(CHCO) City Holding - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US1778351056
Stock: Banking, Loans, Investments, Trust, Mortgages
Total Rating 31
Risk 32
Buy Signal 0.30
| Risk 5d forecast | |
|---|---|
| Volatility | 23.5% |
| Relative Tail Risk | -8.00% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.07 |
| Alpha | -9.00 |
| Character TTM | |
|---|---|
| Beta | 0.655 |
| Beta Downside | 0.793 |
| Drawdowns 3y | |
|---|---|
| Max DD | 18.38% |
| CAGR/Max DD | 0.66 |
EPS (Earnings per Share)
Revenue
Description: CHCO City Holding March 03, 2026
City Holding Company serves as the financial holding company for City National Bank of West Virginia, providing banking, trust, and investment management services. Headquartered in Charleston, West Virginia, the firm operates within the regional banking sector, where profitability is largely driven by net interest income generated from the spread between deposit costs and lending rates.
The company maintains a diversified loan portfolio consisting of commercial and industrial credit for small to mid-sized businesses, commercial real estate mortgages, and consumer financing for residential properties and personal assets. Additionally, the bank generates non-interest revenue through treasury management, mortgage banking, and wealth management services. To analyze how these fundamentals translate to current valuation metrics, you can review the data on ValueRay.
Headlines to watch out for
- Net interest income growth drives profitability
- Loan portfolio quality impacts credit risk
- Regulatory changes affect compliance costs
- Regional economic health influences loan demand
- Deposit growth impacts funding costs
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 130.5m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.02 > 0.02 and ΔFCF/TA -0.09 > 1.0 |
| NWC/Revenue: -769.9% < 20% (prev -1.40k%; Δ 633.0% < -1%) |
| CFO/TA 0.02 > 3% & CFO 131.4m > Net Income 130.5m |
| Net Debt (365.6m) to EBITDA (171.2m): 2.13 < 3 |
| Current Ratio: 0.03 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.4m) vs 12m ago -2.25% < -2% |
| Gross Margin: 79.01% > 18% (prev 0.76%; Δ 7.82k% > 0.5%) |
| Asset Turnover: 5.95% > 50% (prev 5.75%; Δ 0.20% > 0%) |
| Interest Coverage Ratio: 1.44 > 6 (EBITDA TTM 171.2m / Interest Expense TTM 84.8m) |
Altman Z'' -2.21
| A: -0.45 (Total Current Assets 101.9m - Total Current Liabilities 3.12b) / Total Assets 6.72b |
| B: 0.14 (Retained Earnings 935.0m / Total Assets 6.72b) |
| C: 0.02 (EBIT TTM 121.9m / Avg Total Assets 6.59b) |
| D: 0.15 (Book Value of Equity 906.0m / Total Liabilities 5.91b) |
| Altman-Z'' Score: -2.21 = D |
Beneish M -3.04
| DSRI: 0.95 (Receivables 20.7m/20.6m, Revenue 392.1m/371.3m) |
| GMI: 0.97 (GM 79.01% / 76.29%) |
| AQI: 1.03 (AQ_t 0.97 / AQ_t-1 0.95) |
| SGI: 1.06 (Revenue 392.1m / 371.3m) |
| TATA: -0.00 (NI 130.5m - CFO 131.4m) / TA 6.72b) |
| Beneish M-Score: -3.04 (Cap -4..+1) = AA |
What is the price of CHCO shares?
As of March 24, 2026, the stock is trading at USD 118.95 with a total of 148,484 shares traded.
Over the past week, the price has changed by +0.57%, over one month by -2.09%, over three months by -3.51% and over the past year by +2.03%.
Over the past week, the price has changed by +0.57%, over one month by -2.09%, over three months by -3.51% and over the past year by +2.03%.
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.
