Symbols / CHCO Stock $123.01 +0.23% City Holding Company

Financial Services • Banks - Regional • United States • NMS
CHCO (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Charles R. Hageboeck Ph.D.
Exch · Country NMS · United States
Market Cap 1.74B
Enterprise Value 1.96B
Income 130.67M
Sales 319.66M
FCF (ttm) —
Book/sh 56.30
Cash/sh 21.19
Employees 928
Insider 10d —
IPO Jun 26, 1987
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 36.60%
P/E 13.56
Forward P/E 12.95
PEG 1.91
P/S 5.43
P/B 2.19
P/C —
EV/EBITDA —
EV/Sales 6.14
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 9.07
EPS next Y 9.50
EPS Growth 6.80%
Revenue Growth 5.50%
EPS Gr Q/Q 4.60%
Rev Gr Q/Q —
Earnings (next) 2026-07-22
Earnings (prior) 2026-04-23
ROA 1.97%
ROE 17.01%
ROIC —
Gross Margin 0.00%
Oper. Margin 50.94%
Profit Margin 41.25%
Shs Outstand 14.11M
Shs Float 13.86M
Insider Own 4.32%
Instit Own 72.25%
Short Float 9.51%
Short Ratio 6.23
Short Interest 943.55K
52W High 133.59
vs 52W High -7.92%
52W Low 113.21
vs 52W Low 8.66%
Beta 0.49
Impl. Vol. 12.50%
Rel Volume 0.85
Avg Volume 118.54K
Volume 100.78K
Target (mean) $131.40
Tgt Median $132.00
Tgt Low $125.00
Tgt High $135.00
# Analysts 5
Recom Hold
Prev Close $122.73
Price $123.01
Change 0.23%
About

City Holding Company operates as a financial holding company for City National Bank of West Virginia that provides banking, trust and investment management, and other financial solutions in the United States. It offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. The company also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of residence; first-priority home equity loans; home equity lines of credit; amortized home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts, as well as owner-occupied real estate and construction, land development, and lines of credit. In addition, it offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government-insured mortgages, secondary marketing, and mortgage servicing. Further, the company provides treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. The company was founded in 1957 and is headquartered in Charleston, West Virginia.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$131.40
Mean price target
2. Current target
$123.01
Latest analyst target
3. DCF / Fair value
$136.05
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$123.01
Low
$125.00
High
$135.00
Mean
$131.40

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-01-23 main Piper Sandler Neutral → Neutral $130
2025-07-24 main DA Davidson Neutral → Neutral $137
2025-07-23 main Keefe, Bruyette & Woods Market Perform → Market Perform $135
2025-01-24 main Piper Sandler Neutral → Neutral $125
2024-12-04 main Keefe, Bruyette & Woods Market Perform → Market Perform $130
2024-04-25 main Stephens & Co. Equal-Weight → Equal-Weight $99
