10 Day Avg. Volume122,435
30 Day Avg. Volume98,592
Financial Highlights & Ratios
PEG Ratio1.02
Price to Book (P/B)2.11
Price to Sales (P/S)4.37
P/FCF Ratio13.33
Enterprise Value/Market Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$135.00Price Target Upside-3.31% Downside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)9.12
Revenue Forecast (FY)$327.10M
Bulls Say, Bears Say
Bulls Say
Cash GenerationFCF closely tracks reported earnings and rose materially to $175.7M TTM, with FCF/net income near 1.0. That strong, high-quality cash conversion supports durable dividend capacity, internal investment, and balance sheet resilience across economic cycles.
Multi-year Revenue And Earnings GrowthConsistent multi-year growth in revenue and net income signals sustainable business momentum and expanding client activity. Rising top-line and earnings support scale benefits, steady ROE (~16%), and provide a platform for continued lending and fee income expansion over months to years.
Management ContinuityPromoting a long-tenured CFO to senior executive maintains financial leadership continuity and governance stability. That reduces execution risk around capital allocation, reporting, and risk management, which preserves strategic consistency and investor confidence over the medium term.
Bears Say
Rising LeverageLeverage has crept higher (D/E ~0.65 TTM versus earlier years), reducing financial flexibility. Higher leverage amplifies sensitivity to credit stress or margin pressure, limits cushion for losses, and can constrain future capital deployment or shareholder returns if conditions worsen.
Margin CompressionNet margins have declined meaningfully from 2021–2022 peaks to about 33% TTM. Sustained margin pressure—from funding costs, competition, or mix shifts—would lower earnings power and free cash flow, challenging ROE and limiting reinvestment or dividend growth over time.
Geographic ConcentrationA concentrated regional footprint limits diversification and exposes performance to local economic cycles and real estate markets. That structural concentration can constrain long-term growth scale and increases idiosyncratic risk compared with more diversified regional banks.
City Holding Company News
CHCO FAQ
What was City Holding Company’s price range in the past 12 months?
City Holding Company lowest stock price was $113.21 and its highest was $147.57 in the past 12 months.
What is City Holding Company’s market cap?
City Holding Company’s market cap is $2.04B.
When is City Holding Company’s upcoming earnings report date?
City Holding Company’s upcoming earnings report date is Oct 28, 2026 which is in 79 days.
How were City Holding Company’s earnings last quarter?
City Holding Company released its earnings results on Jul 22, 2026. The company reported $2.35 earnings per share for the quarter, beating the consensus estimate of $2.226 by $0.124.
Is City Holding Company overvalued?
According to Wall Street analysts City Holding Company’s price is currently Overvalued.
Does City Holding Company pay dividends?
City Holding Company pays a Quarterly dividend of $0.87 which represents an annual dividend yield of 2.4%. See more information on City Holding Company dividends here
What is City Holding Company’s EPS estimate?
City Holding Company’s EPS estimate is 2.35.
How many shares outstanding does City Holding Company have?
City Holding Company has 14,045,160 shares outstanding.
What happened to City Holding Company’s price movement after its last earnings report?
City Holding Company reported an EPS of $2.35 in its last earnings report, beating expectations of $2.226. Following the earnings report the stock price went up 3.097%.
Which hedge fund is a major shareholder of City Holding Company?
Currently, no hedge funds are holding shares in CHCO
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
City Holding Company Stock Smart Score
Underperform
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10
Analyst Consensus
Hold
Average Price Target:
$135.00 (-3.31% Downside)
$135.00 (-3.31% Downside)
Blogger Sentiment
Bearish
CHCO Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 43.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $1.3M over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
4.32%
12-Months-Change
Fundamentals
Return on Equity
2.40%
Trailing 12-Months
Asset Growth
2.67%
Trailing 12-Months
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.
CHCO Stock 12 Month Forecast
Average Price Target
$135.00
▼(-3.31% Downside)
Technical Analysis
Ownership Overview
1.48% Insiders
27.08% Mutual Funds
4.65% Other Institutional Investors
34.79% Public Companies and
Individual Investors