(CHCO) City Holding - Overview
Sector: Financial Services | Industry: Banks - Regional | Exchange: NASDAQ (USA) | Market Cap: 1.757m USD | Total Return: 10.7% in 12m
Avg Turnover: 10.7M
EPS Trend: 69.8%
Qual. Beats: 0
Rev. Trend: 97.5%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
No distinct edge detected
City Holding Company (NASDAQ: CHCO) is a financial holding company headquartered in Charleston, West Virginia, operating primarily through City National Bank of West Virginia. Founded in 1957, the firm provides a comprehensive suite of retail and commercial banking services, including deposit accounts, mortgage banking, and wealth management. Its lending portfolio is diversified across commercial real estate, industrial loans for small-to-mid-size enterprises, and various consumer credit products such as home equity lines and auto loans.
As a regional bank, City Holding Company relies on a business model centered on the net interest margin-the spread between interest earned on loans and interest paid on deposits. Regional banks in the United States often face distinct regulatory requirements compared to money-center banks, focusing heavily on localized economic conditions and relationship-based lending. In addition to traditional interest-bearing activities, the company generates non-interest income through treasury management, merchant services, and custodial functions for institutional clients.
Investors may find it useful to examine ValueRay for deeper insights into the companys valuation metrics and historical performance. The firm further maintains a network of automated and interactive teller machines alongside mobile banking platforms to support its service delivery across its geographic footprint.
- Net interest margin sensitivity to Federal Reserve benchmark rate fluctuations
- Commercial and residential real estate loan demand in West Virginia markets
- Non-interest income growth from wealth management and service fee expansion
- Credit quality and provision for loan losses within small business portfolios
- Operating efficiency ratios impacted by digital banking transition and labor costs
| Net Income: 131.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.14 > 1.0 |
| NWC/Revenue: -747.3% < 20% (prev -1.19k%; Δ 442.1% < -1%) |
| CFO/TA 0.02 > 3% & CFO 137.9m > Net Income 131.9m |
| Net Debt (-794.4m) to EBITDA (175.1m): -4.54 < 3 |
| Current Ratio: 0.05 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.3m) vs 12m ago -2.44% < -2% |
| Gross Margin: 79.70% > 18% (prev 75.90%; Δ 3.80% > 0.5%) |
| Asset Turnover: 5.93% > 50% (prev 5.68%; Δ 0.25% > 0%) |
| Interest Coverage Ratio: 2.00 > 6 (EBIT TTM 164.9m / Interest Expense TTM 82.4m) |
| A: -0.44 (Total Current Assets 157.5m - Total Current Liabilities 3.12b) / Total Assets 6.76b |
| B: 0.14 (Retained Earnings 954.4m / Total Assets 6.76b) |
| C: 0.02 (EBIT TTM 164.9m / Avg Total Assets 6.69b) |
| D: 0.13 (Book Value of Equity 794.4m / Total Liabilities 5.97b) |
| Altman-Z'' = -2.11 = D |
| DSRI: 0.95 (Receivables 21.6m/21.6m, Revenue 396.5m/376.0m) |
| GMI: 0.95 (GM 75.90% / 79.70%) |
| AQI: 1.18 (AQ_t 0.97 / AQ_t-1 0.82) |
| SGI: 1.05 (Revenue 396.5m / 376.0m) |
| TATA: -0.00 (NI 131.9m - CFO 137.9m) / TA 6.76b) |
| Beneish M = -2.96 (Cap -4..+1) = A |
As of June 05, 2026, the stock is trading at USD 125.76 with a total of 77,744 shares traded.
Over the past week, the price has changed by +0.93%,
over one month by +2.75%,
over three months by +4.30% and
over the past year by +10.65%.
City Holding has received a consensus analysts rating of 3.00. Therefore, it is recommended to hold CHCO.