2024-04-25 reit Keefe, Bruyette & Woods Market Perform → Market Perform $110
2024-02-01 main Piper Sandler Neutral → Neutral $105
2024-01-25 main Stephens & Co. Equal-Weight → Equal-Weight $100
2023-10-30 main Piper Sandler Neutral → Neutral $97
2023-07-31 main Piper Sandler Neutral → Neutral $103
2023-07-26 main Keefe, Bruyette & Woods Market Perform → Market Perform $100
2023-04-04 init Stephens & Co. — → Equal-Weight $89
2022-09-06 init Janney Montgomery Scott — → Neutral $91
2020-10-27 main Piper Sandler — → Neutral $65
2020-09-30 main Piper Sandler — → Neutral $60
2020-07-24 main Piper Sandler — → Neutral $65
2020-04-30 main DA Davidson — → Neutral $61
2017-03-06 init DA Davidson — → Neutral $68
2016-01-08 init Stephens & Co. — → Equal-Weight —
News
RSS: Latest CHCO news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-05-06 BUMGARNER DAVID L Chief Financial Officer — 402 $125.00 $50,250
2026-04-28 QUINLAN MICHAEL T JR Officer — 1,210 $126.09 $152,573
2026-04-28 HAGEBOECK CHARLES ROBERT Chief Executive Officer — 5,855 $125.30 $733,640
2026-04-27 HAGEBOECK CHARLES ROBERT Chief Executive Officer — 375 $125.00 $46,876
2026-04-20 FISHER ROBERT D Director — 133 $126.36 $16,806
2026-04-20 STRONG-TREISTER DIANE W Director — 119 $126.36 $15,037
2026-04-20 REYES JAVIER A Director — 103 $126.36 $13,015
2026-04-20 HOYER JAMES A Director — 103 $126.36 $13,015
2026-03-09 FISHER ROBERT D Director — 213 $115.88 $24,682
2026-03-09 STRONG-TREISTER DIANE W Director — 129 $115.88 $14,949
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
305.18
+7.06%
285.06
+0.93%
282.42
+14.77%
246.08
Operating Revenue
305.18
+7.06%
285.06
+0.93%
282.42
+14.77%
246.08
Selling General And Administration
85.30
+2.67%
83.08
+4.90%
79.20
+10.59%
71.61
Selling And Marketing Expense
3.08
-19.34%
3.82
+22.78%
3.11
-8.60%
3.40
General And Administrative Expense
82.22
+3.73%
79.25
+4.17%
76.08
+11.55%
68.21
Salaries And Wages
79.17
+3.67%
76.36
+4.37%
73.16
+9.96%
66.54
Other Gand A
—
—
—
—
Reconciled Depreciation
11.18
-15.32%
13.20
+23.11%
10.72
-32.04%
15.78
Total Unusual Items
0.00
0.00
+100.00%
-5.15
-1821.64%
-0.27
Total Unusual Items Excluding Goodwill
0.00
0.00
+100.00%
-5.15
-1821.64%
-0.27
Special Income Charges
0.00
0.00
+100.00%
-5.15
-1821.64%
-0.27
Restructuring And Mergern Acquisition
0.00
0.00
-100.00%
5.15
+1821.64%
0.27
Net Income
130.49
+11.43%
117.10
+2.39%
114.36
+12.04%
102.07
Pretax Income
161.47
+11.73%
144.52
+0.99%
143.11
+12.39%
127.33
Net Interest Income
236.40
+7.34%
220.24
+0.45%
219.24
+21.78%
180.03
Interest Expense
84.81
-1.60%
86.19
+65.68%
52.02
+438.82%
9.65
Interest Income
321.22
+4.83%
306.43
+12.96%
271.26
+43.01%
189.69
Gain On Sale Of Security
-0.40
+84.87%
-2.65
+40.80%
-4.48
-183.11%
-1.58
Tax Provision
30.98
+13.00%
27.41
-4.61%
28.74
+13.77%
25.26
Tax Rate For Calcs
0.00
+1.14%
0.00
-5.62%
0.00
+1.52%
0.00
Tax Effect Of Unusual Items
0.00
