City (CHCO) Stock Price, News & Analysis

Company Overview

City 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; home equity lines of credit; amortized 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, as well as owner-occupied real estate and construction, land development, and lines of credit. 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. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.

Key Stats

• Today's Range: $122.36 to $124.04
• 50-Day Range: $112.29 to $123.42
• 52-Week Range: $0.01 to $137.28
• Volume: 115,454 shs
• Average Volume: 61,895 shs
• Market Capitalization: $1.77 billion
• P/E Ratio: 15.34
• Dividend Yield: 2.58%
• Price Target: $127.50
• Consensus Rating: Hold

City Stock Analysis - MarketRank™

City scored higher than 35% of companies evaluated by MarketBeat, and ranked 765th out of 939 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 15.34, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 24.90.

Price to Earnings Ratio vs. Sector

The P/E ratio of City is 15.34, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.81.

Price to Book Value per Share Ratio

City has a P/B Ratio of 2.46. 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

7.21% 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 14.8, which indicates bearish sentiment.

Change versus previous month

Short interest in City has recently increased by 2.00%, indicating that investor sentiment is decreasing.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

City pays a meaningful dividend of 2.56%, 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

7.21% 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 14.8, which indicates bearish sentiment.

Change versus previous month

Short interest in City has recently increased by 2.00%, indicating that investor sentiment is decreasing.

News and Social Media

• Score: 2.8 / 5
• News Sentiment: 1.07

News Sentiment

City has a news sentiment score of 1.07. 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 0.87 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 7 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 on January 1st, 2025. Since then, CHCO stock has increased by 3.3% and is now trading at $122.42.
View the best growth stocks for 2025 here.

How were City's earnings last quarter?

City Holding Company (NASDAQ:CHCO) announced its quarterly earnings data on Wednesday, April, 23rd. The bank reported $2.06 EPS for the quarter, beating analysts' consensus estimates 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 trailing twelve-month return on equity of 16.15% and a net margin of 30.62%.

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: 6/30/2025
• 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 Stock Price Target: $127.50
• High Stock Price Target: $130.00
• Low Stock Price Target: $125.00
• Potential Upside/Downside: +4.1%
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Most Recent Fiscal Year): $7.98
• Trailing P/E Ratio: 15.34
• Forward P/E Ratio: 16.15
• 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: 4.67
• Cash Flow: $8.80 per share
• Price / Cash Flow: 13.91
• Book Value: $49.70 per share
• Price / Book: 2.46

Miscellaneous

• Outstanding Shares: 14,480,000
• Free Float: 14,212,000
• Market Cap: $1.77 billion
• Optionable: Optionable
• Beta: 0.54