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City Holding Company
(NASDAQ:CHCO)
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Rating:72Outperform
Price Target:
$155.00
â–²(7.29% Upside)
Action:Reiterated
Date:10/01/26
The score is driven primarily by strong financial performance (profitable growth and high-quality cash generation), supported by reasonable valuation and positive shareholder-friendly corporate actions (dividend increase). These strengths are tempered by weaker near-term technical momentum (below key short-term averages with negative MACD), which lowers the overall rating.
Positive Factors
Revenue and earnings growth
The sustained increase in revenue and net income indicates that City Holding has expanded its earnings base over several years rather than relying on a single period. Continued top-line growth, alongside strong profitability, supports reinvestment, capital formation, and durable shareholder returns.
Negative Factors
Margin compression
The decline in net margin shows that revenue growth has not translated into the same level of profitability achieved at earlier peaks. If the pressure persists, it could moderate earnings growth, reduce operating leverage, and limit the pace at which capital and dividends can compound.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and earnings growth
The sustained increase in revenue and net income indicates that City Holding has expanded its earnings base over several years rather than relying on a single period. Continued top-line growth, alongside strong profitability, supports reinvestment, capital formation, and durable shareholder returns.
Read all positive factors
City Holding Company (CHCO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$1.98B
Dividend Yield2.56%
Average Volume (3M)123.12K
Price to Earnings (P/E)15.4
Beta (1Y)0.43
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. Volume103,746
30 Day Avg. Volume123,122
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 Cap1.14
Enterprise Value/Revenue5.93
Enterprise Value/Gross Profit7.53
Enterprise Value/Ebitda12.92
Forecast
1Y Price Target
$145.00Price Target Upside0.37% Upside
Rating ConsensusHold
Number of Analyst Covering1
EPS Forecast (FY)9.28
Revenue Forecast (FY)$328.36M
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 primarily makes money through its bank subsidiary by earning interest income and fee-based (noninterest) income. The largest driver is net interest income: the bank collects interest on loans and other interest-earning assets (such as investm...
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 | 174.25M | 173.74M | 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
Positive
144.47
Price Trends
141.82
Negative
137.55
Positive
129.06
Positive
Market Momentum
-0.06
Negative
51.21
Neutral
61.68
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 144.47 is above the 20-day moving average (MA) of 140.00, above the 50-day MA of 141.82, and above the 200-day MA of 129.06, indicating a neutral trend. The MACD of -0.06 indicates Negative momentum. The RSI at 51.21 is Neutral, neither overbought nor oversold. The STOCH value of 61.68 is Neutral, 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
82 Outperform | $1.88B | 13.18 | 12.17% | 2.44% | 21.78% | 43.92% | |
77 Outperform | $938.33M | 15.20 | 11.44% | 4.68% | 5.32% | 16.00% | |
74 Outperform | $2.41B | 15.21 | 13.56% | 1.68% | 9.30% | 15.23% | |
73 Outperform | $2.07B | 12.51 | 10.83% | 2.68% | 4.87% | 25.01% | |
72 Outperform | $1.98B | 15.41 | 16.41% | 2.56% | 3.23% | 10.13% | |
72 Outperform | $1.74B | 13.06 | 9.74% | 2.99% | 2.44% | 10.69% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
CHCO
City Holding Company
143.40
24.30
20.40%
FCF
First Commonwealth
21.06
5.33
33.88%
FCBC
First Community Bancshares
49.19
18.14
58.43%
GABC
German American Bancorp
51.12
13.59
36.21%
STBA
S&T Bancorp
50.73
15.61
44.44%
SYBT
Stock Yards Bancorp
78.56
13.37
20.51%
City Holding Company Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
City Holding Company Announces Increased Quarterly Dividend
Positive
Sep 30, 2026
On September 30, 2026 City Holding Company declared a cash dividend of $1.00 per common share, a 15% increase from the 87 cent dividend paid in the second quarter of 2026. The dividend will be paid on October 30, 2026 to shareholders of record as ...
Business Operations and StrategyExecutive/Board Changes
City Holding Company Expands Board with New Directors
Positive
Sep 30, 2026
On September 30, 2026, City Holding Company appointed Jessica R. Alsop and Vonda R. Huss to its Board of Directors, with Alsop designated as a Class I director and Huss as a Class II director, both to stand for election at the 2027 annual sharehol...
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.