0.00
+100.00%
-1.04
-1850.76%
-0.05
Net Income Including Noncontrolling Interests
130.49
+11.43%
117.10
+2.39%
114.36
+12.04%
102.07
Net Income From Continuing Operation Net Minority Interest
130.49
+11.43%
117.10
+2.39%
114.36
+12.04%
102.07
Net Income From Continuing And Discontinued Operation
130.49
+11.43%
117.10
+2.39%
114.36
+12.04%
102.07
Net Income Continuous Operations
130.49
+11.43%
117.10
+2.39%
114.36
+12.04%
102.07
Normalized Income
130.49
+11.43%
117.10
-1.16%
118.48
+15.83%
102.29
Net Income Common Stockholders
129.33
+11.46%
116.03
+2.39%
113.33
+12.08%
101.11
Otherunder Preferred Stock Dividend
1.16
+8.23%
1.07
+3.19%
1.04
+8.14%
0.96
Diluted EPS
8.93
+13.18%
7.89
+3.68%
7.61
+11.91%
6.80
Basic EPS
8.94
+13.31%
7.89
+3.54%
7.62
+11.89%
6.81
Basic Average Shares
14.47
-1.38%
14.68
-1.29%
14.87
+0.14%
14.85
Diluted Average Shares
14.48
-1.46%
14.70
-1.30%
14.89
+0.12%
14.87
Diluted NI Availto Com Stockholders
129.33
+11.46%
116.03
+2.39%
113.33
+12.08%
101.11
Insurance And Claims
3.05
+5.43%
2.89
-1.03%
2.92
+74.66%
1.67
Occupancy And Equipment
24.01
+7.23%
22.39
+6.23%
21.08
+0.19%
21.04
Other Non Interest Expense
33.48
+7.66%
31.10
+8.67%
28.62
+23.57%
23.16
Professional Expense And Contract Services Expense
2.33
+7.96%
2.16
+6.24%
2.04
-7.25%
2.19
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Assets
6,722.02
+4.06%
6,459.46
+4.72%
6,168.05
+4.93%
5,878.11
Cash And Cash Equivalents
191.92
-14.85%
225.39
+44.22%
156.28
-21.86%
200.00
Cash Financial
152.11
+29.37%
117.58
-4.43%
123.03
+75.12%
70.26
Other Short Term Investments
787.36
+8.26%
727.31
-45.65%
1,338.14
-11.12%
1,505.52
Receivables
20.72
+0.33%
20.65
+1.77%
20.29
+10.95%
18.29
Accounts Receivable
20.72
+0.33%
20.65
+1.77%
20.29
+10.95%
18.29
Net PPE
69.13
-1.99%
70.54
-2.23%
72.15
+1.92%
70.79
Gross PPE
178.78
+0.83%
177.31
-2.67%
182.19
+2.99%
176.89
Accumulated Depreciation
-109.65
-2.69%
-106.78
+2.97%
-110.04
-3.71%
-106.11
Land And Improvements
35.10
-0.18%
35.16
+0.08%
35.13
+2.36%
34.33
Buildings And Improvements
103.19
+0.83%
102.34
+1.05%
101.28
+3.06%
98.28
Machinery Furniture Equipment
40.49
+1.71%
39.81
-13.03%
45.77
+3.35%
44.29
Goodwill And Other Intangible Assets
157.87
-1.36%
160.04
-1.55%
162.57
+40.47%
115.73
Goodwill
149.76
+0.00%
149.76
—
—
Other Intangible Assets
8.11
-21.13%
10.28
—
—
Investments And Advances
816.83
+7.89%
757.11
-44.70%
1,369.10
-10.48%
1,529.33
Total Liabilities Net Minority Interest
5,912.34
+3.20%
5,728.80
+4.33%
5,490.99
+3.60%
5,300.25
Current Debt And Capital Lease Obligation
—
0.00
-100.00%
25.00
0.00
Current Debt
—
0.00
-100.00%
25.00
0.00
Other Current Borrowings
—
0.00
-100.00%
25.00
0.00
Long Term Debt And Capital Lease Obligation
150.00
+0.00%
150.00
+50.00%
100.00
—
Long Term Debt
150.00
+0.00%
150.00
+50.00%
100.00
—
Stockholders Equity
809.68
+10.81%
730.66
+7.92%
677.07
+17.17%
