CHCO City Holding Company - Common Stock

NASDAQ · Banking · View on SEC EDGAR ↗
$123.20
Price · May 20, 2026
Fundamentals as of May 6, 2026
52W Range
$113–$134
49% of range
Analyst Rating
HOLD
10 analysts
Price Target
$131
+7% upside
P/E (TTM)
13.3
ROE
16.6%
Net Profit Margin
175.7%

CHCO Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range

Price
$123.20
Market Cap
—
P/E (TTM)
13.3
EPS (TTM)
$8.93
Revenue (TTM)
$74M
Div Yield
—
ROE
16.6%
Debt/Equity
—
52W Range
$113 – $134

CHCO Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view

10-Year Performance Revenue, net income, margins and EPS trends

Revenue & Net Income $74M
8-point trend, +29.3%
2018-12-31 → 2025-12-31
EPS $8.93
10-point trend, +158.8%
2016-12-31 → 2025-12-31
Free Cash Flow $128M
10-point trend, +114.7%
2016-12-31 → 2025-12-31
Margins 175.7%

Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?

Metric
5Y trend
CHCO
Peer Median
P/E (TTM)
5-point trend, -7.6%
13.3
13.8

Profitability Gross, operating and net margins; ROE, ROA, ROIC

Metric
5Y trend
CHCO
Peer Median
Net Profit Margin
5-point trend, +29.5%
175.7%
29.2%
ROA
5-point trend, +32.0%
2.0%
1.1%
ROE
5-point trend, +27.8%
16.6%
9.1%

Financial Health Debt, liquidity, solvency — balance sheet strength

Metric
5Y trend
CHCO
Peer Median

Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR

Metric
5Y trend
CHCO
Peer Median
Revenue YoY
5-point trend, +14.4%
3.2%
—
Revenue CAGR 3Y
5-point trend, +14.4%
2.9%
—
Revenue CAGR 5Y
5-point trend, +14.4%
4.0%
—
EPS YoY
5-point trend, +57.8%
13.2%
—
Net Income YoY
5-point trend, +48.1%
11.4%
—

Per Share Metrics EPS, book value per share, cash flow per share, dividend per share

Metric
5Y trend
CHCO
Peer Median
EPS (Diluted)
5-point trend, +57.8%
$8.93
—

Capital Efficiency Asset turnover, inventory turnover, receivables turnover

Metric
5Y trend
CHCO
Peer Median
Payout Ratio
5-point trend, -11.7%
36.2%
—

Dividends Yield, payout ratio, dividend history, 5Y CAGR

Dividend Yield
—
Payout Ratio
36.2%
5Y Div CAGR
—
Ex-dateAmount
April 15, 2026$0.8700
Jan. 15, 2026$0.8700
Oct. 15, 2025$0.8700
July 15, 2025$0.7900
April 15, 2025$0.7900
Jan. 15, 2025$0.7900
Oct. 15, 2024$0.7900
July 15, 2024$0.7150
April 12, 2024$0.7150
Jan. 11, 2024$0.7150
Oct. 12, 2023$0.7150
July 13, 2023$0.6500
April 13, 2023$0.6500
Jan. 12, 2023$0.6500
Oct. 13, 2022$0.6500
July 14, 2022$0.6000
April 13, 2022$0.6000
Jan. 13, 2022$0.6000
Oct. 14, 2021$0.5800
July 14, 2021$0.5800

CHCO Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside

HOLD 10 analysts
  • Strong Buy 0 0.0%
  • Buy 0 0.0%
  • Hold 7 70.0%
  • Sell 1 10.0%
  • Strong Sell 2 20.0%

12-Month Price Target

5 analysts · 2026-05-14
Median target $132.00 +7.1%
Mean target $131.40 +6.7%

Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date

Avg Surprise
0.11%
Period EPS Actual EPS Est Surprise
March 31, 2026 $2.20 $2.19 0.01%
Dec. 31, 2025 $2.18 $2.31 -0.13%
Sept. 30, 2025 $2.41 $2.20 0.21%
June 30, 2025 $2.29 $2.00 0.29%
March 31, 2025 $2.06 $1.88 0.18%

