City (CHCO) Stock Price, News & Analysis

Company Overview

City Holding Company (NASDAQ:CHCO) is a bank holding company headquartered in Charleston, West Virginia, serving as the parent of City National Bank. Tracing its roots to the early 19th century, the organization has evolved from a single state-chartered institution into a diversified financial services company. Over the decades, City Holding has grown through both organic expansion and strategic acquisitions, positioning itself as a regional leader in banking and wealth management across the Mid-Atlantic.

The company’s core business activities encompass a broad spectrum of commercial and consumer banking services. For business clients, City National Bank offers treasury management, commercial lending, lines of credit and industry-specific financing solutions. Retail banking services include deposit accounts, mortgage lending, home equity products and digital banking platforms designed to enhance convenience for individual customers. Through its mortgage division, City Holding Company originates, services and sells residential mortgage loans.

In addition to traditional banking, City Holding Company provides specialized wealth management, trust and brokerage services. Its subsidiary wealth advisors work with high-net-worth individuals, families and institutions, offering investment advisory, estate planning and fiduciary administration. The company has also built an insurance and risk management arm, delivering property and casualty coverage as well as employee benefits consulting for corporate clients.

City Holding’s branch network spans West Virginia, Maryland, Virginia, North Carolina and the District of Columbia, serving both urban centers and smaller communities. Led by President and Chief Executive Officer Kenneth R. Duby alongside a senior leadership team with deep local market expertise, the company continues to pursue targeted growth opportunities while maintaining a focus on personalized service and community engagement throughout its operating regions.

Key Stats

• Today's Range: $124.36 to $126.80
• 50-Day Range: $115.58 to $128.86
• 52-Week Range: $102.22 to $137.28
• Volume: 67,365 shs
• Average Volume: 66,807 shs
• Market Capitalization: $1.82 billion
• P/E Ratio: 15.73
• Dividend Yield: 2.51%
• Price Target: $127.50
• Consensus Rating: Hold

City Stock Analysis - MarketRank™

City scored higher than 28% of companies evaluated by MarketBeat, and ranked 807th out of 933 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 1.0 / 5
• Analyst Rating: Hold

Consensus Rating

City has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no buy ratings, 2 hold ratings, and no sell ratings.

Amount of Analyst Coverage

City has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 5.15%

Earnings Growth

Earnings for City are expected to grow by 5.15% in the coming year, from $7.58 to $7.97 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of City is 15.73, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 26.21.

Price to Earnings Ratio vs. Sector

The P/E ratio of City is 15.73, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.23.

Price to Book Value per Share Ratio

City has a P/B Ratio of 2.53. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 0.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

7.28% of the float of City has been sold short.

Short Interest Ratio / Days to Cover

City has a short interest ratio ("days to cover") of 12, which indicates bearish sentiment.

Change versus previous month

Short interest in City has recently increased by 0.98%, indicating that investor sentiment is decreasing.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

City pays a meaningful dividend of 2.53%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

City has been increasing its dividend for 6 years.

Dividend Coverage

The dividend payout ratio of City is 39.60%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, City will have a dividend payout ratio of 39.65% next year. This indicates that City will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

7.28% of the float of City has been sold short.

Short Interest Ratio / Days to Cover

City has a short interest ratio ("days to cover") of 12, which indicates bearish sentiment.

Change versus previous month

Short interest in City has recently increased by 0.98%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 1.5 / 5
• News Sentiment: 0.70

News Sentiment

City has a news sentiment score of 0.70. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 0.95 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 4 news articles for City this week, compared to 4 articles on an average week.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Balanced

Insider Buying vs. Insider Selling

In the past three months, City insiders have sold just slightly more of their company's stock than they have bought. Specifically, they have bought $283,242.00 in company stock and sold $339,590.00 in company stock. It is common for insiders to sell company stock at intervals simply to diversify their holdings.

Percentage Held by Insiders

Only 1.87% of the stock of City is held by insiders.

Percentage Held by Institutions

72.43% of the stock of City is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

CHCO Stock Analysis - Frequently Asked Questions

How have CHCO shares performed this year?

City's stock was trading at $118.48 at the beginning of 2025. Since then, CHCO shares have increased by 6.1% and is now trading at $125.74.

How were City's earnings last quarter?

City Holding Company (NASDAQ:CHCO) posted its quarterly earnings data on Wednesday, April, 23rd. The bank reported $2.06 earnings per share for the quarter, topping the consensus estimate of $1.84 by $0.22. The bank had revenue of $74.55 million for the quarter, compared to analysts' expectations of $73.28 million. City had a net margin of 30.62% and a trailing twelve-month return on equity of 16.15%.

Who are City's major shareholders?

Top institutional investors of City include Wealth Enhancement Advisory Services LLC (0.09%). Insiders that own company stock include Tracy W Hylton II, Charles R Hageboeck, Robert D Fisher, John A Derito, C Dallas Kayser, James L Rossi, Sharon H Rowe, David L Bumgarner, Jeffrey Dale Legge, J Thomas Jones, Diane W Strong-Treister, Michael T Quinlan Jr, James M Parsons, Charles W Fairchilds and Gregory A Burton.
View institutional ownership trends.

How do I buy shares of City?

Shares of CHCO stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of City own?

Based on aggregate information from My MarketBeat watchlists, some other companies that City investors own include American Water Works (AWK), Waste Connections (WCN), DiamondRock Hospitality (DRH), The RMR Group (RMR), AU Optronics (AUOTY), iShares Micro-Cap ETF (IWC) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Record date for 4/30 Dividend: 4/15/2025
• Ex-Dividend for 4/30 Dividend: 4/15/2025
• Last Earnings: 4/23/2025
• Dividend Payable: 4/30/2025
• Today: 7/13/2025
• Record date for 7/31 Dividend: 7/15/2025
• Ex-Dividend for 7/31 Dividend: 7/15/2025
• Next Earnings (Estimated): 7/22/2025
• Dividend Payable: 7/31/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:CHCO
• CIK: 726854
• Web: www.bankatcity.com
• Phone: (304) 769-1100
• Fax: 304-769-1111
• Employees: 910
• Year Founded: N/A

Price Target and Rating

• Average Price Target for City: $127.50
• High Price Target: $130.00
• Low Price Target: $125.00
• Potential Upside/Downside: +2.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): $7.98
• Trailing P/E Ratio: 15.65
• Forward P/E Ratio: 16.47
• P/E Growth: N/A
• Net Income: $117.10 million
• Net Margins: 30.62%
• Pretax Margin: 37.67%
• Return on Equity: 16.15%
• Return on Assets: 1.82%

Debt

• Debt-to-Equity Ratio: 0.20
• Current Ratio: 0.83
• Quick Ratio: 0.83

Sales & Book Value

• Annual Sales: $379.76 million
• Price / Sales: 4.76
• Cash Flow: $8.86 per share
• Price / Cash Flow: 14.09
• Book Value: $49.70 per share
• Price / Book: 2.51

Miscellaneous

• Outstanding Shares: 14,480,000
• Free Float: 14,212,000
• Market Cap: $1.81 billion
• Optionable: Optionable
• Beta: 0.54