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CHCOCity Holding Company
$132.78$1.9B
Overview & Verdict
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CHCO logoCity Holding Company(CHCO)Earnings, Financials & Key Ratios

CHCO•NASDAQ•Banking & Credit
$132.78
14.9× P/E·Price updated Jul 7, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryBanks with large fee businesses
AboutCity 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.Show more
  • Net Interest Income$236M+7.3%
  • Total Revenue$392M+5.6%
  • Net Income$130M+11.4%
  • Return on Equity16.94%+1.8%
  • Net Interest Margin3.52%+3.1%
  • Efficiency Ratio37.55%+0.5%
  • ROA1.98%+6.7%
  • Equity / Assets12.05%+6.5%
  • Book Value per Share56.36+13.4%

CHCO Price & Volume

City Holding Company (CHCO) stock price & volume — 10-year historical chart

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Disciplined Regional Banking Drives Consistent Capital Returns

Investment Thesis • Updated 2026Q1

VerdictPositive
Growth:Stable
Profitability:Strong
Financial:Healthy
Cash Flow:Stable
Primary Risk:Geographic and regulatory concentration

Key Thesis Takeaways

  • City Holding Company demonstrates a resilient business model characterized by industry-leading operational efficiency and a conservative credit culture that has maintained minimal provision expenses, including several quarters of zero or negative provisions.
  • While the bank's 12% equity-to-assets ratio provides a robust buffer, investors should monitor the inherent risks associated with its concentrated Appalachian geographic footprint.
  • The firm's ability to sustain a 0.9% NIM throughout the last ten quarters suggests a superior capacity to navigate interest rate volatility compared to regional peers.

Verdict Logic

the company's ability to maintain a 0.9% NIM and a 14.80 forward P/E ratio suggests a stable valuation for a bank with such disciplined operational efficiency.

CHCO Growth Metrics

City Holding Company (CHCO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years8.15%
5 Years8.98%
3 Years15.31%
TTM-

Profit CAGR

10 Years9.2%
5 Years7.81%
3 Years8.53%
TTM11.84%

EPS CAGR

10 Years9.74%
5 Years10%
3 Years9.55%
TTM13.78%

Return on Capital

10 Years14.97%
5 Years14.27%
3 Years13.36%
Last Year7.08%

CHCO Recent Earnings

City Holding Company (CHCO) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 2/12 qtrs (17%)
Q2 2026Latest
Apr 23, 2026
Metric
Actual
Est
EPS
$2.20+1.4%
$2.17
Rev
$79M-0.1%
$79M
Q1 2026
Jan 21, 2026
Metric
Actual
Est
EPS
$2.18-4.8%
$2.29
Rev
$80M-1.5%
$81M
Q4 2025
Oct 22, 2025
Metric
Actual
Est
EPS
$2.41+12.1%
$2.15
Rev
$79M-0.9%
$80M
Q3 2025
Jul 22, 2025
Metric
Actual
Est
EPS
$2.29+16.2%
$1.97
Rev
$76M-5.6%
$80M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q2 2026LatestApr 23, 2026
$2.20vs $2.17+1.4%
$79Mvs $79M-0.1%
Q1 2026Jan 21, 2026
$2.18vs $2.29-4.8%
$80Mvs $81M-1.5%
Q4 2025Oct 22, 2025
$2.41vs $2.15+12.1%
$79Mvs $80M-0.9%
Q3 2025Jul 22, 2025
$2.29vs $1.97+16.2%
$76Mvs $80M-5.6%
Based on last 12 quarters of dataView full earnings history →

Latest CHCO News

Recent stock market news and headlines for City Holding Company (CHCO)

GlobeNewsWire·1 day ago
Kratos Expands Oklahoma City Manufacturing Facility to Accelerate Production of Valkyrie, Firejet and Other Jet Drone Systems

106,000 Square Foot Facility Expansion Reflects Increased Demand for Kratos Jet Drones and Kratos' Continued Investment in Strengthening the United States Defense Industrial Base Through Scalable, Efficient Manufacturing Capacity Capable of Producing Affordable, Mission-Ready Systems at Quantity and at Speed 106,000 Square Foot Facility Expansion Reflects Increased Demand for Kratos Jet Drones and Kratos' Continued Investment in Strengthening the United States Defense Industrial Base Through Scalable, Efficient Manufacturing Capacity Capable of Producing Affordable, Mission-Ready Systems at Quantity and at Speed

PRNewsWire·4 days ago
The Goodyear Blimp Reclaims New York City's Skyline

50 years after its last appearance in the Big Apple, the legendary airship returns  to kick off celebrations for America's 250 th birthday AKRON, Ohio, July 3, 2026 /PRNewswire/ -- Tomorrow, the Goodyear Blimp will do what it does best: provide millions of Americans with a one-of-a-kind view during Sail 4th 250, a marquee nautical event featuring the world's largest gathering of tall ships. Aerial coverage will begin at 7 a.m.

