City Holding Company CHCO

141.97 1.88 1.34% as of 25 Sep
Market cap
$2.0B
P/E
15.5×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.26
Total sells 2.81
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy 3 — — — — 5 4 1 — 4 — —
Sell — 2 — — 1 — 3 5 — 1 1 —
Insider Ownership 1.96%

Capital & Financial Ratios

Market Cap 1,970.00
Revenue 402.42
Net Income 131.79
Free Cash Flow 139.78
Net Debt (117.20)
Current Ratio 0.83
Debt/Equity 0.19
P/E ratio 15.52
P/S ratio 4.95
P/B ratio 2.46
Past 5Y EPS Growth 7.81%
This Y EPS Growth 3.89%
Next Y EPS Growth 3.92%
Next 5Y EPS Growth 5.55%
in millions of $

Dividends

Payout Ratio 0.33
Annual Dividend Rate 2.86
Annual Dividend Yield 2.85%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 3.51
0.87
0.87
0.87
2025 3.24
0.79
0.79
0.79
0.87
2024 2.94
0.72
0.72
0.72
0.79
2023 2.67
0.65
0.65
0.65
0.72
2022 2.45
0.60
0.60
0.60
0.65
2021 2.32
0.58
0.58
0.58
0.58
2020 2.28
0.57
0.57
0.57
0.57
2019 2.16
0.53
0.53
0.53
0.57
2018 1.91
0.46
0.46
0.46
0.53
2017 2.19
0.43
0.44
0.44
0.44
0.44
2016 1.71
0.42
0.43
0.43
0.43
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 156 225 192 267
Receivables — — — —
Inventory — — — —
Other — — — —
4,280 4,499 4,700 4,770
2023 2024 2025 Q'26
Payables 4,934 5,144 5,301 5,340
ST’ Debt — — — —
Other — — — —
5,269 5,470 5,669 5,718
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 7.46% 8.86% 15.08%
Cash Flow 10.62% 7.91% 4.29%
Earnings 9.20% 7.81% 8.87%
Book Value 6.80% 2.92% 11.90%

Revenue

Mar Jun Sep Dec Year
’26 98 101 — — —
’25 96 100 102 101 399
’24 92 95 98 95 380
’23 80 88 88 86 342
’22 57 61 69 75 262
’21 58 58 60 60 235
’20 82 59 60 60 261
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 38 33 — — —
’25 32 28 37 34 131
’24 32 28 38 34 132
’23 40 27 37 34 138
’22 28 17 36 34 116
’21 19 21 33 29 102
’20 23 27 12 27 90
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 37 33 — — —
’25 31 28 36 34 128
’24 32 28 37 33 129
’23 39 27 36 33 135
’22 28 16 36 34 114
’21 18 20 33 28 99
’20 20 27 12 27 85
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 2.20 2.35 — — —
’25 2.06 2.29 2.41 2.18 8.93
’24 1.97 1.96 2.02 1.94 7.89
’23 1.63 2.16 1.98 1.84 7.61
’22 1.41 1.51 1.83 2.05 6.80
’21 1.25 1.41 1.47 1.54 5.66
’20 1.78 1.12 1.25 1.40 5.55
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
40.74 58.80 64.32 66.63 53.06 68.28 73.40 82.53 97.50 102.22