- StrongBuy: 0
- Buy: 0
- Hold: 5
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 131.4 | 4.5% |
P/E Trailing = 13.7288
P/E Forward = 16.4204
P/S = 5.4968
P/B = 2.2119
P/EG = 1.9063
Revenue TTM = 396.5m USD
EBIT TTM = 164.9m USD
EBITDA TTM = 175.1m USD
Long Term Debt = 150.0m USD (from longTermDebt, last quarter)
Short Term Debt = 374.8m USD (from shortTermDebt, last quarter)
Debt = 524.8m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -794.4m USD (calculated: Debt 524.8m - CCE 1.32b)
Enterprise Value = 962.7m USD (1.76b + Debt 524.8m - CCE 1.32b)
Interest Coverage Ratio = 2.00 (Ebit TTM 164.9m / Interest Expense TTM 82.4m)
EV/FCF = 6.66x (Enterprise Value 962.7m / FCF TTM 144.5m)
FCF Yield = 15.01% (FCF TTM 144.5m / Enterprise Value 962.7m)
FCF Margin = 36.44% (FCF TTM 144.5m / Revenue TTM 396.5m)
Net Margin = 33.26% (Net Income TTM 131.9m / Revenue TTM 396.5m)
Gross Margin = 79.70% ((Revenue TTM 396.5m - Cost of Revenue TTM 80.5m) / Revenue TTM)
Gross Margin QoQ = 79.93% (prev 79.33%)
Tobins Q-Ratio = 0.14 (Enterprise Value 962.7m / Total Assets 6.76b)
Interest Expense / Debt = 15.70% (Interest Expense 82.4m / Debt 524.8m)
Taxrate = 19.49% (31.9m / 163.8m)
NOPAT = 132.8m (EBIT 164.9m * (1 - 19.49%))
Current Ratio = 0.02 (Total Current Assets 157.5m / Total Current Liabilities 7.99b)
Debt / Equity = 0.66 (Debt 524.8m / totalStockholderEquity, last quarter 794.4m)
Debt / EBITDA = -4.54 (Net Debt -794.4m / EBITDA 175.1m)
Debt / FCF = -5.50 (Net Debt -794.4m / FCF TTM 144.5m)
Total Stockholder Equity = 791.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.97% (Net Income 131.9m / Total Assets 6.76b)
RoE = 16.66% (Net Income TTM 131.9m / Total Stockholder Equity 791.8m)
RoCE = 17.51% (EBIT 164.9m / Capital Employed (Equity 791.8m + L.T.Debt 150.0m))
RoIC = 1.97% (NOPAT 132.8m / Invested Capital 6.74b)
WACC = 9.24% (E(1.76b)/V(2.28b) * Re(8.22%) + D(524.8m)/V(2.28b) * Rd(15.70%) * (1-Tc(0.19)))
Discount Rate = 8.22% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -91.11 | Cagr: -1.55%
[DCF] Terminal Value 73.65% ; FCFF base≈139.5m ; Y1≈151.0m ; Y5≈185.9m
[DCF] Fair Price = 231.3 (EV 2.47b - Net Debt -794.4m = Equity 3.26b / Shares 14.1m; r=9.24% [WACC]; 5y FCF grow 9.43% → 2.50% )
EPS Correlation: 69.77 | EPS CAGR: 4.22% | SUE: 0.37 | # QB: 0
Revenue Correlation: 97.48 | Revenue CAGR: 9.13% | SUE: 0.75 | # QB: 0
EPS current Quarter (2026-06-30): EPS=2.22 | Chg30d=-0.18% | Revisions=-25% | Analysts=5
EPS next Quarter (2026-09-30): EPS=2.30 | Chg30d=+0.26% | Revisions=+11% | Analysts=5
EPS current Year (2026-12-31): EPS=9.05 | Chg30d=+0.78% | Revisions=+33% | GrowthEPS=+1.4% | GrowthRev=+3.2%
EPS next Year (2027-12-31): EPS=9.50 | Chg30d=+1.15% | Revisions=+43% | GrowthEPS=+4.9% | GrowthRev=+3.0%
[Analyst] Revisions Ratio: +43%