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Updated 2h ago
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City Holding CompanyNasdaqGS:CHCO Stock Report

Market Cap US$2.0b
Updated 2h ago
Share Price
n/a
1Y17.3%
7D0.4%
1D0.08%
Portfolio Value
​
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City Holding Company

NasdaqGS:CHCO Stock Report

Market Cap: US$2.0b

  • Company Overview
    • Valuation
    • Future Growth
    • Past Performance
    • Financial Health
    • Dividend
  • Management
  • Ownership
  • Other Information
  • Stock Community

City Holding (CHCO) Stock Overview

Operates as a financial holding company for City National Bank of West Virginia that provides banking, trust and investment management, and other financial solutions in the United States. More details

CHCO fundamental analysis
Snowflake Score
Valuation2/6
Future Growth0/6
Past Performance3/6
Financial Health6/6
Dividends4/6

Rewards

Trading at 31.4% below our estimate of its fair value

Earnings have grown 8.9% per year over the past 5 years

Pays a reliable dividend of 2.4%

Risk Analysis

Significant insider selling over the past 3 months


CHCO Community Fair Values

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US$
Current Price
US$145.163.6% overvalued intrinsic discount
%/yr
Decrease
Increase
PastFuture0375m2016201920222025202620282031Revenue US$374.6mEarnings US$152.7m
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City Holding Company Competitors

First Commonwealth Financial

Symbol: NYSE:FCF
Market cap: US$2.2b

1st Source

Symbol: NasdaqGS:SRCE
Market cap: US$2.1b

Bancorp

Symbol: NasdaqGS:TBBK
Market cap: US$2.0b

Dime Commercial Bancshares

Symbol: NYSE:DCOM
Market cap: US$1.8b

Price History & Performance

Summary of share price highs, lows and changes for City Holding
Historical stock prices
Current Share PriceUS$145.16
52 Week HighUS$148.99
52 Week LowUS$113.21
Beta0.47
1 Month Change-1.44%
3 Month Change14.65%
1 Year Change17.25%
3 Year Change62.55%
5 Year Change100.17%
Change since IPO939.54%

Recent News & Updates

Recent updates

Seeking Alpha • Nov 03

City Holding: Shares Are Expensive For A Reason

Summary City Holding Company continues to demonstrate strong fundamentals, asset quality, and growth, despite its shares underperforming the broader market. CHCO boasts low uninsured deposit exposure, a diversified loan portfolio, and robust credit quality metrics, supporting its reputation as a high-quality bank. Valuation remains a concern, with CHCO trading at higher price-to-earnings and price-to-book multiples than peers, but superior returns on assets and equity justify the premium. Despite the stock's premium valuation, I maintain a 'buy' rating due to CHCO's consistent growth, low risk profile, and exceptional financial performance. Read the full article on Seeking Alpha
Analysis Article • Jul 23

Here's Why We Think City Holding (NASDAQ:CHCO) Is Well Worth Watching

Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...
Analysis Article • Apr 26

Earnings Beat: City Holding Company Just Beat Analyst Forecasts, And Analysts Have Been Updating Their Models

City Holding Company ( NASDAQ:CHCO ) investors will be delighted, with the company turning in some strong numbers with...
Analysis Article • Apr 23

Why We Think The CEO Of City Holding Company (NASDAQ:CHCO) May Soon See A Pay Rise

Key Insights City Holding will host its Annual General Meeting on 30th of April Total pay for CEO Skip Hageboeck...
Analysis Article • Apr 01

City Holding's (NASDAQ:CHCO) Dividend Will Be $0.79

City Holding Company's ( NASDAQ:CHCO ) investors are due to receive a payment of $0.79 per share on 30th of April. The...
Analysis Article • Nov 28

City Holding's (NASDAQ:CHCO) Dividend Will Be $0.79

The board of City Holding Company ( NASDAQ:CHCO ) has announced that it will pay a dividend on the 31st of January...
Seeking Alpha • Oct 25