577.85
Common Stock Equity
809.68
+10.81%
730.66
+7.92%
677.07
+17.17%
577.85
Capital Stock
47.62
+0.00%
47.62
+0.00%
47.62
+0.00%
47.62
Common Stock
47.62
+0.00%
47.62
+0.00%
47.62
+0.00%
47.62
Preferred Stock
0.00
0.00
0.00
0.00
Share Issued
19.05
+0.00%
19.05
+0.00%
19.05
+0.00%
19.05
Ordinary Shares Number
14.35
-2.39%
14.71
-0.85%
14.83
+0.30%
14.79
Treasury Shares Number
4.69
+8.10%
4.34
+3.00%
4.22
-1.03%
4.26
Additional Paid In Capital
174.60
-1.08%
176.51
-0.52%
177.42
+3.77%
170.98
Retained Earnings
935.05
+9.65%
852.76
+9.29%
780.30
+10.42%
706.70
Gains Losses Not Affecting Retained Earnings
-76.62
+33.79%
-115.72
-4.69%
-110.54
+15.93%
-131.49
Treasury Stock
270.97
+17.56%
230.50
+5.86%
217.74
+0.83%
215.96
Total Equity Gross Minority Interest
809.68
+10.81%
730.66
+7.92%
677.07
+17.17%
577.85
Total Capitalization
959.68
+8.97%
880.66
+13.33%
777.07
—
Invested Capital
959.68
+8.97%
880.66
+9.80%
802.07
—
Total Debt
150.00
+0.00%
150.00
+20.00%
125.00
0.00
Net Tangible Assets
651.81
+14.23%
570.62
+10.91%
514.50
+11.34%
462.12
Tangible Book Value
651.81
+14.23%
570.62
+10.91%
514.50
+11.34%
462.12
Available For Sale Securities
29.47
-1.10%
29.80
-3.76%
30.97
+30.07%
23.81
Cash Cash Equivalents And Federal Funds Sold
191.92
-14.85%
225.39
+44.22%
156.28
-21.86%
200.00
Minimum Pension Liabilities
-0.88
+39.32%
-1.44
+44.13%
-2.58
+24.58%
-3.42
Unrealized Gain Loss
-75.74
+33.72%
-114.28
-5.85%
-107.96
+15.70%
-128.07
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
131.37
-0.40%
131.90
-4.13%
137.58
+18.79%
115.82
Cash Flow From Continuing Operating Activities
131.37
-0.40%
131.90
-4.13%
137.58
+18.79%
115.82
Net Income From Continuing Operations
130.49
+11.43%
117.10
+2.39%
114.36
+12.04%
102.07
Depreciation Amortization Depletion
11.18
-15.32%
13.20
+23.11%
10.72
-32.04%
15.78
Depreciation
4.29
+1.73%
4.21
-7.48%
4.56
-14.44%
5.33
Amortization Cash Flow
6.89
-23.32%
8.98
+45.73%
6.17
-41.01%
10.45
Depreciation And Amortization
11.18
-15.32%
13.20
+23.11%
10.72
-32.04%
15.78
Amortization Of Intangibles
6.89
-23.32%
8.98
+45.73%
6.17
-41.01%
10.45
Other Non Cash Items
-3.59
+7.43%
-3.88
+34.16%
-5.89
-12.53%
-5.23
Pension And Employee Benefit Expense
-0.10
-254.84%
0.06
+19.23%
0.05
-79.69%
0.26
Stock Based Compensation
3.38
-3.92%
3.52
+9.62%
3.21
-1.92%
3.28
Asset Impairment Charge
—
—
—
—
Deferred Tax
-0.05
-113.12%
0.38
+113.78%
-2.76
-288.16%
1.47
Deferred Income Tax
-0.05
-113.12%
0.38
+113.78%
-2.76
-288.16%
1.47
Operating Gains Losses
-0.38
-638.46%
-0.05
+45.26%
-0.10
-37.68%
-0.07
Gain Loss On Investment Securities
—
—
—
0.00
Unrealized Gain Loss On Investment Securities
0.40
-84.87%
2.65
-40.80%
4.48
+183.11%
1.58
Change In Working Capital
-9.14
-182.75%
-3.23
-132.07%
10.08
+411.68%
-3.23
Change In Receivables
-0.07
+81.11%
-0.36
+68.31%
-1.14
+57.29%
-2.66
Changes In Account Receivables
-0.07
