CHCO logo
CHCO NASDAQ US

City Holding Company - Common Stock

Financials · Banking Website · IPO Jun 1987
$122.00
▲ +$1.52 (+1.26%)
Vol 120K
9
Quality Score
ok
Deep Check
2/5 ok
Mkt Cap
$1.7B
P/E
13.5
ROE
16.7%
Margin
40.3%
D/E
46.19
Beta
0.52
Div Yield
2.92%
52W
$102–$134

Wall Street Consensus

10 analysts · Apr 2026
0
Strong Buy
0
Buy
7
Hold
1
Sell
2
Strong Sell
0.0%
Buy Rating

Price Chart

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Earnings

Beat rate: 75.0%
Quarter EPS Est EPS Act Surprise
Dec 2025 $2.31 $2.18 $-0.13
Sep 2025 $2.20 $2.41 +$0.21
Jun 2025 $2.00 $2.29 +$0.29
Mar 2025 $1.88 $2.06 +$0.18

Quarterly Revenue & Earnings

Quarter 2024-0… 2024-1… 2025-0… 2025-0… 2025-0… 2025-1…
Revenue — $70.1M $72.4M $75.7M $79.0M $78.1M
Net Income — $28.7M $30.3M $33.4M $35.2M $31.6M

Fundamentals Trend

Metric 2025-06-30 2025-09-02 2025-10-02 2025-11-03 2025-12-03 2026-01-02
ROE (TTM) 16.3% 16.3% 16.3% 16.7% 16.7% 16.7%
P/E (TTM) 14.51 14.70 14.55 13.39 13.75 13.46
Net Margin — 40.3% 40.3% 40.3% 40.3% 40.3%
Gross Margin — — — — — —
D/E Ratio 44.47 44.47 44.47 46.19 46.19 46.19
Current Ratio — — — — — —

Key Ratios

ROA (TTM)
1.9%
P/S (TTM)
4.96
P/B
2.4
EPS (TTM)
$8.77
CF/Share
$8.22
Rev Growth 3Y
-1.4%
52W High
$133.59
52W Low
$102.22
$102.22 52-Week Range $133.59

Financial Health

Free Cash Flow
$33.6M
Net Debt
-$41.9M
Cash
$191.9M
Total Debt
$150.0M
As of Dec 31, 2025

How does CHCO compare to Banking peers?

Peer group: Micro-cap Banking (All) · 289 companies

CHCO ACNB AFBI AMAL AROW

CHCO valuation vs Banking peers

P/E ratio
13.5
▲ 7% above peers (12.6)
vs Peers
vs Industry
Fair value
P/S ratio
5.0
▲ 114% above peers (2.3)
vs Peers
vs Industry
Overvalued
P/B ratio
2.4
▲ 127% above peers (1.1)
vs Peers
vs Industry
Overvalued
Div yield
2.9%
▼ 2% below peers (3.0%)
vs Peers
vs Industry
In line

CHCO profitability vs Banking peers

ROE
16.7%
▲ 86% above peers (9.0%)
vs Peers
vs Industry
Top tier
Net margin
40.3%
▲ 41% above peers (28.6%)
vs Peers
vs Industry
Top tier
Gross margin
—
—
vs Peers
vs Industry
Weak
ROA
1.9%
▲ 104% above peers (1.0%)
vs Peers
vs Industry
Top tier

CHCO financial health vs Banking peers

D/E ratio
46.2
▲ 234% above peers (13.8)
vs Peers
vs Industry
High debt
Current ratio
—
▼ 0% below peers (0.1)
vs Peers
vs Industry
Low liquidity
Beta
0.5
▼ 24% below peers (0.7)
vs Peers
vs Industry
More volatile

CHCO fundamentals radar

CHCO Peer median Industry

CHCO profitability vs leverage

Bubble size = market cap · X = net margin · Y = D/E ratio

CHCO vs peers: key metrics

Related Signals

Bounce Up SL Hit
$122.56 1.50x Sep 16

Dividends

$3.32
/ year
Jan 15, 2026 $0.8700
Oct 15, 2025 $0.8700
Jul 15, 2025 $0.7900
Apr 15, 2025 $0.7900
Jan 15, 2025 $0.7900
Oct 15, 2024 $0.7900
Jul 15, 2024 $0.7150
Apr 12, 2024 $0.7150

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