- StrongBuy: 0
- Buy: 0
- Hold: 5
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the CHCO price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 131 | 10.1% |
| Analysts Target Price | 131 | 10.1% |
CHCO Fundamental Data Overview March 22, 2026
P/E Trailing = 13.1008
P/E Forward = 16.4204
P/S = 5.3417
P/B = 2.0735
P/EG = 1.9063
Revenue TTM = 392.1m USD
EBIT TTM = 121.9m USD
EBITDA TTM = 171.2m USD
Long Term Debt = 150.0m USD (from longTermDebt, last quarter)
Short Term Debt = 367.7m USD (from shortTermDebt, last quarter)
Debt = 517.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 365.6m USD (from netDebt column, last quarter)
Enterprise Value = 547.9m USD (1.69b + Debt 517.7m - CCE 1.66b)
Interest Coverage Ratio = 1.44 (Ebit TTM 121.9m / Interest Expense TTM 84.8m)
EV/FCF = 4.27x (Enterprise Value 547.9m / FCF TTM 128.4m)
FCF Yield = 23.44% (FCF TTM 128.4m / Enterprise Value 547.9m)
FCF Margin = 32.76% (FCF TTM 128.4m / Revenue TTM 392.1m)
Net Margin = 33.28% (Net Income TTM 130.5m / Revenue TTM 392.1m)
Gross Margin = 79.01% ((Revenue TTM 392.1m - Cost of Revenue TTM 82.3m) / Revenue TTM)
Gross Margin QoQ = 79.33% (prev 79.52%)
Tobins Q-Ratio = 0.08 (Enterprise Value 547.9m / Total Assets 6.72b)
Interest Expense / Debt = 4.04% (Interest Expense 20.9m / Debt 517.7m)
Taxrate = 20.16% (7.97m / 39.5m)
NOPAT = 97.3m (EBIT 121.9m * (1 - 20.16%))
Current Ratio = 0.03 (Total Current Assets 101.9m / Total Current Liabilities 3.12b)
Debt / Equity = 0.64 (Debt 517.7m / totalStockholderEquity, last quarter 809.7m)
Debt / EBITDA = 2.13 (Net Debt 365.6m / EBITDA 171.2m)
Debt / FCF = 2.85 (Net Debt 365.6m / FCF TTM 128.4m)
Total Stockholder Equity = 782.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.98% (Net Income 130.5m / Total Assets 6.72b)
RoE = 16.68% (Net Income TTM 130.5m / Total Stockholder Equity 782.3m)
RoCE = 13.08% (EBIT 121.9m / Capital Employed (Equity 782.3m + L.T.Debt 150.0m))
RoIC = 10.44% (NOPAT 97.3m / Invested Capital 932.3m)
WACC = 7.09% (E(1.69b)/V(2.20b) * Re(8.28%) + D(517.7m)/V(2.20b) * Rd(4.04%) * (1-Tc(0.20)))
Discount Rate = 8.28% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.43%
[DCF] Terminal Value 82.31% ; FCFF base≈128.7m ; Y1≈132.7m ; Y5≈149.5m
[DCF] Fair Price = 200.7 (EV 3.25b - Net Debt 365.6m = Equity 2.88b / Shares 14.4m; r=7.09% [WACC]; 5y FCF grow 3.08% → 3.0% )
EPS Correlation: 76.35 | EPS CAGR: 12.32% | SUE: -0.62 | # QB: 0
Revenue Correlation: 91.00 | Revenue CAGR: 17.42% | SUE: 3.89 | # QB: 15
EPS next Quarter (2026-06-30): EPS=2.21 | Chg7d=-0.005 | Chg30d=+0.042 | Revisions Net=+3 | Analysts=5
EPS current Year (2026-12-31): EPS=8.94 | Chg7d=-0.034 | Chg30d=+0.138 | Revisions Net=+3 | Growth EPS=+0.1% | Growth Revenue=+3.3%
EPS next Year (2027-12-31): EPS=9.36 | Chg7d=-0.090 | Chg30d=+0.067 | Revisions Net=+2 | Growth EPS=+4.7% | Growth Revenue=+3.1%
