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CITY HOLDING CO

CHCONASDAQ
πŸ† #1898 by market capEarnings Jan 19US Equity
$143.94β–² $1.96 (+1.38%)
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24hβ–² 1.4%
7dβ–² 1.4%
14dβ–² 1.5%
30dβ–² 4.0%
ytdβ–² 21.1%
1yβ–² 21.1%
🏦Market Cap
$2.02B
Small Cap
πŸ“ˆRevenue Growth (YoY)
5.6%
Slowing
πŸ“ŠGross Margin
79.3%
High
πŸ’΅FCF Margin
36.1%
Strong
βš–οΈP/S Ratio
5.3x
Fair
Otter Score
76
Strong

Trading Snapshot

Day Range
$143.00 – $144.25
52-Week Range
$113.21 – $148.99
Volume (shares)
7,275
Avg Volume (shares)
β€”
Shares Outstanding
14.1M
Next Earnings
2027-01-19

Fundamentals Snapshot

Annual Revenue
$392M
Last Q Revenue
$103M
P/E Ratio
15.7
P/S Ratio
5.3x
EPS (TTM)
$9.35
Dividend Yield
2.51%
Dilution (1yr)
βˆ’2.3%
CHCO logo

CITY HOLDING CO

CHCO
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$392Mβ–² +5.6% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
79.0%β–² +3.6% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$163Mβ–² +12.5% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$128Mβ–Ό βˆ’0.6% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
14.4Mβ–Ό βˆ’2.3% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$326Mβ–Ό βˆ’$75M YoY
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About CITY HOLDING CO

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 suite features various deposit accounts like checking, savings, money market, certificates of deposit, and individual retirement accounts. The company provides an extensive range of loan products, such as commercial and industrial financing primarily for small to mid-sized enterprises, commercial real estate loans secured by non-residential and multi-family properties, residential real estate loans for home purchases or refinancing, and first-priority home equity loans. Consumer loans are also available, which can be secured by assets like vehicles, boats, recreational vehicles, or CDs, or remain unsecured; the company also covers demand deposit account overdrafts. Its mortgage banking division handles fixed and adjustable-rate mortgages, construction financing, land acquisition loans, and the origination of conventional and government-insured mortgages, supported by secondary market operations and mortgage servicing. For business clients, services include treasury management, lockbox facilities, and other cash management tools, as well as merchant credit card processing. The wealth management segment delivers trust administration, investment, and custodial services to both corporate and individual clients, encompassing corporate trust, institutional custody, financial and estate planning, and retirement plan services. Additionally, it offers modern banking access via ATMs, interactive teller machines (ITMs), mobile banking, interactive voice response (IVR) systems, and various credit and debit card services. The company maintains a presence with 94 branches and approximately 905 full-time equivalent employees across West Virginia, Virginia, Kentucky, and Ohio. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Strong
76/100

Analyst Ratings

β“˜
Consensus
Hold
10 analysts
Strong Buy0
Buy0
Hold7
Sell1
Strong Sell2
Ratings as of Oct 2026

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