City (CHCO) Stock Price, News & Analysis

Company Overview

City Holding Company (NASDAQ:CHCO) is a bank holding company headquartered in Morgantown, West Virginia. Through its wholly owned subsidiary, City National Bank, the company offers a full range of banking and financial services to individuals, businesses and nonprofit organizations. Its operations emphasize community-oriented banking, combining local decision-making with access to digital banking platforms.

The company’s product portfolio includes deposit accounts such as checking, savings and money market accounts, as well as consumer and commercial lending solutions ranging from personal loans and mortgages to commercial real estate and equipment financing. City Holding Company also provides treasury management services, including cash-management tools and merchant services, designed to help businesses optimize liquidity and streamline collections and payments.

In addition to core banking products, City Holding Company offers wealth management and trust services, encompassing investment advisory, retirement planning and fiduciary services. The company’s insurance and brokerage divisions deliver property and casualty insurance, life and health coverage, and securities brokerage to meet the broader financial needs of its clients.

City Holding Company serves communities across West Virginia, southwestern Pennsylvania, eastern Ohio and western Maryland through its network of branches, ATMs and online channels. With a focus on local engagement and long-term relationships, the company seeks to support regional economic growth and deliver personalized financial solutions.

Key Stats

• Today's Range: $118.39 to $122.54
• 50-Day Range: $118.46 to $130.15
• 52-Week Range: $102.22 to $137.28
• Volume: 86,632 shs
• Average Volume: 84,866 shs
• Market Capitalization: $1.72 billion
• P/E Ratio: 14.26
• Dividend Yield: 2.67%
• Price Target: $133.25
• Consensus Rating: Hold

City Stock Analysis - MarketRank™

City scored higher than 71% of companies evaluated by MarketBeat, and ranked 503rd out of 947 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: 3.1 / 5
• Analyst Rating: Hold

Consensus Rating

City has received a consensus rating of Hold. The company's average rating score is 2.17, and is based on 1 buy rating, 5 hold ratings, and no sell ratings.

Upside Potential

City has a consensus price target of $133.25, representing about 12.5% upside from its current price of $118.46.

Amount of Analyst Coverage

City has been the subject of 5 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

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 14.26, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 231.00.

Price to Earnings Ratio vs. Sector

The P/E ratio of City is 14.26, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 29.76.

Price to Book Value per Share Ratio

City has a P/B Ratio of 2.38. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 1.0 / 5
• Short Interest Level: Bearish

Percentage of Shares Shorted

6.60% 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 8.

Change versus previous month

Short interest in City has recently increased by 1.17%, indicating that investor sentiment is decreasing.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

City pays a meaningful dividend of 2.58%, 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 41.88%. 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 43.66% 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

6.60% 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 8.

Change versus previous month

Short interest in City has recently increased by 1.17%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: 1.03

News Sentiment

City has a news sentiment score of 1.03. 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 higher news sentiment than the 0.85 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for City this week, compared to 4 articles on an average week.

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, City insiders have sold 1,083.92% more of their company's stock than they have bought. Specifically, they have bought $38,750.00 in company stock and sold $458,770.00 in company stock.

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 the year. Since then, CHCO shares have decreased by 0.0% and is now trading at $118.46.

How were City's earnings last quarter?

City Holding Company (NASDAQ:CHCO) issued its earnings results on Tuesday, July, 22nd. The bank reported $2.29 earnings per share (EPS) for the quarter, beating analysts' consensus estimates of $1.97 by $0.32. The bank earned $78.16 million during the quarter, compared to analyst estimates of $76.10 million. City had a net margin of 31.35% and a trailing twelve-month return on equity of 16.30%.

Who are City's major shareholders?

Top institutional shareholders of City include Carolina Wealth Advisors LLC (0.31%) and Voya Investment Management LLC (0.02%). Insiders that own company stock include Tracy W Hylton II, Robert D Fisher, Charles R Hageboeck, 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, James M Parsons, Michael T Quinlan Jr, Javier A Reyes, 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), AUO (AUOTY), iShares Micro-Cap ETF (IWC) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Record date for 7/31 Dividend: 7/15/2025
• Ex-Dividend for 7/31 Dividend: 7/15/2025
• Last Earnings: 7/22/2025
• Dividend Payable: 7/31/2025
• Today: 10/10/2025
• Record date for 10/31 Dividend: 10/15/2025
• Ex-Dividend for 10/31 Dividend: 10/15/2025
• Next Earnings (Estimated): 10/23/2025
• Dividend Payable: 10/31/2025
• 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: 1957

Price Target and Rating

• Average Price Target for City: $133.25
• High Price Target: $137.00
• Low Price Target: $125.00
• Potential Upside/Downside: +10.8%
• Consensus Rating: Hold
• Rating Score (0-4): 2.17
• Research Coverage: 6 Analysts

Profitability

• EPS (Trailing Twelve Months): $8.31
• Trailing P/E Ratio: 14.47
• Forward P/E Ratio: 15.87
• P/E Growth: N/A
• Net Income: $117.10 million
• Net Margins: 31.35%
• Pretax Margin: 38.48%
• Return on Equity: 16.30%
• Return on Assets: 1.87%

Debt

• Debt-to-Equity Ratio: 0.20
• Current Ratio: 0.81
• Quick Ratio: 0.81

Sales & Book Value

• Annual Sales: $291.78 million
• Price / Sales: 5.98
• Cash Flow: $8.72 per share
• Price / Cash Flow: 13.79
• Book Value: $49.70 per share
• Price / Book: 2.42

Miscellaneous

• Outstanding Shares: 14,495,000
• Free Float: 14,224,000
• Market Cap: $1.74 billion
• Optionable: Optionable
• Beta: 0.53