Peer Comparison Key metrics vs sector peers

Ticker Market Cap P/E Rev YoY Net Margin ROE Gross Margin
CHCO — 13.3 3.2% 175.7% 16.6% —
NWBI $1.75B 13.0 25.3% 19.2% 7.1% —
STEL — 15.5 -2.3% — — —
FCF $1.73B 11.5 9.4% 29.1% 9.9% —
NBHC $1.44B 13.3 2.9% 232.6% 8.0% —
SRCE — 9.7 12.0% 36.5% 13.3% —
CASH — 9.4 5.3% 22.1% 22.1% —
LOB — 15.4 18.3% 18.3% 9.4% —
GABC $1.47B 12.8 37.8% 23.1% 10.1% —
STBA $1.47B 11.3 4.8% 33.4% 9.2% —
BFC $1.20B 16.8 10.4% 41.1% 11.4% —

Full Fundamentals All metrics by year — income statement, balance sheet, cash flow

Income Statement 10
Annual Income Statement data for CHCO
Metric Trend 20252024202320222021202020192018
Revenue 8-point trend, +29.3% $74M $72M $69M $68M $65M $61M $64M $57M
Interest Expense 6-point trend, +102.5% · · $52M $10M $10M $24M $36M $26M
Interest Income 8-point trend, +96.0% $321M $306M $271M $190M $165M $178M $198M $164M
Pretax Income 8-point trend, +83.4% $161M $145M $143M $127M $111M $111M $113M $88M
Income Tax 8-point trend, +72.0% $31M $27M $29M $25M $23M $22M $24M $18M
Net Income 8-point trend, +86.4% $130M $117M $114M $102M $88M $90M $89M $70M
EPS (Basic) 8-point trend, +98.7% $8.94 $7.91 $7.62 $6.81 $5.67 $5.55 $5.43 $4.50
EPS (Diluted) 8-point trend, +98.9% $8.93 $7.89 $7.61 $6.80 $5.66 $5.55 $5.42 $4.49
Shares (Basic) 8-point trend, -6.1% 14,474,000 14,676,000 14,868,000 14,847,000 15,381,000 15,975,000 16,314,000 15,421,000
Shares (Diluted) 8-point trend, -6.2% 14,482,000 14,697,000 14,891,000 14,873,000 15,407,000 15,995,000 16,333,000 15,439,000
Balance Sheet 17
Annual Balance Sheet data for CHCO
Metric Trend 20252024202320222021202020192018
Cash & Equivalents 8-point trend, +56.0% $192M $225M $156M $200M $635M $529M $140M $123M
PP&E (Net) 8-point trend, -11.8% $69M $71M $72M $71M $74M $77M $77M $78M
PP&E (Gross) 8-point trend, +3.8% $179M $177M $182M $177M $178M $178M $173M $172M
Accum. Depreciation 8-point trend, +16.8% $110M $107M $110M $106M $104M $101M $96M $94M
Goodwill 8-point trend, +36.7% $150M $150M $150M $109M $109M $109M $109M $110M
Intangibles 8-point trend, -38.9% $8M $10M $13M $7M $8M $10M $11M $13M
Total Assets 8-point trend, +37.2% $6.72B $6.46B $6.17B $5.88B $6.00B $5.76B $5.02B $4.90B
Deferred Tax 3-point trend, +0.00 · · · · $0 $3M $0 ·
Total Liabilities 8-point trend, +37.6% $5.91B $5.73B $5.49B $5.30B $5.32B $5.06B $4.36B $4.30B
Long-term Debt 4-point trend, +150000000.00 $150M $150M $100M $0 · · · ·
Common Stock Flat — no change across 8 periods $48M $48M $48M $48M $48M $48M $48M $48M
Paid-in Capital 8-point trend, +3.0% $175M $177M $177M $171M $171M $171M $170M $170M
Retained Earnings 8-point trend, +92.4% $935M $853M $780M $707M $642M $590M $539M $486M
Treasury Stock 8-point trend, +208.3% $271M $230M $218M $216M $194M $139M $105M $88M
AOCI 8-point trend, -429.0% $-77M $-116M $-111M $-131M $14M $31M $6M $-14M
