CHCO Stock Analysis: City Holding | NASDAQ
Banks - Regional | NASDAQ, USA | Market Cap: 1.995m USD | 12M Return: 18.6% | US1778351056 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 17.0M
EPS Trend: 80.4%
Qual. Beats: 1
Rev. Trend: 93.7%
Qual. Beats: 0
Warnings
Tailwinds
Seasonality 11.7 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 (NASDAQ: CHCO) is a financial holding company that operates City National Bank of West Virginia, providing banking, trust, investment management, and other financial solutions across the United States. Founded in 1957 and headquartered in Charleston, West Virginia, the company offers a full suite of deposit products-including checking, savings, money market accounts, certificates of deposit, and IRAs-alongside a diversified lending portfolio covering commercial and industrial loans, commercial real estate, residential mortgages, home equity loans and lines of credit, and consumer loans.
In addition to its core lending and deposit operations, the company provides mortgage banking services, treasury and cash management solutions, merchant credit card processing, wealth management and trust services, corporate trust and institutional custody, and various digital banking channels including ATMs, ITMs, mobile banking, and credit/debit card services. As a regional bank operating within the Financials sector, CHCO focuses on relationship-based banking primarily serving small-to-mid-size businesses and consumers in its core markets, with a business model that combines traditional community banking activities with fee-generating services such as wealth management and mortgage origination.
- Net interest margin expansion drives earnings as Fed rates remain elevated
- Commercial real estate loan portfolio faces regional economic headwinds
- Mortgage banking revenue pressured by rising rate environment
| Net Income: 131.8m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA 0.09 > 1.0 |
| NWC/Revenue: -1.03k% < 20% (prev -1.19k%; Δ 155.5% < -1%) |
| CFO/TA 0.02 > 3% & CFO 142.3m > Net Income 131.8m |
| Net Debt (-1.25b) to EBITDA (175.4m): -7.11 < 3 |
| Current Ratio: 0.31 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.1m) vs 12m ago -2.83% < -2% |
| Gross Margin: 78.78% > 18% (prev 76.83%; Δ 1.95% > 0.5%) |
| Asset Turnover: 5.68% > 50% (prev 5.77%; Δ -0.09% > 0%) |
| Interest Coverage Ratio: 2.05 > 6 (EBIT TTM 165.1m / Interest Expense TTM 80.5m) |
| 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 165.1m / Avg Total Assets 6.69b) |
| D: 0.14 (Book Value of Equity 808.9m / Total Liabilities 5.97b) |
| Altman-Z'' = -3.02 = D |
| DSRI: 0.99 (Receivables 21.3m/21.7m, Revenue 379.7m/380.4m) |
| GMI: 0.98 (GM 76.83% / 78.78%) |
| AQI: 0.88 (AQ_t 0.73 / AQ_t-1 0.83) |
| SGI: 1.00 (Revenue 379.7m / 380.4m) |
| TATA: -0.00 (NI 131.8m - CFO 142.3m) / TA 6.77b) |
| Beneish M = -3.14 (Cap -4..+1) = AA |
As of October 03, 2026, the stock is trading at USD 141.39 with a total of 151,770 shares traded. Over the past week, the price has changed by +0.93%, over one month by -0.60%, over three months by +5.21% and over the past year by +18.63%.
Current recommended Stop Loss: 135.00 (which is 4.5% or 2.6 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 | 140.4 | -0.7% |
P/E Trailing = 15.5498
P/E Forward = 16.4204
P/S = 6.2213
P/B = 2.4248
P/EG = 1.9063
Revenue TTM = 379.7m USD
EBIT TTM = 165.1m USD
EBITDA TTM = 175.4m USD
Long Term Debt = 150.0m USD (from longTermDebt, last quarter)
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 = 748.8m USD (1.99b + Debt 527.6m - CCE 1.77b)
Interest Coverage Ratio = 2.05 (Ebit TTM 165.1m / Interest Expense TTM 80.5m)
EV/FCF = 5.41x (Enterprise Value 748.8m / FCF TTM 138.5m)
FCF Yield = 18.49% (FCF TTM 138.5m / Enterprise Value 748.8m)
FCF Margin = 36.46% (FCF TTM 138.5m / Revenue TTM 379.7m)
Net Margin = 34.71% (Net Income TTM 131.8m / Revenue TTM 379.7m)
Gross Margin = 78.78% ((Revenue TTM 379.7m - Cost of Revenue TTM 80.6m) / Revenue TTM)
Gross Margin QoQ = 75.75% (prev 79.93%)
Tobins Q-Ratio = 0.11 (Enterprise Value 748.8m / Total Assets 6.77b)
Interest Expense / Debt = 15.25% (Interest Expense 80.5m / Debt 527.6m)
Taxrate = 19.63% (32.2m / 164.0m)
NOPAT = 132.7m (EBIT 165.1m * (1 - 19.63%))
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 = -7.11 (Net Debt -1.25b / EBITDA 175.4m)
Debt / FCF = -9.00 (Net Debt -1.25b / FCF TTM 138.5m)
Total Stockholder Equity = 803.0m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.97% (Net Income 131.8m / Total Assets 6.77b)
RoE = 16.41% (Net Income TTM 131.8m / Total Stockholder Equity 803.0m)
RoCE = 17.32% (EBIT 165.1m / Capital Employed (Equity 803.0m + L.T.Debt 150.0m))
RoIC = 9.38% (NOPAT 132.7m / Invested Capital 1.41b)
WACC = 8.46% (E(1.99b)/V(2.52b) * Re(7.45%) + D(527.6m)/V(2.52b) * Rd(15.25%) * (1-Tc(0.20)))
Discount Rate = 7.45% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -96.03 | Cagr: -2.30%
[DCF] Terminal Value 76.00% ; FCFF base≈134.6m ; Y1≈143.5m ; Y5≈171.3m
[DCF] Fair Price = 272.6 (EV 2.58b - Net Debt -1.25b = Equity 3.83b / Shares 14.1m; r=8.46% [WACC]; 5y FCF grow 7.42% → 2.50% )
EPS Correlation: 80.40 | EPS CAGR: 5.61% | SUE: 0.94 | # QB: 1
Revenue Correlation: 93.67 | Revenue CAGR: 6.91% | SUE: -0.02 | # QB: 0
EPS current Quarter (2026-09-30): EPS=2.36 | Chg30d=+0.17% | Revisions=+38% | Analysts=5
EPS current Year (2026-12-31): EPS=9.28 | Chg30d=+0.17% | Revisions=+62% | GrowthEPS=+3.9% | GrowthRev=+4.3%
EPS next Year (2027-12-31): EPS=9.64 | Chg30d=+0.63% | Revisions=+29% | GrowthEPS=+3.9% | GrowthRev=+3.1%
[Analyst] Revisions Ratio: +59% (up=12, down=2)