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Company Analysis

City Holding Company CHCO

A comprehensive view of key metrics, scores, and financial health for City Holding Company

Overview of City Holding Company

CHCO NMS
Financial Services Banks - Regional Small Cap
City Holding Company (CHCO), is a Small Cap company, in the Banks - Regional industry, last closed at $118.61, about 51.5% overvalued vs fair value, +0.9% 1Y return, ranked 252/1004 in sector.
$118.61
0.51%
As of March 13, 2026
Previous close • Vol 90d: 18.0%
52-Week Range
Market Cap
$1.71B
Enterprise Value
$2.12B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.bankatcity.com
HQ Charleston, WV
Employees 934
Fiscal year Dec 31

Next Events

Earnings Apr 23 Estimated

Fair Value Snapshot

Bear Base Bull
$32
$58
$108
Current: $118.61 -52% vs base

Engine Room Money Flow™

Small Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$306.4M
13%%
Interest Expense
$84.8M
Net Interest Income
$220.2M
0.5%%
Total Revenue
$392.1M
37.6%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
15.9%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$61.4M
52.9% of Net Income

Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
1
Active Leaks
0/1
Improving
0
High Impact
0
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating City Holding Company's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
79
/100
Strong
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
90
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CHCO's balance between Growth (18.3%), Profitability (40.8%), and Safety (40.9%). Growth 18% Safety 41% Profitability 41%

Click axes to expand details. Marker shows current allocation.

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Growth

42th percentile vs peers
42
Key Signals
Asset Growth YoY 4.1% 52p Revenue CAGR 3Y 16.8% 44p Rev Growth YoY 37.5% 32p
Strengths
  • Roe in top 20% of peers (16.6%, 94th percentile)
  • Roa in top 20% of peers (1.8%, 93th percentile)
  • Operating Margin in top 20% of peers (41.5%, 92th percentile)
Risks

No significant risks identified for this axis.

Profitability

94th percentile vs peers
94
Key Signals
Strengths
Risks
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Safety

94th percentile vs peers
94
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for City Holding Company.

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$57.57
- - -
-51.5% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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