CHCO logo

CITY HOLDING CO

CHCONASDAQ
πŸ† #1636 by market capEarnings Oct 28US Equity
$146.48β–² $1.66 (+1.13%)
Market closed Β· at close
1hβ€”
24hβ–² 1.1%
7dβ–² 0.4%
14dβ–² 0.8%
30dβ–² 9.5%
1yβ–² 18.8%
🏦Market Cap
$2.07B
Small Cap
πŸ“ˆRevenue Growth (YoY)
+45.8%
High Growth
πŸ“ŠGross Margin
β€”
πŸ’΅FCF Margin
33.0%
Strong
βš–οΈP/S Ratio
5.0x
Fair
Otter Score
58
Weak

Trading Snapshot

Day Range
$145.47 – $148.57
52-Week Range
$113.21 – $147.58
Volume
$4.44B
Avg Volume
$3.24B
Shares Outstanding
14.1M
Next Earnings
Oct 9, 2026

Fundamentals Snapshot

Annual Revenue
$392M
Last Q Revenue
$80M
P/E Ratio
15.3
P/S Ratio
5.0x
EPS (TTM)
$9.22
Dividend Yield
2.50%

Why Investors Own CHCO

  • βœ“High-growth profile β€” revenue up -6.2% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 30% gross margin and 5% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

Financial Trends

Revenue (TTM)
$392Mβ–Ό βˆ’10.3% YoY
Gross Margin (TTM)
29.5%β–² +4.0% YoY
Operating Income (TTM)
$44Mβ–Ό βˆ’10.3% YoY
Free Cash Flow (TTM)
$18Mβ–Ό βˆ’10.3% YoY

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

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Weak
58/100

Analyst Ratings

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

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