+81.11%
-0.36
+68.31%
-1.14
+57.29%
-2.66
Change In Other Current Assets
-18.85
-474.27%
5.04
-65.08%
14.42
+169.86%
-20.64
Change In Other Current Liabilities
9.77
+223.54%
-7.91
-146.96%
-3.20
-115.96%
20.07
Investing Cash Flow
-269.92
-7.00%
-252.26
-1818.39%
14.68
+103.58%
-410.45
Cash Flow From Continuing Investing Activities
-269.92
-7.00%
-252.26
-1818.39%
14.68
+103.58%
-410.45
Net PPE Purchase And Sale
-2.88
-10.51%
-2.61
+2.65%
-2.68
-37.31%
-1.95
Purchase Of PPE
-2.92
-8.06%
-2.71
+8.64%
-2.96
-38.35%
-2.14
Sale Of PPE
0.04
-57.14%
0.10
-65.37%
0.28
+48.95%
0.19
Capital Expenditure
-2.92
-8.06%
-2.71
+8.64%
-2.96
-38.35%
-2.14
Net Investment Purchase And Sale
-27.38
+69.91%
-91.01
-140.57%
224.32
+172.78%
-308.20
Purchase Of Investment
-329.02
-11.46%
-295.20
-190.24%
-101.71
+80.42%
-519.56
Sale Of Investment
301.64
+47.72%
204.19
-37.37%
326.03
+54.25%
211.36
Net Business Purchase And Sale
0.00
0.00
-100.00%
14.02
0.00
Purchase Of Business
—
—
—
—
Net Other Investing Changes
-9.89
+8.41%
-10.80
-485.13%
2.81
+4.16%
2.69
Financing Cash Flow
105.08
-44.54%
189.48
+196.68%
-195.98
-39.99%
-140.00
Cash Flow From Continuing Financing Activities
105.08
-44.54%
189.48
+196.68%
-195.98
-39.99%
-140.00
Net Issuance Payments Of Debt
42.02
+2.99%
40.80
-70.30%
137.39
+739.21%
-21.49
Issuance Of Debt
0.00
-100.00%
50.00
-50.00%
100.00
0.00
Repayment Of Debt
—
—
—
0.00
Long Term Debt Issuance
0.00
-100.00%
50.00
-50.00%
100.00
0.00
Long Term Debt Payments
—
—
—
0.00
Net Long Term Debt Issuance
0.00
-100.00%
50.00
-50.00%
100.00
0.00
Net Short Term Debt Issuance
42.02
+556.68%
-9.20
-124.61%
37.39
+273.96%
-21.49
Net Common Stock Issuance
-45.76
-155.70%
-17.90
+70.24%
-60.13
-127.36%
-26.45
Common Stock Payments
-45.76
-155.70%
-17.90
+70.24%
-60.13
-127.36%
-26.45
Common Stock Dividend Paid
-47.29
-8.77%
-43.48
-8.72%
-39.99
-8.97%
-36.70
Cash Dividends Paid
-47.29
-8.77%
-43.48
-8.72%
-39.99
-8.97%
-36.70
Repurchase Of Capital Stock
-45.76
-155.70%
-17.90
+70.24%
-60.13
-127.36%
-26.45
Proceeds From Stock Option Exercised
0.00
-100.00%
0.69
0.00
-100.00%
0.80
Net Other Financing Charges
-0.74
-16.67%
-0.64
-159.38%
1.07
+240.55%
-0.76
Changes In Cash
-33.47
-148.43%
69.11
+258.07%
-43.72
+89.94%
-434.63
Beginning Cash Position
225.39
+44.22%
156.28
-21.86%
200.00
-68.49%
634.63
End Cash Position
191.92
-14.85%
225.39
+44.22%
156.28
-21.86%
200.00
Free Cash Flow
128.45
-0.57%
129.19
-4.03%
134.62
+18.42%
113.68
Interest Paid Supplemental Data
85.78
+2.36%
83.80
+70.56%
49.13
+419.00%
9.47
Income Tax Paid Supplemental Data
35.82
+27.74%
28.04
-14.55%
32.81
+46.26%
22.43
Excess Tax Benefit From Stock Based Compensation
0.49
+27.39%
0.39
+69.74%
0.23
+178.08%
-0.29
Sale Of Business
0.00
0.00
-100.00%
14.02
0.00
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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