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CHCO

City Holding Company

CHCO

NASDAQ·Financial Services·Banks - Regional·Mkt cap $1.9B

$134.85

▼ -0.30%

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Our plain-language verdict, the thesis, risk factors, and what is changing about the business.

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52-Week Range

$113.21 - $135.91

P/E

14.85

Fwd P/E

14.89

Beta

0.49

Div Yield

2.51%

Avg Vol

116.2K

Shares Out

14.4M

Mkt Cap

$1.9B

Price action

Price chart

Up 6.2% over the trailing year

1W
1M
3M
6M
YTD
1Y
5Y
MAX

Total returns

Price performance

Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.

Why we rate it this way

The thesis at a glance

Bull and bear case · plain-English context across the five lenses we evaluate.

▲

Bull Case

5 reasons

  • Regional market dominance with 94-branch network in underserved Appalachian markets
  • Diversified revenue streams reducing reliance on net interest margin alone
  • Established trust and wealth management capabilities attracting high-net-worth clients
  • Local decision-making and personalized service differentiating from national competitors
  • Strong deposit base providing stable, low-cost funding for loan growth
▼

Bear Case

2 risks

  • Low volatility (beta 0.5).
  • Growth premium of 1.3x vs Commercial Banking peers. Reasonable for this growth rate.

Growth

Mild headwinds expected

Expansion of commercial lending to small and mid-size businesses in growing markets

Value

Growth premium of 1.3x vs Commercial Banking peers. Reasonable for this growth rate.

Momentum

Strong

+10.9% over 3m

Quality

Excellent

High-growth business (31% revenue growth, 80% gross margin). Profitable with strong growth momentum.

Dividend

Solid

2.51% yield

Earnings track record

Recent earnings results

AI-summarized recap of last quarter, plus the surprise on every print.

Next: Apr 22, 2026

“
Q2 26 RECAP

APR 23, 2026

Reported EPS of $2.20 vs $2.17 consensus (+1.4% surprise). Revenue of $79.2M vs $79.3M expected (-0.1%).

EPS beat +1.4%
Revenue miss

EPS surprise · last 4Q

1 of 1 beats

Q2 26

+1.4%

Next: Apr 22, 2026

Revenue trend · last 8Q

—

—

—

+3%

+6%

+7%

+14%

+36%

Q2 24

Q3 24

Q4 24

Q1 25

Q2 25

Q3 25

Q4 25

Q1 26

$71.2M

$73.7M

$70.1M

$72.4M

$75.7M

$100.0M

$101.1M

$98.4M

Margins · last 8Q

Gross

79.9%

Operating

39.9%

Profit

32.3%

View full earnings history →

Wall Street consensus

1 analyst · 0% Buy

Live ratings and price targets aggregated across covering analysts.

Buy

0%

Hold

1

100%

Sell

0%

Median Price Target

—

Latest: Piper Sandler · $130.00 · Jan 23, 2026

View full analyst page →

vs Industry

How CHCO stacks vs Banks - Regional

Stock metrics vs industry averages. Green = better than industry.

Industry comparison data unavailable for this stock.