Analyst estimates 2026–2028

Powerpack
Low Price
68.89 74.90 83.27 83.07 82.72 88.49 103.00 115.89 137.28 133.59
High Price
847 839 891 918 926 905 929 973 963 950
Employees
0 0 0 0 0 0 0 0 0 0
Revenue/Emp
191 207 224 266 261 235 262 342 380 399
Revenue
93.08% 91.86% 88.55% 86.35% 90.95% 95.79% 96.31% 84.78% 77.30% 78.74%
Gross Margin
77 91 88 113 111 111 127 143 145 161
EBT
40.43% 43.94% 39.21% 42.63% 42.66% 47.29% 48.64% 41.86% 38.05% 40.47%
EBT Margin
52 54 70 89 90 88 102 114 117 130
Net Income
7 7 6 6 11 15 16 11 13 11
Depreciation
12.82 13.40 14.56 16.32 16.33 15.29 17.63 23.00 25.88 27.57
Revenue/Sh
3.46 3.49 4.50 5.43 5.55 5.67 6.81 7.62 7.91 8.94
Earnings/Sh
4.38 4.94 5.03 6.44 5.62 6.65 7.80 9.25 8.99 9.08
Cash Flow/Sh
(0.31) (0.23) (0.41) (0.25) (0.32) (0.19) (0.13) (0.18) (0.18) (0.20)
Capex/Sh
4.07 4.71 4.62 6.19 5.30 6.46 7.67 9.07 8.81 8.88
Free CF/Sh
29.69 32.60 38.96 40.33 43.89 44.28 38.92 45.54 49.79 55.94
Book Value/Sh
15 15 15 16 16 15 15 15 15 14
Shares
19.46 19.17 14.99 15.09 12.51 14.43 13.57 14.64 15.00 13.33
PE Ratio
5.25 4.99 4.64 5.02 4.26 5.35 5.25 4.84 4.58 4.32
PS Ratio
2.27 2.05 1.74 2.03 1.58 1.85 2.38 2.45 2.38 2.13
PB Ratio
5.21 4.94 4.29 4.51 2.27 2.69 4.52 4.68 4.38 4.22
EV/Sales
16.42 14.04 13.52 11.90 6.99 6.38 10.40 11.86 12.87 13.10
EV/FCF
65 76 78 105 90 102 116 138 132 131
Op' Cash Flow
(5) (4) (6) (4) (5) (3) (2) (3) (3) (3)
Capex
61 73 71 101 85 99 114 135 129 128
FCF
(293) (314) (490) (531) (806) (1,062) (1,313) (989) (971) (969)
Working Cap'
81 70 44 4 296 312 291 100 150 150
Total Debt
(8) (12) (79) (136) (529) (635) (200) (56) (75) (42)
Net Debt
442 503 601 658 701 681 578 677 731 810
Sh' Equity
1.35% 1.32% 1.54% 1.79% 1.66% 1.48% 1.70% 1.90% 1.85% 1.98%
ROA
11.10% 11.56% 12.13% 13.69% 40.34% 149.54% 21.11% 14.93% 13.78% 13.14%
ROIC
12.10% 11.37% 12.57% 14.07% 13.18% 12.62% 16.06% 18.23% 16.64% 16.94%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

City Holding Company (CHCO) key facts

  • City Holding Company (CHCO) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • City Holding Company’s revenue for fiscal 2025 (year ended December 2025) was $399.0 million, up 5.06% from fiscal 2024.
  • Net income was $130.5 million, or $8.94 per share (basic), a net margin of 32.7%.
  • As of September 25, 2026, CHCO traded at $141.97, a market capitalization of $2.0 billion.
  • At that price the stock trades at 15.5× trailing-twelve-month earnings and 5.0× sales.
  • City Holding Company pays an annual dividend of $2.86 per share, a yield of 2.85%, with a payout ratio of 33.3%.
  • Return on equity was 16.9% and debt-to-equity 0.19.

Source: company filings (standardised) and stockrow calculations.

City Holding Company (CHCO) Latest News

News by impact score

Fine-tune

16 Sep

3

City Holding (CHCO) posts Q2 earnings, prompting buy, sell or hold analysis for the stock. Q2 earnings release can moderately shift short-term investor views on CHCO without altering long-term fundamentals.

26 Jul

3

City Holding Company reported earnings and launched a share buyback. The announcement raises questions on whether CHCO shares remain undervalued. Earnings releases paired with buybacks typically trigger moderate valuation shifts without fundamentally changing long-term trajectory.

24 Apr

3

Key metrics from City Holding Company (CHCO)'s Q1 earnings highlight performance insights. Q1 earnings metrics influence financial performance and investor sentiment to a moderate degree.

23 Apr

3

City Holding Company (CHCO) reported Q1 earnings that surpassed analyst estimates. Q1 earnings surpassing estimates indicates solid financial performance with moderate positive influence on market sentiment and trajectory.

3

City Holding Company announced quarterly results, reporting net income and key financial metrics for the period. Quarterly earnings announcements moderately affect financial performance and market sentiment.

15 Apr

3

City Holding Company (CHCO) will report Q1 results, with Wall Street expecting earnings growth. Upcoming Q1 earnings report with expected growth may moderately affect CHCO's financial performance and market sentiment.

25 Mar

4

City Holding Company (CHCO) announces board approval of a stock repurchase plan, authorizing the company to buy back its common shares to enhance shareholder value. Approval of a stock repurchase plan represents a significant capital allocation strategy that signals management confidence and can materially boost EPS and investor sentiment.

1 Mar

3

City Holding Company (CHCO) valuation reassessed after 2025 10-K filing highlights strong capital returns amid slower growth. CHCO's 2025 10-K emphasizes capital returns balancing slower growth, moderately influencing financial performance and investor sentiment.

