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City Holding Company CHCO R2K

Financial Services · Banks - Regional · United States
https://www.bankatcity.com
Company Profile ↓
$134.17
+9.50% 1Y
Mkt Cap$1.89B
P/E14.81
P/B2.32
Div. Yield2.66%
52W High$135.26
52W Low$115.42
Book Value$56.29
EPS (TTM)$9.06

Company Overview

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. In addition, it offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government-insured mortgages, secondary marketing, and mortgage servicing. Further, the company provides treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. The company was founded in 1957 and is headquartered in Charleston, West Virginia.

Why Investors Should Care

Strong Return on Equity

Generates a return on equity of 17.0%, reflecting efficient use of shareholder capital.

Reasonable Valuation

Trades at an undemanding P/E of 14.8.

Healthy Margins

Maintains a net profit margin of 41.3%.

Conservative Balance Sheet

Carries low leverage with a debt-to-equity ratio of 0.19.

Dividend Income

Offers a dividend yield of 2.66%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $74.29M (+3.2% YoY); net profit $130.49M.
  • Trailing 12 Months Year-on-year growth — revenue +5.5%, earnings +6.8%.
  • 5-Year Trend Long-term compounding — revenue CAGR 3.7%, profit CAGR 7.2%.

Growth & Price Performance

Compounded Sales Growth

5 Years:3.74%
1 Year:5.50%

Compounded Profit Growth

5 Years:7.24%
1 Year:6.80%

Stock Price Performance

1 Year:+9.50%
6 Months:+11.41%
3 Months:+7.12%
1 Month:+4.38%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 95% of range
$115.42 $135.26
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)60.98 · Neutral
Price Performance
1M+4.38%
3M+7.12%
6M+11.41%
1Y+9.50%
Valuation vs Sector

P/E of 14.81 is above the sector median of 13.30 — pricier than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 41.3%.
  • Attractive dividend yield of 2.66%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
14.81
Industry PE
13.30
Forward P/E
14.13
PEG Ratio
1.91
Book Value
$56.29
Price to Book
2.32
P/S
5.77
EV/EBITDA
-
Dividend Yield
2.66%

Growth (CAGR)

Revenue 5Y
3.74%
Profit 5Y
7.24%
Revenue (YoY)
5.50%
Earnings (YoY)
6.80%

Profitability & Returns

ROCE
-
ROE
17.01%
ROA
1.97%
Profit Margin
41.25%
Op Margin
50.94%
Gross Margin
0.00%
EPS (Latest Qtr)
$2.20
EPS (TTM)
$9.06

Balance Sheet & Liquidity

Debt/Equity
0.19
Quick Ratio
-
Current Ratio
-
Debt
$558.05M
Total Assets
$6.76B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
3.79%
Chg in Prom Hold
-
FII / Inst Holding
71.89%
Chg in FII Hold
-0.02%

Financial Snapshot

Enterprise Value
$1.89B
Total Revenue (TTM)
$319.66M
EBITDA
-
Free Cash Flow
$128.45M
Operating Cash Flow
$137.87M
Shares Outstanding
14.11M
Gross Margin
0.00%
Payout Ratio
36.60%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CHCO City Holding Company R2K 134.17 14.81 $1.89B 2.66% - 17.01% 3.74% 7.24%
2 JPM JPMorgan Chase & Co. SPX 342.89 16.42 $918.78B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 491.09 14.61 $686.70B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 356.02 31.01 $590.89B 0.83% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 538.02 31.10 $471.86B 0.71% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 60.62 15.04 $430.20B 2.00% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 227.67 20.62 $359.10B 1.87% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,140.00 20.83 $336.31B 1.69% - 14.55% - 2.21%
9 WFC Wells Fargo & Company SPX 85.29 13.18 $261.00B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue ----------13.46M14.21M14.56M-14.75M16.56M16.19M-----------------------
Net Income 10.61M13.52M11.70M12.54M13.23M14.66M16.03M14.69M13.93M9.67M17.62M20.98M20.69M10.71M21.62M22.75M22.37M22.61M29.00M18.25M20.13M22.22M19.81M22.15M22.73M23.39M21.34M22.68M27.37M30.67M24.34M32.73M29.84M29.52M29.11M29.81M30.34M33.39M35.19M31.73M
Diluted EPS 0.690.880.780.830.880.971.040.940.890.621.131.351.330.681.301.381.361.381.781.121.251.401.251.411.471.541.411.511.832.051.632.161.981.971.962.022.062.292.412.20

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ---------57.45M63.77M61.22M64.93M68.10M69.07M71.99M74.29M
Net Income 42.65M38.96M40.68M38.95M48.22M52.96M54.10M52.13M54.31M70.00M89.35M89.59M88.08M102.07M114.36M117.10M130.49M
Diluted EPS 2.682.472.672.613.043.383.533.453.484.495.425.555.666.807.617.898.93