[Analyst] Revisions Ratio: +0.60 (4 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.6% (Discount Rate 8.3% - Earnings Yield 7.6%)
[Growth] Growth Spread = +2.6% (Analyst 3.2% - Implied 0.6%)
P/E Forward = 16.4204
P/S = 5.3417
P/B = 2.0735
P/EG = 1.9063
Revenue TTM = 392.1m USD
EBIT TTM = 121.9m USD
EBITDA TTM = 171.2m USD
Long Term Debt = 150.0m USD (from longTermDebt, last quarter)
Short Term Debt = 367.7m USD (from shortTermDebt, last quarter)
Debt = 517.7m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 365.6m USD (from netDebt column, last quarter)
Enterprise Value = 547.9m USD (1.69b + Debt 517.7m - CCE 1.66b)
Interest Coverage Ratio = 1.44 (Ebit TTM 121.9m / Interest Expense TTM 84.8m)
EV/FCF = 4.27x (Enterprise Value 547.9m / FCF TTM 128.4m)
FCF Yield = 23.44% (FCF TTM 128.4m / Enterprise Value 547.9m)
FCF Margin = 32.76% (FCF TTM 128.4m / Revenue TTM 392.1m)
Net Margin = 33.28% (Net Income TTM 130.5m / Revenue TTM 392.1m)
Gross Margin = 79.01% ((Revenue TTM 392.1m - Cost of Revenue TTM 82.3m) / Revenue TTM)
Gross Margin QoQ = 79.33% (prev 79.52%)
Tobins Q-Ratio = 0.08 (Enterprise Value 547.9m / Total Assets 6.72b)
Interest Expense / Debt = 4.04% (Interest Expense 20.9m / Debt 517.7m)
Taxrate = 20.16% (7.97m / 39.5m)
NOPAT = 97.3m (EBIT 121.9m * (1 - 20.16%))
Current Ratio = 0.03 (Total Current Assets 101.9m / Total Current Liabilities 3.12b)
Debt / Equity = 0.64 (Debt 517.7m / totalStockholderEquity, last quarter 809.7m)
Debt / EBITDA = 2.13 (Net Debt 365.6m / EBITDA 171.2m)
Debt / FCF = 2.85 (Net Debt 365.6m / FCF TTM 128.4m)
Total Stockholder Equity = 782.3m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.98% (Net Income 130.5m / Total Assets 6.72b)
RoE = 16.68% (Net Income TTM 130.5m / Total Stockholder Equity 782.3m)
RoCE = 13.08% (EBIT 121.9m / Capital Employed (Equity 782.3m + L.T.Debt 150.0m))
RoIC = 10.44% (NOPAT 97.3m / Invested Capital 932.3m)
WACC = 7.09% (E(1.69b)/V(2.20b) * Re(8.28%) + D(517.7m)/V(2.20b) * Rd(4.04%) * (1-Tc(0.20)))
Discount Rate = 8.28% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -1.43%
[DCF] Terminal Value 82.31% ; FCFF base≈128.7m ; Y1≈132.7m ; Y5≈149.5m
[DCF] Fair Price = 200.7 (EV 3.25b - Net Debt 365.6m = Equity 2.88b / Shares 14.4m; r=7.09% [WACC]; 5y FCF grow 3.08% → 3.0% )
EPS Correlation: 76.35 | EPS CAGR: 12.32% | SUE: -0.62 | # QB: 0
Revenue Correlation: 91.00 | Revenue CAGR: 17.42% | SUE: 3.89 | # QB: 15
EPS next Quarter (2026-06-30): EPS=2.21 | Chg7d=-0.005 | Chg30d=+0.042 | Revisions Net=+3 | Analysts=5
EPS current Year (2026-12-31): EPS=8.94 | Chg7d=-0.034 | Chg30d=+0.138 | Revisions Net=+3 | Growth EPS=+0.1% | Growth Revenue=+3.3%
EPS next Year (2027-12-31): EPS=9.36 | Chg7d=-0.090 | Chg30d=+0.067 | Revisions Net=+2 | Growth EPS=+4.7% | Growth Revenue=+3.1%
[Analyst] Revisions Ratio: +0.60 (4 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.6% (Discount Rate 8.3% - Earnings Yield 7.6%)
[Growth] Growth Spread = +2.6% (Analyst 3.2% - Implied 0.6%)