(CHCO) City Holding - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US1778351056

Checking, Savings, Loans, Mortgage, Wealth, Treasury

Stock: Regional Banks
Age 32.9y

MCap 1,787m
Avg Vol 81.6K (9.92M USD)

Beta 0.474
Volatility 23.43%

EPS (Earnings per Share)

EPS CAGR: -42.90%
EPS Trend: -16.4%

Last SUE: -4.00
Qual. Beats: 0

Revenue

Rev. CAGR: 15.37%
Rev. Trend: 92.7%

Last SUE: 1.00
Qual. Beats: 11

Dividends

Dividend Yield	3.44%
Yield on Cost 5y	5.25%
Yield CAGR 5y	8.71%
Payout Consistency	93.5%
Payout Ratio	38.2%

Risk via 5d forecast
Volatility	23.4%
Value at Risk 5%th	35.2%
Relative Tail Risk	-8.66%

Reward TTM
Sharpe Ratio	0.21
Alpha	-3.03
CAGR/Max DD	0.76

Character TTM
Hurst Exponent	0.441
Beta	0.474
Beta Downside	0.418

Drawdowns 3y
Max DD	18.38%
Mean DD	7.60%
Median DD	8.11%

Description: CHCO City Holding January 16, 2026

City Holding Company (NASDAQ: CHCO) is the parent of City National Bank of West Virginia, a full-service regional bank that delivers checking, savings, money-market, CD, and IRA products, alongside a broad loan suite covering commercial-industrial, commercial-real-estate, residential mortgage, home-equity, and consumer financing.

Beyond core banking, the firm provides mortgage-banking operations (fixed/adjustable-rate loans, construction and land financing, secondary-market sales, and servicing), treasury-management solutions (lockbox, cash-management, merchant card processing), and wealth-management services (trust, custodial, estate planning, and retirement-plan administration). Digital channels include ATMs, interactive teller machines, mobile banking, and IVR systems.

According to the most recent quarterly filing (Q3 2024), CHCO reported a loan portfolio of roughly **$5.1 billion**, a deposit base of **$7.3 billion**, and a net interest margin (NIM) of **3.2 %**, yielding a return on equity (ROE) near **9.5 %**. The bank’s growth is closely tied to two sector drivers: (1) the regional-bank sensitivity to the Federal Reserve’s interest-rate policy, which compresses NIM when rates flatten, and (2) the health of the small-business and mortgage markets in the Appalachian and Mid-Atlantic regions, where economic diversification and housing demand remain modest but steady.

Given CHCO’s exposure to interest-rate cycles and its relatively concentrated geographic footprint, analysts should monitor the Fed’s policy outlook, regional employment trends, and the pace of mortgage-originations when assessing future earnings volatility.

For a deeper quantitative breakdown, the ValueRay platform offers a concise dashboard of CHCO’s valuation metrics.

Piotroski VR‑10 (Strict, 0-10) 3.5

Net Income: 127.6m TTM > 0 and > 6% of Revenue
FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.09 > 1.0
NWC/Revenue: -1192 % < 20% (prev -1415 %; Δ 222.8% < -1%)
CFO/TA 0.02 > 3% & CFO 130.8m > Net Income 127.6m
Net Debt (293.4m) to EBITDA (169.4m): 1.73 < 3
Current Ratio: 0.19 > 1.5 & < 3
Outstanding Shares: last quarter (14.5m) vs 12m ago -1.30% < -2%
Gross Margin: 77.89% > 18% (prev 0.78%; Δ 7712 % > 0.5%)
Asset Turnover: 5.87% > 50% (prev 5.63%; Δ 0.24% > 0%)
Interest Coverage Ratio: 1.79 > 6 (EBITDA TTM 169.4m / Interest Expense TTM 87.2m)

Altman Z'' (< 1.1 .. > 2.6) -3.74

A: -0.69 (Total Current Assets 1.05b - Total Current Liabilities 5.63b) / Total Assets 6.67b
B: 0.14 (Retained Earnings 916.0m / Total Assets 6.67b)
C: 0.02 (EBIT TTM 156.4m / Avg Total Assets 6.55b)
D: 0.15 (Book Value of Equity 879.4m / Total Liabilities 5.87b)
Total Rating: -3.74= D

ValueRay F-Score (Strict, 0-100) 80.18

1. Piotroski: 3.50pt
2. FCF Yield: 9.95%
3. FCF Margin: 33.21%
4. Debt/Equity: 0.65
5. Debt/Ebitda: 1.73
6. ROIC - WACC: 7.09%
7. RoE: 16.73%
8. Revenue Trend: 92.72%
9. EPS Trend: -16.41%

What is the price of CHCO shares?

