City Holding Company (CHCO)

NMS – Real Time Price. Currency in USD

147.20

+0.87 (0.59%)

Market open: Aug 12, 2026, 3:59 PM EDT

146.33

0.00 (0.00%)

Previous after-hours: Aug 11, 2026, 7:34 PM EDT

Stock details

Previous close: 146.33$
Day's range: 145 - 146.75$
52-week range: 113.21 - 147.58$
Volume: 98 950
Average volume: 105 169
Beta: -0.01
EPS (TTM): 9.15
PE ratio (TTM): 16.01
Forward P/E: 15.8
Market cap: 2 055 228 330
Shares outstanding: 14 045 160
Dividend yield: $2.38 (2.38%)
Next earnings date: 2026-10-28
Sector: Financials
Industry: Banks - Regional

About the company

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... read more

CEO: Charles Hageboeck
Country: United States
IPO Date
Employees: 934
Fiscal Year End: January - December
Website: https://www.bankatcity.com

Revenue Breakdown

Community Banking / 100.00%

News

No Data

There are no news for this stock.

Chart: CHCO

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Overall Score

4.6 / 1046%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $527.6M

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (0.7) is well below the industry average (0.1), showcasing prudent financial management

The company has no interest-bearing debt, showcasing excellent financial strength

The company generates positive free cash flow $31.8M, supporting its financial health

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	0.09	2.82	1.0
Quick ratio	N/A	2.82	1.0
Debt to Equity	0.65	0.05	7.0
Debt to Assets	0.08	0.09	9.0
Interest coverage	N/A	N/A	10
Weighted average score			5.6

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	263M	341M	379M	399M	402M
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	128M	148M	145M	161M	164M
Net Income	101M	113M	116M	129M	131M
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	48.43	1.0
Operating margin %	51.27	0.44	10
Net margin %	41.02	32.70	10
EBITDA margin %	N/A	0.00	1.0
Cash flow margin %	32.63	0.00	10
Weighted average score			6.4

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	1.95	1.46	3.0
ROE	16.67	14.94	8.0
ROIC	13.97	0.00	7.0
ROCE	N/A	0.00	1.0
Weighted average score			4.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	2.04	-2.32	2.0
Next quarter	4.17	8.17	5.0
Current year	4.36	3.72	4.0
Next year	2.65	3.43	4.0
Weighted average score			3.8

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	1.25	5.1	6.82	-14.64	3.5
Y/Y	0.87	-0.07	2.62	14.66	3.8
3y average	15.35	8.64	9.59	4.72	6.3
5y average	9.59	8.04	13.82	9.42	6.5
Weighted average score					5.0

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	15.88	11.16	4.8
PEG (5yr expected)	N/A	98.42	1.0
P/S	6.62	3.37	3.2
P/B	2.52	1.53	3.8
Weighted average score			3.2

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR4.03%

FCF 5 year CAGR4

Fair value145.68$

Stock price146.44$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	2.46	2.46	7.0
Payout ratio	37.65	37.65	6.0
5-year dividend growth rate	6.65	6.65	8.0
Years of dividend increase	6.00	6.00	6.0
Weighted average score			6.8

Fair Value

$145.68

UndervaluedStock priceOvervalued

$146.44

Economic Moat

NAME	SCALE	SCORE
Market share	None	1.0
Intangible assets	None	1.0
Switching costs	None	1.0
Network effect	None	1.0
Economies of scale	None	1.0
Weighted average score		1.0

About the company

CEO

Charles Hageboeck

Country

United States

IPO Date

Employees

934

Fiscal Year End

January - December

Website

https://www.bankatcity.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

0.09

2.82

1.0

Quick ratio

N/A

2.82

1.0

Debt to Equity

0.65

0.05

7.0

Debt to Assets

0.08

0.09

9.0

Interest coverage

N/A

Weighted average score

5.6

METRIC

2022

2023

2024

2025

TTM

Total Revenue

263M

341M

379M

399M

402M

Gross Profit

N/A

Operating Income

128M

148M

145M

161M

164M

Net Income

101M

113M

116M

129M

131M

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

48.43

1.0

Operating margin %

51.27

0.44

Net margin %

41.02

32.70

EBITDA margin %

N/A

0.00

1.0

Cash flow margin %

32.63

0.00

Weighted average score

6.4

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

1.95

1.46

3.0

ROE

16.67

14.94

8.0

ROIC

13.97

0.00

7.0

ROCE

N/A

0.00

1.0

Weighted average score

4.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

2.04

-2.32

2.0

Next quarter

4.17

8.17

5.0

Current year

4.36

3.72

4.0

Next year

2.65

3.43

4.0

Weighted average score

3.8

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

1.25

5.1

6.82

-14.64

3.5

Y/Y

0.87

-0.07

2.62

14.66

3.8

3y average

15.35

8.64

9.59

4.72

6.3

5y average

9.59

8.04

13.82

9.42

6.5

Weighted average score

5.0

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

15.88

11.16

4.8

PEG (5yr expected)

N/A

98.42

1.0

P/S

6.62

3.37

3.2

P/B

2.52

1.53

3.8

Weighted average score

3.2

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

2.46

7.0

Payout ratio

37.65

6.0

5-year dividend growth rate

6.65

8.0

Years of dividend increase

6.00

6.0

Weighted average score

6.8

NAME

SCALE

SCORE

Market share

None

1.0

Intangible assets

None

1.0

Switching costs

None

1.0

Network effect

None

1.0

Economies of scale

None

1.0

Weighted average score

1.0

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City Holding Company (CHCO)

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City Holding Company (CHCO)

Stock details

About the company

Revenue Breakdown

News

Chart: CHCO

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$145.68

$146.44

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: CHCO

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$145.68

$146.44

Economic Moat