CHCO Stock Analysis: City Holding | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 2.031m USD | 12M Return: 20% | Charts, Fundamentals & Technical Analysis
Avg Turnover: 19.4M
EPS Trend: 80.4%
Qual. Beats: 1
Rev. Trend: 98.0%
Qual. Beats: 0
Warnings
No concerns identified
Tailwinds
Seasonality 10.5 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
City Holding Company is a financial holding company that operates City National Bank of West Virginia, providing banking, trust and investment management, and related financial services across the United States. Its deposit offerings include checking, savings, money market accounts, certificates of deposit, and individual retirement accounts. The companys lending activities span commercial and industrial loans, commercial real estate loans, residential real estate loans, home equity loans and lines of credit, consumer loans (secured and unsecured), and construction and land development financing. It also delivers mortgage banking services, treasury and cash management solutions (including lockbox and merchant credit card services), as well as wealth management, trust, investment, custodial, corporate trust, and retirement plan services. Digital channels such as ATMs, interactive teller machines, mobile banking, interactive voice response, and credit/debit card services round out the platform. The company was founded in 1957 and is headquartered in Charleston, West Virginia.
As a bank holding company structured under the U.S. regulatory framework for financial institutions, City Holding follows the standard holding-company model in which the parent owns the operating bank and other affiliates, with subsidiaries subject to oversight by federal and state banking regulators. As a regional bank within the GICS Financials sector, its business model is anchored in gathering local deposits and originating loans within its primary geographic footprint, distinguishing it from money-center and investment banks that focus on capital markets activities.
- Net interest margin compresses as Fed cuts rates
- Commercial real estate loan concentration raises credit risk
- Mortgage banking revenue declines with higher rates
| Net Income: 130.2m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.03 > 1.0 |
| NWC/Revenue: -985.9% < 20% (prev -1.19k%; Δ 202.7% < -1%) |
| CFO/TA 0.02 > 3% & CFO 137.9m > Net Income 130.2m |
| Net Debt (-1.25b) to EBITDA (169.7m): -7.34 < 3 |
| Current Ratio: 0.31 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.2m) vs 12m ago -2.09% < -2% |
| Gross Margin: 79.67% > 18% (prev 76.83%; Δ 2.84% > 0.5%) |
| Asset Turnover: 5.95% > 50% (prev 5.77%; Δ 0.19% > 0%) |
| Interest Coverage Ratio: 2.03 > 6 (EBIT TTM 163.0m / Interest Expense TTM 80.2m) |
| A: -0.58 (Total Current Assets 1.79b - Total Current Liabilities 5.72b) / Total Assets 6.77b |
| B: 0.14 (Retained Earnings 975.5m / Total Assets 6.77b) |
| C: 0.02 (EBIT TTM 163.0m / Avg Total Assets 6.69b) |
| D: 0.14 (Book Value of Equity 808.9m / Total Liabilities 5.97b) |
| Altman-Z'' = -3.02 = D |
| DSRI: 0.94 (Receivables 21.3m/21.7m, Revenue 397.9m/380.4m) |
| GMI: 0.96 (GM 76.83% / 79.67%) |
| AQI: 0.88 (AQ_t 0.73 / AQ_t-1 0.83) |
| SGI: 1.05 (Revenue 397.9m / 380.4m) |
| TATA: -0.00 (NI 130.2m - CFO 137.9m) / TA 6.77b) |
| Beneish M = -3.15 (Cap -4..+1) = AA |
As of July 31, 2026, the stock is trading at USD 144.50 with a total of 111,039 shares traded. Over the past week, the price has changed by +5.05%, over one month by +10.39%, over three months by +19.80% and over the past year by +19.95%.
Current recommended Stop Loss: 140.20 (which is 3% or 1.3 ATR below the current price).
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 | 132 | -8.7% |
P/E Trailing = 15.3739
P/E Forward = 16.4204
P/S = 6.3355
P/B = 2.4801
P/EG = 1.9063
Revenue TTM = 397.9m USD
EBIT TTM = 163.0m USD
EBITDA TTM = 169.7m USD
Long Term Debt = 150.0m USD (from longTermDebt, last fiscal year)
Short Term Debt = 377.6m USD (from shortTermDebt, last quarter)
Debt = 527.6m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -1.25b USD (calculated: Debt 527.6m - CCE 1.77b)
Enterprise Value = 784.5m USD (2.03b + Debt 527.6m - CCE 1.77b)
Interest Coverage Ratio = 2.03 (Ebit TTM 163.0m / Interest Expense TTM 80.2m)
EV/FCF = 5.83x (Enterprise Value 784.5m / FCF TTM 134.5m)
FCF Yield = 17.14% (FCF TTM 134.5m / Enterprise Value 784.5m)
FCF Margin = 33.79% (FCF TTM 134.5m / Revenue TTM 397.9m)
Net Margin = 32.73% (Net Income TTM 130.2m / Revenue TTM 397.9m)
Gross Margin = 79.67% ((Revenue TTM 397.9m - Cost of Revenue TTM 80.9m) / Revenue TTM)
Gross Margin QoQ = 79.93% (prev 79.93%)
Tobins Q-Ratio = 0.12 (Enterprise Value 784.5m / Total Assets 6.77b)
Interest Expense / Debt = 15.20% (Interest Expense 80.2m / Debt 527.6m)
Taxrate = 19.57% (31.7m / 161.9m)
NOPAT = 131.1m (EBIT 163.0m * (1 - 19.57%))
Current Ratio = 0.31 (Total Current Assets 1.79b / Total Current Liabilities 5.72b)
Debt / Equity = 0.65 (Debt 527.6m / totalStockholderEquity, last quarter 808.9m)
Debt / EBITDA = -7.34 (Net Debt -1.25b / EBITDA 169.7m)
Debt / FCF = -9.27 (Net Debt -1.25b / FCF TTM 134.5m)
Total Stockholder Equity = 803.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.95% (Net Income 130.2m / Total Assets 6.77b)
RoE = 16.22% (Net Income TTM 130.2m / Total Stockholder Equity 803.0m)
RoCE = 17.11% (EBIT 163.0m / Capital Employed (Equity 803.0m + L.T.Debt 150.0m))
RoIC = 9.27% (NOPAT 131.1m / Invested Capital 1.41b)
WACC = 8.44% (E(2.03b)/V(2.56b) * Re(7.46%) + D(527.6m)/V(2.56b) * Rd(15.20%) * (1-Tc(0.20)))
Discount Rate = 7.46% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -97.53 | Cagr: -1.97%
[DCF] Terminal Value 75.68% ; FCFF base≈132.2m ; Y1≈137.6m ; Y5≈156.5m
[DCF] Fair Price = 256.8 (EV 2.38b - Net Debt -1.25b = Equity 3.62b / Shares 14.1m; r=8.44% [WACC]; 5y FCF grow 4.36% → 2.50% )
EPS Correlation: 80.40 | EPS CAGR: 5.61% | SUE: 0.94 | # QB: 1
Revenue Correlation: 98.00 | Revenue CAGR: 7.69% | SUE: 0.70 | # QB: 0
EPS current Quarter (2026-09-30): EPS=2.37 | Chg30d=+2.74% | Revisions=+12% | Analysts=2
EPS current Year (2026-12-31): EPS=9.29 | Chg30d=+2.61% | Revisions=+38% | GrowthEPS=+4.0% | GrowthRev=+4.2%
EPS next Year (2027-12-31): EPS=9.46 | Chg30d=-0.42% | Revisions=+50% | GrowthEPS=+1.8% | GrowthRev=+1.7%
[Analyst] Revisions Ratio: +44% (up=10, down=3)