2 Feb

3

City Holding Company (CHCO) faces challenges that suggest selling its stock. Key reasons include declining loan growth, increased competition in the banking sector, and potential regulatory pressures. Investors are advised to consider alternative investments, with a specific recommendation for a more promising stock that could offer better returns. Declining loan growth and increased competition may moderately influence CHCO's financial performance and market positioning.

23 Jan

4

City Holding Company (CHCO) has been upgraded to a 'Buy' rating by analysts, reflecting positive sentiment about its future performance. The upgrade is based on strong financial metrics and growth potential, indicating that the company is well-positioned in the market. Investors are encouraged to consider this upgrade as a signal of confidence in CHCO's operational strategies and overall stability. The upgrade to 'Buy' suggests significant positive sentiment that could influence investor behavior and market performance.

22 Jan

4

City Holding Company (CHCO) reported an earnings beat, showcasing increased profits and successfully completing a share buyback program. The positive financial results indicate strong operational performance, which may enhance investor confidence and market perception of the company. Analysts are now reassessing CHCO's valuation in light of these developments, suggesting potential upward adjustments in stock price forecasts. The earnings beat and completed buyback are significant strategic moves that could enhance investor sentiment and alter the company's market trajectory.

21 Jan

4

City Holding Company (CHCO) reported its Q4 earnings, showcasing a solid financial performance with notable increases in net income and earnings per share compared to the previous year. The bank's total assets and deposits also saw growth, reflecting its strong market position. Management highlighted strategic initiatives aimed at enhancing customer experience and operational efficiency. The results indicate a positive outlook for the company, driven by effective risk management and a focus on sustainable growth. Strong financial performance and strategic initiatives are likely to significantly impact future growth and investor sentiment.

4

City Holding Company (CHCO) has reported record annual earnings, showcasing significant growth and financial performance improvements. The company attributes this success to strategic initiatives and a strong market presence, which have positively influenced its revenue streams. CHCO's management expressed optimism about future prospects, indicating plans for continued investment and expansion. This achievement reflects the company's resilience and adaptability in a competitive landscape. Record annual earnings indicate significant financial growth and strategic success that could positively influence future performance.

3

City Holding Company (CHCO) reported its Q4 earnings, revealing key metrics that were compared to analysts' estimates. The results showed a performance that met expectations in several areas, indicating stability in the company's financial health. Investors are likely to analyze these figures closely to gauge future growth prospects and market positioning. The earnings report reflects moderately noticeable influences on financial performance and market sentiment.

3

City Holding Company (CHCO) reported its Q4 earnings, missing both earnings and revenue estimates. The company's earnings per share were lower than analysts' expectations, and revenue also fell short, raising concerns about its financial performance. This disappointing report may impact investor sentiment and the company's stock performance moving forward. Missing earnings and revenue estimates can moderately affect investor confidence and financial performance.

3

City Holding Company (CHCO) reported its Q4 CY2025 earnings, falling short of revenue estimates. The company's performance was impacted by various factors, leading to concerns among investors regarding its future growth prospects. Analysts had anticipated higher revenue figures, but the actual results did not meet expectations, prompting a reevaluation of the company's market position. The revenue miss indicates potential challenges in financial performance, but it is not expected to drastically alter the company's overall trajectory.

18 Jan

3

City Holding Company (CHCO) is highlighted among three unpopular stocks with questionable fundamentals, raising concerns about its financial health and market performance. Analysts point to various factors, including declining profitability and potential risks associated with its business model. Investors are advised to exercise caution when considering CHCO, as its fundamentals may not support a strong future outlook. Concerns about profitability and business model could moderately influence investor sentiment and financial performance.

24 Dec

3

City Holding Company (NASDAQ:CHCO) has garnered significant attention from institutional investors, with 74% of its shares owned by these entities. This strong institutional backing suggests confidence in the company's stability and growth potential, positioning CHCO favorably in the market. The high level of institutional ownership indicates a moderately noticeable influence on investor sentiment and market performance.

22 Dec

3

City Holding Company (CHCO) reported its Q3 earnings, showcasing a solid performance with increased revenues and net income. The bank's focus on strategic growth initiatives and cost management has positioned it well in the current economic climate. Analysts are evaluating whether to buy, sell, or hold CHCO shares based on these results and future outlook. Market sentiment appears cautiously optimistic, with potential for continued growth amid evolving market conditions. Q3 earnings indicate stable performance but do not suggest a significant shift in the company's trajectory.

