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CHCO stock logo

CHCO

City Holding Company

$122
1.52
 (1.26%)
Exchange:  NASDAQ
Market Cap:  1.751B
Shares Outstanding:  2.139M
Overview
Earnings
Financials
Valuation
Chart

About The Company

Sector:  Financial Services
Industry:  Banks – Regional
   
CEO:  Charles R. Hageboeck
Full Time Employees:  942
Address: 
25 Gatewater Road
Charleston
WV
25313
US
Website:  https://www.bankatcity.com
City Holding Company operates as a holding company for City National Bank of West Virginia that provides various banking, trust and investment management, and other financial solutions in the United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. It 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; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts. In addition, the company 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, it provides deposit services for commercial customers comprising 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 operates through a network of 94 branches and 905 full-time equivalent associates in 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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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 Year2027Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Low)334,406.100Full AccessFull AccessFull AccessFull Access
Estimated Revenue (High)336,608.399Full AccessFull AccessFull AccessFull Access
Estimated Revenue (Avg)335,507.250Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Low)162,606.054Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (High)163,676.930Full AccessFull AccessFull AccessFull Access
Estimated Ebitda (Avg)163,141.492Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Low)132,251.681Full AccessFull AccessFull AccessFull Access
Estimated Net Income (High)137,394.853Full AccessFull AccessFull AccessFull Access
Estimated Net Income (Avg)134,823.267Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Low)83,410.958Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (High)83,960.278Full AccessFull AccessFull AccessFull Access
Estimated SGA Expense (Avg)83,685.618Full AccessFull AccessFull AccessFull Access
Estimated EPS (Avg)9.390Full AccessFull AccessFull AccessFull Access
Estimated EPS (High)9.560Full AccessFull AccessFull AccessFull Access
Estimated EPS (Low)9.210Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated Revenue)3Full AccessFull AccessFull AccessFull Access
Number of Analysts (Estimated EPS)4Full AccessFull AccessFull AccessFull Access

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(* All numbers are in thousands)

Current Key Metrics

?Revenue
 (TTM)
: 
379.342M  ?P/S
 (TTM)
: 
4.66
?Net Income
 (TTM)
: 
116.032M  ?P/E
 (TTM)
: 
14
?Enterprise Value
 (TTM)
: 
2.191B  ?EV/FCF
 (TTM)
: 
17.06
?Dividend Yield
 (TTM)
: 
0.03  ?Payout Ratio
 (TTM)
: 
0.36
?ROE
 (TTM)
: 
0.17  ?ROIC
 (TTM)
: 
0.03
?Net Debt
 (TTM)
: 
358.075M  ?Debt/Equity
 (TTM)
: 
0.64
?P/B
 (TTM)
: 
2.26  ?Current Ratio
 (TTM)
: 
0.03

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Forward P/E Ratios

?

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

Forward P/E 1YFull AccessFull AccessFull AccessFull Access
13.59Full AccessFull AccessFull AccessFull 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.


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

1.26
MARKETSnap

Trading Metrics:

Open: 119.64   Previous Close: 120.48
Day Low: 119.64   Day High: 122.24
Year Low: 102.22   Year High: 
Price Avg 50:    Price Avg 200: 
Volume:    Average Volume: 

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