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --2.64B2.78B2.92B3.37B3.46B3.71B3.98B4.13B4.90B5.02B5.76B6.00B5.88B6.17B6.46B6.72B
Total Equity 285.46M308.90M314.86M311.13M333.27M387.62M390.85M419.27M442.44M502.51M600.76M657.98M701.11M681.11M577.85M677.07M730.66M809.68M
Cash & Equivalents 59.63M62.63M66.38M146.40M84.99M85.88M148.23M70.11M88.14M82.51M122.99M140.14M528.66M634.63M200.00M156.28M225.39M191.92M
Long Term Debt --16.50M16.50M16.50M16.50M--------0100.00M150.00M150.00M
Total Liabilities --2.32B2.47B2.58B2.98B3.07B3.29B3.54B3.63B4.30B4.36B5.06B5.32B5.30B5.49B5.73B5.91B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 25.03M68.33M59.44M53.81M75.89M53.35M47.90M65.33M76.13M77.57M105.05M89.80M102.27M115.82M137.58M131.90M131.37M
Investing Cash Flow -40.87M-32.14M-61.49M-78.27M-72.69M-24.71M-184.08M-261.29M-171.69M-168.47M-108.83M-285.29M-191.17M-410.45M14.68M-252.26M-269.92M
Financing Cash Flow 18.84M-32.45M82.08M-36.95M-2.33M33.71M58.07M213.99M89.93M131.38M20.94M584.01M194.87M-140.00M-195.98M189.48M105.08M
Capital Expenditure -8.89M-5.04M-4.62M-7.51M-7.48M-2.32M-3.01M-5.52M-6.57M-10.19M-4.73M-5.54M-3.32M-2.14M-2.96M-2.71M-2.92M
Free Cash Flow 16.14M63.29M54.82M46.31M68.42M51.03M44.88M59.81M69.55M67.38M100.32M84.25M98.95M113.68M134.62M129.19M128.45M
Share Buybacks 3.89M12.90M23.79M7.92M027.96M7.05M10.02M020.27M19.43M36.48M58.68M26.45M60.13M17.90M45.76M
Dividends Paid 21.68M21.35M20.63M20.71M22.88M24.49M25.30M25.72M27.12M29.58M35.55M36.67M36.14M36.70M39.99M43.48M47.29M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % ---------121.8%140.1%146.3%135.7%149.9%165.6%162.7%175.6%
ROE % 13.8%12.4%13.1%11.7%12.4%13.6%12.9%11.8%10.8%11.7%13.6%12.8%12.9%17.7%16.9%16.0%16.1%
ROCE % -----------------

Shareholding Pattern

Insiders
3.79%
Institutions
71.89%
Public Float
74.71%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 14.37% 2.03M $272.64M
2 Vanguard Portfolio Management LLC 6.78% 956.13K $128.52M
3 State Street Corporation 4.93% 695.55K $93.50M
4 Vanguard Capital Management LLC 4.36% 615.04K $82.67M
5 Westwood Holdings Group Inc. 4.08% 575.10K $77.30M
6 Charles Schwab Investment Management, Inc. 3.51% 495.97K $66.67M
7 Dimensional Fund Advisors LP 3.33% 470.34K $63.22M
8 Geode Capital Management, LLC 2.53% 356.31K $47.90M
9 City Holding Company 1.78% 251.21K $33.77M
10 Two Sigma Investments, LP 1.77% 250.06K $33.61M

Analyst View

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Latest News

Recent headlines for CHCO

Google News hu, 09 Jul 2026

3 Reasons CHCO is Risky and 1 Stock to Buy Instead - StockStory

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Google News Fri, 10 Jul 2026

Are You Looking for a High-Growth Dividend Stock? - Yahoo Finance

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Google News Fri, 10 Jul 2026

City Holding (NYSE: CHCO) reports $884.45M in 13F holdings - Stock Titan

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Google News Fri, 26 Jun 2026

CHCO Forecast — Price Target — Prediction for 2027 - TradingView

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Google News Wed, 25 Mar 2026

City Holding Company Announces Approval of Stock Repurchase Plan - Business Wire

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Google News Sat, 04 Jul 2026

City Holding (CHCO) Earnings Leave Valuation Questions Open - simplywall.st

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CHCO — Frequently Asked Questions

What is the current share price of City Holding Company (CHCO)?

As of 2026-07-14 21:23 PDT, City Holding Company (CHCO) trades at $134.17 on NasdaqGS. Its 52-week range is $115.42 to $135.26.

What is the market capitalisation of CHCO?

City Holding Company (CHCO) has a market capitalisation of $1.89B on NasdaqGS.

What is the P/E ratio of CHCO?

CHCO trades at a trailing price-to-earnings (P/E) ratio of 14.81. The industry average P/E is 13.30. Its price-to-book (P/B) ratio is 2.32.

Does CHCO pay a dividend?

City Holding Company (CHCO) currently offers a dividend yield of 2.66%.

What is the return on equity (ROE) of CHCO?

CHCO has a return on equity (ROE) of 17.01%.

Is CHCO a good stock to buy?

This page provides a data-driven analysis of City Holding Company (CHCO), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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