City Holding Company (CHCO)
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Trading Day
Key levels of the most recently completed trading day — not a live quote.
52-Week Range
Current price 145.10 $ — 100% of the range above the low.
Lowest and highest closing price over the last 52 weeks. The marker shows where the current price sits within that range: close to the high speaks for strength, close to the low for weakness.
Basics
Performance
Technical Indicators
Calculated from the price history · as of 08/03/2026
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Growth Score
6 of 10 Solid growthTen checks against the annual reports — each one passed counts a point.
- Revenue grows by more than 15% a year over three years 15.3% passed
- More than 10% revenue growth is expected for the coming year 3.0% failed
- Share count grows by less than 3% a year -1.2% passed
- Revenue growth plus cash-flow margin add up to at least 40 ("Rule of 40") 38.4% failed
- Gross margin at 40% or higher and without meaningful erosion 79.0% failed
- Goodwill from acquisitions does not grow faster than revenue 2.2% passed
- Net debt below twice EBITDA 462 m net cash passed
- Operating cash flow covers the profits of the last three years 39 m passed
- Return on capital at 15% or higher, or up versus two years ago 15.4% passed
- Insiders hold at least 10% or are net buyers 3.8% failed
A criterion without figures counts neither as passed nor as failed; a score is only produced from 7 judgeable criteria upwards. Source: fundamental data. All ten criteria in detail
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Analysts & Price Target
The price target sits 3.7% below the current price.
- Consensus
- Hold
- Analyst Ratings
- 5
Combined picture of the price targets and recommendations of every analyst covering the stock. Price targets are expectations for the next 12 months, not promises — and they often follow the price rather than predict it.
Estimates by Fiscal Year
| Fiscal Year | EPS Estimate ($) | EPS Range ($) | Revenue Estimate ($M) | Expected Growth | Analysts |
|---|---|---|---|---|---|
| 12/31/2026 | 9.26 | 9.16 – 9.35 | 328 | 3.7% | 5 |
| 12/31/2027 | 9.58 | 9.37 – 9.75 | 337 | 3.4% | 5 |
Average of the analyst estimates for the coming fiscal years. The range shows how far the most optimistic and the most cautious estimate sit apart — the wider it is, the less certain the expectation.
Next Reporting Date
- Expected Earnings per Share
- 2.37 $
Expected date of the next quarterly or annual figures. Dates do shift occasionally — only the invitation issued by the company is binding.
Revenue & Profit
Cash Flow
Balance Sheet
Margins
Per Share
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· Total · per year
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The figures could not be loaded right now.
Source: fundamental data
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 1.95 | 5.00 | 93 | 10.80 | 30.70 | 34 | 33 |
| 2025: Q1 | 2.07 | 4.10 | 94 | 5.30 | 32.30 | 32 | 31 |
| 2025: Q2 | 2.31 | 16.60 | 97 | 4.80 | 34.40 | 28 | 28 |
| 2025: Q3 | 2.43 | 19.60 | 100 | 4.10 | 35.20 | 37 | 36 |
| 2025: Q4 | 2.20 | 12.70 | 101 | 8.40 | 31.20 | 34 | 34 |
| 2026: Q1 | 2.22 | 7.20 | 98 | 4.70 | 32.30 | 38 | 37 |
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
Annual Figures
| Fiscal Year | Revenue ($M) | EBIT ($M) | Net Income ($M) | EPS ($) | Operating Cash Flow ($M) | Equity ($M) | Total Assets ($M) |
|---|---|---|---|---|---|---|---|
| 2016 | 187 | 77 | 52 | 3.50 | 65 | 442 | 3,970 |
| 2017 | 203 | 91 | 54 | 3.52 | 76 | 502 | 4,132 |
| 2018 | 220 | 88 | 70 | 4.53 | 78 | 604 | 4,901 |
| 2019 | 261 | 113 | 89 | 5.47 | 99 | 5,015 | 5,019 |
| 2020 | 255 | 111 | 90 | 5.60 | 90 | 701 | 5,759 |
| 2021 | 229 | 111 | 88 | 5.72 | 102 | 681 | 6,004 |
| 2022 | 256 | 127 | 102 | 6.86 | 116 | 578 | 5,878 |
| 2023 | 334 | 143 | 114 | 7.68 | 138 | 677 | 6,168 |
| 2024 | 371 | 145 | 117 | 7.97 | 132 | 731 | 6,459 |
| 2025 | 392 | 163 | 130 | 9.08 | 131 | 810 | 6,722 |
Fiscal years from the audited annual reports, oldest first. EBIT is the operating profit before interest and taxes; total assets are everything the company owns.
About the Company
City Holding Company ist als Finanzholdinggesellschaft der City National Bank of West Virginia tätig, die Bank-, Treuhand- und Anlageverwaltungs- sowie andere Finanzlösungen in den USA anbietet. Sie bietet Giro-, Spar- und Geldmarktkonten sowie Festgeld…
| CEO Insider Trades (12 Mo.) | selling own stock |
|---|---|
| Employees | 924 |
| Headquarters | Charleston, WV |
| Address | 25 Gatewater Road, 25313 Charleston, United States |
| Phone | 304 769 1100 |
| Website | bankatcity.com |
| IPO Date | 19. Feb 1993 |
| ISIN | US1778351056 |
| Stock Split | 11:10 on 10/30/1996 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Charles R. Hageboeck Ph.D. | President, CEO & Director | 1962 |
| David L. Bumgarner CPA | Senior Executive VP & CFO | 1965 |
| Jeffrey Dale Legge | Executive VP of Operations, Chief Administrative Officer & Chief Information Officer | 1964 |
| Michael T. Quinlan Jr. | Executive Vice President of Retail Banking | 1969 |
| Victoria A. Evans-Faw | Senior VP & Corporate Secretary | – |
| Timothy J. Whittaker | Executive Vice President of Commercial Banking | 1974 |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Insider Transactions
| Date | Person | Role | Type | Shares | Price | Value |
|---|---|---|---|---|---|---|
| 30. Jul 2026 | Hageboeck Charles R | President & CEO | Sell | 4,485 | 144.96 | 650,129 |
| 21. Jul 2026 | Strong-Treister Diane W | Director | Buy | 110 | 134.55 | 14,801 |
| 21. Jul 2026 | Reyes Javier A | Director | Buy | 83 | 134.55 | 11,168 |
| 21. Jul 2026 | Hoyer James A | Director | Buy | 95 | 134.55 | 12,782 |
| 21. Jul 2026 | Fisher Robert D | Director | Buy | 156 | 134.55 | 20,990 |
| 21. Jul 2026 | Jones J. Thomas | Director | Other | 730 | 0.00 | – |
| 20. Apr 2026 | Diane W Strong-Treister | Director | Buy | 119 | 126.36 | 15,037 |
| 20. Apr 2026 | Javier A Reyes | Director | Buy | 103 | 126.36 | 13,015 |
| 20. Apr 2026 | Robert D Fisher | Director | Buy | 133 | 126.36 | 16,806 |
Reportable transactions by officers and major shareholders from SEC Form 4 filings. "Other" includes things like stock grants and option exercises without a buy/sell character.
View all insider transactions →Chart
Interactive price chart (TradingView).
Data as of: July 31, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.