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CHCO stock logo

CHCO

$
 (%)
Exchange:  
Market Cap:  
Shares Outstanding:  
Delayed data
Calculate CHCO Intrinsic Value
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About The Company

Sector: 
Industry: 
   
CEO: 
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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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
EBITDA153,827157,715171,229
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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(* All numbers are in thousands)

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 Year2027Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Low)334,777.450Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (High)338,346.549Research AccessResearch AccessResearch AccessResearch Access
Estimated Revenue (Avg)336,562Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Low)162,786.625Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (High)164,522.111Research AccessResearch AccessResearch AccessResearch Access
Estimated Ebitda (Avg)163,654.368Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Low)135,624.243Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (High)139,507.517Research AccessResearch AccessResearch AccessResearch Access
Estimated Net Income (Avg)137,565.880Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Low)83,503.584Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (High)84,393.825Research AccessResearch AccessResearch AccessResearch Access
Estimated SGA Expense (Avg)83,948.705Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Avg)9.580Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (High)9.710Research AccessResearch AccessResearch AccessResearch Access
Estimated EPS (Low)9.440Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated Revenue)2Research AccessResearch AccessResearch AccessResearch Access
Number of Analysts (Estimated EPS)4Research AccessResearch AccessResearch AccessResearch Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
379.342M  ?P/S
 (TTM)
: 
5.37
?Net Income
 (TTM)
: 
116.032M  ?P/E
 (TTM)
: 
15.81
?Enterprise Value
 (TTM)
: 
2.299B  ?EV/FCF
 (TTM)
: 
16.61
?Dividend Yield
 (TTM)
: 
2.41%  ?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)
: 
2.51  ?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
15.62Research 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 $124.40 – $129.34 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.

[intrinsic_calculator]

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

0.15
MARKETSnap

Trading Metrics:

Open: 145   Previous Close: 144.47
Day Low: 143.9   Day High: 145.41
Year Low: 113.21   Year High: 148.99
Price Avg 50: 138.83   Price Avg 200: 126.97
Volume: 102809   Average Volume: 118456

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