As of January 22, 2026, the stock is trading at USD 124.26 with a total of 107,954 shares traded.
Over the past week, the price has changed by +1.80%, over one month by +1.55%, over three months by +3.98% and over the past year by +6.41%.

Is CHCO a buy, sell or hold?

City Holding has received a consensus analysts rating of 3.00. Therefor, it is recommend to hold CHCO.

Strong Buy: 0
Buy: 0
Hold: 5
Sell: 0
Strong Sell: 0

What are the forecasts/targets for the CHCO price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	129.6	4.3%
Analysts Target Price	129.6	4.3%
ValueRay Target Price	142.3	14.5%

CHCO Fundamental Data Overview January 21, 2026

P/E Trailing = 14.2028
P/E Forward = 16.4204
P/S = 5.804
P/B = 2.2233
P/EG = 1.88
Revenue TTM = 384.3m USD
EBIT TTM = 156.4m USD
EBITDA TTM = 169.4m USD
Long Term Debt = 150.0m USD (from longTermDebt, last quarter)
Short Term Debt = 369.0m USD (from shortTermDebt, last quarter)
Debt = 519.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 293.4m USD (from netDebt column, last quarter)
Enterprise Value = 1.28b USD (1.79b + Debt 519.0m - CCE 1.02b)
Interest Coverage Ratio = 1.79 (Ebit TTM 156.4m / Interest Expense TTM 87.2m)
EV/FCF = 10.05x (Enterprise Value 1.28b / FCF TTM 127.7m)
FCF Yield = 9.95% (FCF TTM 127.7m / Enterprise Value 1.28b)
FCF Margin = 33.21% (FCF TTM 127.7m / Revenue TTM 384.3m)
Net Margin = 33.19% (Net Income TTM 127.6m / Revenue TTM 384.3m)
Gross Margin = 77.89% ((Revenue TTM 384.3m - Cost of Revenue TTM 85.0m) / Revenue TTM)
Gross Margin QoQ = 79.52% (prev 80.04%)
Tobins Q-Ratio = 0.19 (Enterprise Value 1.28b / Total Assets 6.67b)
Interest Expense / Debt = 4.04% (Interest Expense 21.0m / Debt 519.0m)
Taxrate = 19.75% (8.66m / 43.8m)
NOPAT = 125.5m (EBIT 156.4m * (1 - 19.75%))
Current Ratio = 0.19 (Total Current Assets 1.05b / Total Current Liabilities 5.63b)
Debt / Equity = 0.65 (Debt 519.0m / totalStockholderEquity, last quarter 798.9m)
Debt / EBITDA = 1.73 (Net Debt 293.4m / EBITDA 169.4m)
Debt / FCF = 2.30 (Net Debt 293.4m / FCF TTM 127.7m)
Total Stockholder Equity = 762.5m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.95% (Net Income 127.6m / Total Assets 6.67b)
RoE = 16.73% (Net Income TTM 127.6m / Total Stockholder Equity 762.5m)
RoCE = 17.14% (EBIT 156.4m / Capital Employed (Equity 762.5m + L.T.Debt 150.0m))
RoIC = 13.76% (NOPAT 125.5m / Invested Capital 912.5m)
WACC = 6.67% (E(1.79b)/V(2.31b) * Re(7.66%) + D(519.0m)/V(2.31b) * Rd(4.04%) * (1-Tc(0.20)))
Discount Rate = 7.66% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 7.95%
Shares Correlation 3-Years: -100.0 | Cagr: -1.09%
[DCF Debug] Terminal Value 83.85% ; FCFF base≈128.3m ; Y1≈135.5m ; Y5≈160.1m
Fair Price DCF = 241.8 (EV 3.78b - Net Debt 293.4m = Equity 3.48b / Shares 14.4m; r=6.67% [WACC]; 5y FCF grow 6.18% → 2.90% )
EPS Correlation: -16.41 | EPS CAGR: -42.90% | SUE: -4.0 | # QB: 0
Revenue Correlation: 92.72 | Revenue CAGR: 15.37% | SUE: 1.00 | # QB: 11
EPS next Quarter (2026-03-31): EPS=2.12 | Chg30d=+0.002 | Revisions Net=+2 | Analysts=5
EPS next Year (2026-12-31): EPS=8.80 | Chg30d=+0.000 | Revisions Net=+2 | Growth EPS=-2.4% | Growth Revenue=+2.7%

Additional Sources for CHCO Stock

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