PRNewsWire·Jun 30, 2026
Century Complete Announces New Homes Coming to DL Ranch in Lake Havasu City, AZ

Top national homebuilder will offer one-story, single-family homes from the $300s near Lake Havasu recreation LAKE HAVASU CITY, Ariz., June 30, 2026 /PRNewswire/ -- Century Communities, Inc. (NYSE: CCS)—a top national homebuilder, industry leader in online home sales, and featured on America's Most Trustworthy Companies by Newsweek—announced that DL Ranch, a new community by the Company's Century Complete brand, is coming soon to Lake Havasu City, AZ, offering one-story single-family homes from the $300s designed for modern living.

Business Wire·Jun 30, 2026
Terreno Realty Corporation Announces Lease in Union City, CA

BELLEVUE, Wash.--(BUSINESS WIRE)--Terreno Realty Corporation Announces Lease in Union City, CA.

GlobeNewsWire·Jun 29, 2026
OceanFirst Financial Corp. Completes Previously Announced Sale of $1.3 Billion of New York City Multifamily Loans

RED BANK, N.J., June 29, 2026 (GLOBE NEWSWIRE) -- OceanFirst Financial Corp. (NASDAQ: “OCFC”) (“OceanFirst”), the holding company for OceanFirst Bank N.A. (the “Bank”), today announced that the Bank has completed the previously announced sale of $1.3 billion of multifamily loans. The portfolio is largely in the New York City metropolitan area, and the majority is subject to NYC rent regulations.

Peers Comparison

Key metrics vs top competitors for City Holding Company (CHCO)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CHCO logoCHCOCity Holding CompanyCurrent
$132.78$1.87B14.855.62%33.28%16.94%2.48%
FFIN logoFFINFirst Financial Bankshares, Inc.
$34.67$4.97B19.5911.71%31.14%14.2%—
WSFS logoWSFSWSFS Financial Corporation
$76.24$3.97B14.98-3.05%22.64%11.38%—
SFNC logoSFNCSimmons First National Corporation
$22.75$3.3B-7.71-56.66%-63.53%-10.51%—
NBTB logoNBTBNBT Bancorp Inc.
$49.63$2.58B14.9010.36%19.66%9.83%—
FULT logoFULTFulton Financial Corporation
$24.23$4.63B11.655.03%20.93%11.45%—

Compare CHCO vs Peers

City Holding Company (CHCO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs FFIN

Most directly comparable listed peer for CHCO.

Scale Benchmark

vs MCO

Larger-name benchmark to compare CHCO against a more recognizable public peer.

Peer Set

Compare Top 5

vs FFIN, WSFS, SFNC, NBTB

CHCO SEC Filings & Documents

City Holding Company (CHCO) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 28, 2026·SEC

Material company update

May 28, 2026·SEC

Material company update

Apr 29, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 25, 2026·SEC

FY 2025

Feb 26, 2025·SEC

10-Q Quarterly Reports

6
FY 2026

May 6, 2026·SEC

FY 2025

Nov 5, 2025·SEC

FY 2025

Aug 6, 2025·SEC

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CHCO Frequently Asked Questions

City Holding Company (CHCO) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is City Holding Company growing?

City Holding Company (CHCO) grew revenue by 5.6% over the past year. This is steady growth.

Is CHCO profitable?

Yes, City Holding Company (CHCO) is profitable, generating $131.9M in net income for fiscal year 2025 (33.3% net margin).

Dividend & Returns
Does CHCO pay dividends?

Yes, City Holding Company (CHCO) pays a dividend with a yield of 2.48%. This makes it attractive for income-focused investors.

What is CHCO's return on equity?

City Holding Company (CHCO) has a return on equity (ROE) of 16.9%. This is reasonable for most industries.

Industry Metrics
What is City Holding Company's net interest margin?

City Holding Company (CHCO) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.

What is City Holding Company's efficiency ratio?

City Holding Company (CHCO) has an efficiency ratio of 37.5%. This is excellent, indicating strong cost control.

What if you invested $1,000 in CHCO back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →