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City Holding Company
(NASDAQ:CHCO)
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Rating:79Outperform
Price Target:
$167.00
â–²(19.61% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by strong financial performance (solid profitability, growing revenue/earnings, and excellent cash conversion), supported by favorable technical trend signals. Valuation is reasonable with a supportive dividend yield, while near-term technicals look overextended (RSI/Stoch elevated) and rising leverage/margin compression temper the upside. The recent dividend announcement is mildly positive but not transformative.
Positive Factors
Cash generation
FCF 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.
Negative Factors
Rising leverage
Leverage 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.
Read all positive and negative factors
Positive Factors
Negative Factors
Cash generation
FCF 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.
Read all positive factors
City Holding Company (CHCO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$2.03B
Dividend Yield2.41%
Average Volume (3M)98.59K
Price to Earnings (P/E)15.8
Beta (1Y)0.47
Revenue Growth3.23%
EPS Growth10.13%
CountryUS
Employees934
SectorFinancial
Sector Strength70
IndustryBanks - Regional
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)9.26
Revenue Forecast (FY)$327.10M
City Holding Company Business Overview & Revenue Model
Company Description
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 su...
How the Company Makes Money
CHCO makes money primarily through its bank subsidiary by earning net interest income and generating noninterest income. (1) Net interest income: The company collects interest and fees on loans and other interest-earning assets (e.g., securities) ...
City Holding Company Financial Statement Overview
Summary
Income Statement
84
Very Positive
Balance Sheet
77
Positive
Cash Flow
86
Very Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 379.71M | 392.11M | 371.25M | 334.45M | 255.73M | 228.65M |
| Gross Profit | 299.13M | 309.80M | 283.24M | 279.18M | 245.60M | 221.92M |
| EBITDA | 175.37M | 171.23M | 157.72M | 153.83M | 143.11M | 125.81M |
| Net Income | 131.79M | 130.49M | 117.10M | 114.36M | 102.07M | 88.08M |
Balance Sheet | ||||||
| Total Assets | 6.77B | 6.72B | 6.46B | 6.17B | 5.88B | 6.00B |
| Cash, Cash Equivalents and Short-Term Investments | 1.77B | 979.28M | 240.80M | 1.49B | 1.71B | 2.04B |
| Total Debt | 527.55M | 517.67M | 475.65M | 434.86M | 290.96M | 312.46M |
| Total Liabilities | 5.97B | 5.91B | 5.73B | 5.49B | 5.30B | 5.32B |
| Stockholders Equity | 808.95M | 809.68M | 730.66M | 677.07M | 577.85M | 681.11M |
Cash Flow | ||||||
| Free Cash Flow | 138.46M | 128.45M | 129.19M | 134.62M | 113.68M | 98.95M |
| Operating Cash Flow | 142.29M | 131.37M | 131.90M | 137.58M | 115.82M | 102.27M |
| Investing Cash Flow | -71.52M | -269.92M | -252.26M | 14.68M | -410.45M | -191.17M |
| Financing Cash Flow | 24.31M | 105.08M | 189.48M | -195.98M | -140.00M | 194.87M |
City Holding Company Technical Analysis
Neutral
139.62
Price Trends
137.52
Positive
130.44
Positive
125.23
Positive
Market Momentum
2.13
Positive
56.63
Neutral
23.48
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CHCO, the sentiment is Neutral. The current price of 139.62 is below the 20-day moving average (MA) of 145.41, above the 50-day MA of 137.52, and above the 200-day MA of 125.23, indicating a neutral trend. The MACD of 2.13 indicates Positive momentum. The RSI at 56.63 is Neutral, neither overbought nor oversold. The STOCH value of 23.48 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | $2.03B | 15.81 | 16.41% | 2.49% | 3.23% | 10.13% | |
78 Outperform | $2.21B | 10.40 | 15.92% | 2.48% | 4.56% | 19.51% | |
73 Outperform | $2.13B | 12.86 | 10.83% | 2.61% | 4.87% | 25.01% | |
70 Outperform | $1.74B | 10.43 | 20.58% | 0.23% | 1.95% | 6.07% | |
70 Outperform | $2.26B | 14.65 | 8.07% | 5.19% | 14.54% | -6.93% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
CHCO
City Holding Company
144.48
19.24
15.36%
FCF
First Commonwealth
21.09
4.05
23.76%
CASH
Pathward Financial
83.68
5.44
6.95%
NWBI
Northwest Bancshares
15.42
3.62
30.72%
OFG
OFG Bancorp
52.23
9.03
20.91%
City Holding Company Corporate Events
Dividends
City Holding Declares Quarterly Cash Dividend to Shareholders
Positive
May 28, 2026
On May 27, 2026, City Holding Company’s board of directors declared a cash dividend of $0.87 per common share for shareholders of record as of July 15, 2026, with payment scheduled for July 31, 2026. The dividend decision, formally authorize...
Executive/Board Changes
City Holding Elevates CFO to Senior Executive Role
Neutral
May 28, 2026
On May 27, 2026, City Holding Company announced that its Executive Vice President and Chief Financial Officer, David L. Bumgarner, age 61, would assume the enhanced title of Senior Executive Vice President and Chief Financial Officer effective as ...
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.