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CHCO stock logo

CHCO

City Holding Company

$139.42
-0.52
 (-0.37%)
Exchange:  NASDAQ
Market Cap:  1.967B
Shares Outstanding:  2.139M
Delayed data
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Overview
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About The Company

Sector:  Financial ServicesView sector performance
Industry:  Banks – RegionalView industry performance
   
CEO:  Charles R. Hageboeck
Full Time Employees:  934
Address: 
25 Gatewater Road
Charleston
WV
25313
US
Website:  https://www.bankatcity.com
City Holding Company operates as the parent entity for City National Bank of West Virginia, offering a broad spectrum of financial services including banking, wealth management, and investment solutions throughout the United States. Its product suite features various deposit accounts like checking, savings, money market, certificates of deposit, and individual retirement accounts. The company provides an extensive range of loan products, such as commercial and industrial financing primarily for small to mid-sized enterprises, commercial real estate loans secured by non-residential and multi-family properties, residential real estate loans for home purchases or refinancing, and first-priority home equity loans. Consumer loans are also available, which can be secured by assets like vehicles, boats, recreational vehicles, or CDs, or remain unsecured; the company also covers demand deposit account overdrafts. Its mortgage banking division handles fixed and adjustable-rate mortgages, construction financing, land acquisition loans, and the origination of conventional and government-insured mortgages, supported by secondary market operations and mortgage servicing. For business clients, services include treasury management, lockbox facilities, and other cash management tools, as well as merchant credit card processing. The wealth management segment delivers trust administration, investment, and custodial services to both corporate and individual clients, encompassing corporate trust, institutional custody, financial and estate planning, and retirement plan services. Additionally, it offers modern banking access via ATMs, interactive teller machines (ITMs), mobile banking, interactive voice response (IVR) systems, and various credit and debit card services. The company maintains a presence with 94 branches and approximately 905 full-time equivalent employees across West Virginia, Virginia, Kentucky, and Ohio. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.

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Revenue Segmentation

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Industry Peers

TICKERCOMPANYMKT CAPP/EFWD P/EROIC
CHCHCO logoCHCOCity Holding Company2.0B15.315.08.1%
SRSRCE logoSRCE1st Source Corporation2.0B12.011.61.8%
FCFCF logoFCFFirst Commonwealth Financial Corporation2.0B12.111.64.8%
TBTBBK logoTBBKThe Bancorp, Inc.2.1B9.08.32.5%
HTHTH logoHTHHilltop Holdings Inc.2.1B13.514.21.0%
GAGABC logoGABCGerman American Bancorp, Inc.1.8B12.712.45.5%

EPS

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Earnings Call

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Income Statement
Balance Sheet
Cash Flow Statement
Analyst Estimates

Income Statement

Year202320242025
Revenue334,446371,254392,109
Gross Profit279,180283,242309,796
EBITDA153,827157,715173,742
Operating Income143,106144,516162,565
Net Income114,365117,101130,485

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(* All numbers are in thousands)

Balance Sheet

Year202320242025
Total Assets6,168,0526,459,4596,722,018
Total Liabilities5,490,9865,728,7955,912,338
Total Stockholders Equity677,066730,664809,680
Total Debt434,856475,655517,674
Cash and Cash Equivalents156,276225,389191,919

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Cash Flow Statement

Year202320242025
Operating Cash Flow137,580131,8960
Capital Expenditure-2,962-2,7060
Free Cash Flow134,618129,1900
Net Income114,365117,101130,485
Net Change in Cash-43,72469,113-225,389

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(* All numbers are in thousands)

Analyst Estimates

Fiscal Year2028Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)352,147Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)353,000Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)352,573.500Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)193,505.031Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)195,295.712Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)194,400.371Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)149,406.410Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)150,843.010Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)150,124.710Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)87,836.073Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)88,048.837Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)87,942.455Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)10.450Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)10.500Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)10.400Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)2Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)2Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
379.342M  ?P/S
 (TTM)
: 
5.2
?Net Income
 (TTM)
: 
116.032M  ?P/E
 (TTM)
: 
15.31
?Enterprise Value
 (TTM)
: 
2.235B  ?EV/FCF
 (TTM)
: 
16.15
?Dividend Yield
 (TTM)
: 
2.49%  ?Payout Ratio
 (TTM)
: 
37.19%
?ROE
 (TTM)
: 
16.41%  ?ROIC
 (TTM)
: 
8.09%
?Net Debt
 (TTM)
: 
358.075M  ?Debt/Equity
 (TTM)
: 
0.65
?P/B
 (TTM)
: 
2.43  ?Current Ratio
 (TTM)
: 
0.31

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Forward P/E Ratios

?

Forward P/E (Avg EPS estimate) — log in with Research Access for high/low estimates and the interactive table.

Forward P/E 1YResearch AccessResearch AccessResearch AccessResearch Access
15.02Research AccessResearch AccessResearch AccessResearch Access

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SWOT Analysis

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At what price to buy it? -
Intrinsic Value Calculator

Based on current fundamentals and analyst forecasts, MarketSnap estimates CHCO intrinsic value between $36.98 – $80.45 per share. This depends on revenue growth, margins, and discount rate.

This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.


Calculate CHCO Intrinsic Value

Common questions about CHCO valuation

Is City Holding Company (CHCO) overvalued or undervalued right now?

MarketSnap estimates intrinsic value for City Holding Company (CHCO) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.

Is CHCO a buy, hold, or sell for long-term investors?

MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether CHCO trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.

What is CHCO’s P/E ratio?

You can see CHCO’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.

How is intrinsic value calculated for CHCO?

MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.

Is CHCO a good long-term investment?

Whether CHCO fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.

CHCO

1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.

Daily snapshot

-0.37
MarketSnap

Trading Metrics:

Open: 140.94   Previous Close: 139.94
Day Low: 138.78   Day High: 141.3
Year Low: 113.21   Year High: 148.99
Price Avg 50: 143.4   Price Avg 200: 130.14
Volume: 98901   Average Volume: 129280

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