18 Dec

3

City Holding Company (CHCO) is highlighted as a safe and steady stock to target this week, amidst a market landscape that includes two other stocks deemed risky. Investors are encouraged to consider CHCO for its stability and potential for steady returns, contrasting with the identified risks associated with other stocks. CHCO's stability may influence investor sentiment and financial performance, but the overall effect is expected to be limited.

10 Dec

3

City Holding Company (CHCO) has shown resilience in the regional banking sector during Q3, outperforming many peers in key financial metrics. The bank reported solid earnings, driven by strong loan growth and effective cost management. Despite challenges in the broader market, CHCO's strategic focus on community banking and customer service has positioned it favorably. Analysts remain optimistic about its future performance, citing a stable economic environment and the bank's commitment to innovation. CHCO's performance reflects moderately noticeable influences from strategic initiatives and market conditions.

21 Nov

4

City Holding Company (CHCO) shares rose following the announcement of a strategic partnership aimed at enhancing digital banking services. The collaboration is expected to improve customer experience and expand the company's market reach. Investors reacted positively to the news, driving up stock prices as analysts anticipate increased revenue potential from the initiative. The strategic partnership is likely to significantly enhance CHCO's competitive position and market dynamics.

19 Nov

4

City Holding Company (CHCO) has delivered a remarkable 99% return to its investors over the past five years, reflecting strong financial performance and effective management strategies. The company's consistent growth and stability have positioned it favorably in the market, attracting investor confidence and interest. This impressive return highlights the company's resilience and potential for future success. The significant return over five years indicates strong financial health and investor confidence, likely influencing future performance.

31 Oct

3

City Holding Company (CHCO) is highlighted as a promising small-cap stock due to its strong financial performance and growth potential. The company has shown resilience in a competitive market, with a focus on expanding its services and enhancing customer experience. Analysts suggest that CHCO's strategic initiatives could lead to significant long-term benefits. However, there are concerns about market volatility and economic conditions that may impact its performance. Overall, CHCO is positioned well, but investors should remain cautious about external factors that could influence its trajectory. CHCO's strategic initiatives may positively influence its financial performance, but external market conditions could limit the overall effect.

23 Oct

3

City Holding Company (CHCO) is highlighted for its potential as an undervalued stock in the U.S. market. Analysts suggest that CHCO possesses strong fundamentals and growth prospects, making it an attractive investment opportunity. The company is noted for its solid financial performance and strategic positioning, which could lead to significant appreciation in stock value. Investors are encouraged to consider CHCO as part of a diversified portfolio, especially in the current economic climate where undiscovered gems are sought after. CHCO's strong fundamentals and growth prospects may moderately influence its financial performance and market positioning.

3

City Holding Company (CHCO) has reported margin gains that bolster its positive dividend narrative, despite experiencing slower growth. The company's financial performance indicates resilience, with a focus on maintaining shareholder returns even in a challenging economic environment. Analysts view these margin improvements as a sign of effective management and operational efficiency, which could enhance investor confidence moving forward. Margin gains suggest a moderately noticeable influence on financial performance and investor sentiment.

22 Oct

4

City Holding Company (CHCO) reported better-than-expected sales for the third quarter, showcasing strong financial performance that exceeded analysts' forecasts. The company's revenue growth reflects effective management strategies and a robust market position, contributing positively to investor sentiment. Strong sales performance indicates significant potential for future growth and improved market positioning.

4

City Holding Company (CHCO) reported third-quarter earnings that exceeded analysts' expectations, with both earnings and revenue surpassing estimates. The company's strong performance reflects its effective strategies and robust financial health, contributing to positive market sentiment. Investors reacted favorably to the results, indicating confidence in CHCO's future growth potential. Strong earnings and revenue growth can significantly influence investor sentiment and the company's future trajectory.

4

City Holding Company (CHCO) reported record quarterly results, showcasing significant growth in revenue and net income. The company's performance was driven by increased loan demand and effective cost management strategies. CHCO's strong financial position reflects its commitment to delivering value to shareholders and expanding its market presence. The results indicate a positive outlook for future growth and profitability. Record quarterly results suggest significant growth potential and improved market positioning for CHCO.

3

City Holding Company (CHCO) reported its Q3 earnings, showcasing a solid performance with increased revenues and net income compared to the previous year. The bank's focus on expanding its loan portfolio and maintaining strong asset quality contributed to its positive results. Additionally, management highlighted strategic initiatives aimed at enhancing customer experience and operational efficiency. Overall, the earnings report reflects a stable financial position and growth potential for CHCO in the competitive banking landscape. The earnings report indicates moderate growth and stability, which may influence investor sentiment and financial performance but is not expected to drastically alter the company's trajectory.

stockrow.com/CHCO · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com