City Holding: High Profitability And Efficiency With Attractive Dividend Yield

Summary City Holding Company excels in earnings stability, profitability, and operational efficiency, making it a standout in the banking industry. Despite rising deposit costs, CHCO maintains a strong deposit base and superior net interest margins compared to peers. CHCO boasts exceptional asset quality, low net charge-offs, and a robust capital structure, enhancing investor confidence. Trading at a premium valuation, CHCO's high-quality earnings and asset management justify a buy rating. Read the full article on Seeking Alpha
Analysis Article • Oct 01

City Holding's (NASDAQ:CHCO) Upcoming Dividend Will Be Larger Than Last Year's

The board of City Holding Company ( NASDAQ:CHCO ) has announced that the dividend on 31st of October will be increased...
Analysis Article • Jan 27

Here's What Analysts Are Forecasting For City Holding Company (NASDAQ:CHCO) After Its Yearly Results

Last week saw the newest annual earnings release from City Holding Company ( NASDAQ:CHCO ), an important milestone in...
Analysis Article • Jul 19

Here's Why We Think City Holding (NASDAQ:CHCO) Might Deserve Your Attention Today

For beginners, it can seem like a good idea (and an exciting prospect) to buy a company that tells a good story to...

Shareholder Returns

CHCOUS BanksUS Market
7D0.4%-2.3%-1.5%
1Y17.3%16.0%13.3%

Return vs Industry: CHCO exceeded the US Banks industry which returned 16% over the past year.

Return vs Market: CHCO exceeded the US Market which returned 13.3% over the past year.

Price Volatility

Is CHCO's price volatile compared to industry and market?
CHCO volatility
CHCO Average Weekly Movement2.3%
Banks Industry Average Movement3.1%
Market Average Movement6.9%
10% most volatile stocks in US Market15.3%
10% least volatile stocks in US Market2.9%

Stable Share Price: CHCO has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: CHCO's weekly volatility (2%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
1957934Skip Hageboeckwww.bankatcity.com

City Holding Company operates as a financial holding company for City National Bank of West Virginia that provides banking, trust and investment management, and other financial solutions in the United States. It offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. The company 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; home equity lines of credit; amortized 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, as well as owner-occupied real estate and construction, land development, and lines of credit.

City Holding Company Fundamentals Summary

How do City Holding's earnings and revenue compare to its market cap?
CHCO fundamental statistics
Market capUS$2.04b
Earnings (TTM)US$130.65m
Revenue (TTM)US$320.51m
15.6x
P/E Ratio
2.5x
P/B Ratio

Is CHCO overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CHCO income statement (TTM)
RevenueUS$320.51m
Cost of RevenueUS$0
Gross ProfitUS$320.51m
Other ExpensesUS$189.87m
EarningsUS$130.65m

Last Reported Earnings

Jun 30, 2026

Next Earnings Date

n/a

Earnings per share (EPS)9.30
Gross Margin100.00%
Net Profit Margin40.76%
Debt/Equity Ratio69.5%

How did CHCO perform over the long term?

See historical performance and comparison

Dividends

2.4%
Current Dividend Yield
38%
Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/09/15 21:22
End of Day Share Price 2026/09/15 00:00
Earnings2026/06/30
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
  • SEC Form 10-K
  • SEC Form 10-Q
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
  • Analyst Research Reports
  • Blue Matrix
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
  • ICE Market Data
  • SEC Form S-1
Ownership10 years
  • Top shareholders
  • Insider trading
  • SEC Form 4
  • SEC Form 13D
Management10 years
  • Leadership team
  • Board of directors
  • SEC Form 10-K
  • SEC Form DEF 14A
Key Developments10 years
  • Company announcements
  • SEC Form 8-K

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

City Holding Company is covered by 8 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
David BishopHovde Group, LLC
Catherine Summerson MealorKeefe, Bruyette, & Woods
Christopher McGrattyKeefe, Bruyette, & Woods

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