Stockholders' Equity 8-point trend, +34.8% $810M $731M $677M $578M $681M $701M $658M $601M
Liabilities + Equity 8-point trend, +37.2% $6.72B $6.46B $6.17B $5.88B $6.00B $5.76B $5.02B $4.90B
Cash Flow 17
Annual Cash Flow data for CHCO
Metric Trend 20252024202320222021202020192018
Stock-based Comp 8-point trend, +57.3% $3M $4M $3M $3M $3M $3M $3M $2M
Deferred Tax 8-point trend, +96.0% $-50.0K $381.0K $-3M $1M $2M $3M $5M $-1M
Amort. of Intangibles 8-point trend, +329.4% $2M $2M $2M $1M $1M $2M $2M $506.0K
Operating Cash Flow 8-point trend, +69.4% $131M $132M $138M $116M $102M $90M $105M $78M
CapEx 8-point trend, -71.3% $3M $3M $3M $2M $3M $6M $5M $10M
Investing Cash Flow 8-point trend, -60.2% $-270M $-252M $15M $-410M $-191M $-285M $-109M $-168M
Debt Issued 5-point trend, +0.00 $0 $50M $100M $0 $0 · · ·
Net Debt Issued 3-point trend, -100.0% $0 $50M $100M · · · · ·
Stock Issued Flat — no change across 2 periods · · · · · · $0 $0
Stock Repurchased 8-point trend, +125.7% $46M $18M $60M $26M $59M $36M $19M $20M
Net Stock Activity 8-point trend, -125.7% $-46M $-18M $-60M $-26M $-59M $-36M $-19M $-20M
Dividends Paid 8-point trend, +59.9% $47M $43M $40M $37M $36M $37M $36M $30M
Financing Cash Flow 8-point trend, -20.0% $105M $189M $-196M $-140M $195M $584M $21M $131M
Net Change in Cash 8-point trend, -182.7% $-33M $69M $-44M $-435M $106M $389M $17M $40M
Taxes Paid 3-point trend, +9.2% $36M $28M $33M · · · · ·
Free Cash Flow 8-point trend, +104.3% $128M $129M $135M $114M $99M $84M $94M $63M
Levered FCF 6-point trend, +119.2% · · $93M $106M $91M $65M $65M $42M
Profitability 4
Annual Profitability data for CHCO
Metric Trend 20252024202320222021202020192018
Net Margin 8-point trend, +44.2% 175.7% 162.7% 165.6% 149.9% 135.7% 146.3% 140.1% 121.8%
Pretax Margin 8-point trend, +41.9% 217.4% 200.7% 207.2% 187.0% 171.2% 181.8% 178.0% 153.2%
ROA 8-point trend, +27.7% 2.0% 1.8% 1.9% 1.7% 1.5% 1.7% 1.8% 1.6%
ROE 8-point trend, +31.8% 16.6% 15.9% 17.8% 18.1% 13.0% 12.9% 13.7% 12.6%
Efficiency 1
Annual Efficiency data for CHCO
Metric Trend 20252024202320222021202020192018
Asset Turnover 8-point trend, -11.0% 0.0 0.0 0.0 0.0 0.0 0.0 0.0 0.0
Per Share 5
Annual Per Share data for CHCO
Metric Trend 20252024202320222021202020192018
Revenue / Share 8-point trend, +37.8% $5.13 $4.90 $4.64 $4.58 $4.21 $3.83 $3.90 $3.72
Cash Flow / Share 8-point trend, +91.7% $9.07 $8.97 $9.24 $7.79 $6.64 $5.61 $6.04 $4.73
Dividend / Share · · · · · · · $2
Dividend Paid / Share 8-point trend, +67.7% $3 $3 $3 $2 $2 $2 $2 $2
EPS (TTM) 8-point trend, +98.9% $8.93 $7.89 $7.61 $6.80 $5.66 $5.55 $5.42 $4.49
Growth Rates 10
Annual Growth Rates data for CHCO
Metric Trend 20252024202320222021202020192018
Revenue YoY 5-point trend, -47.4% 3.2% 4.2% 1.4% 4.9% 6.1% · · ·
Revenue CAGR 3Y 3-point trend, -28.3% 2.9% 3.5% 4.1% · · · · ·
Revenue CAGR 5Y 4.0% · · · · · · ·
EPS YoY 5-point trend, +565.7% 13.2% 3.7% 11.9% 20.1% 2.0% · · ·
EPS CAGR 3Y 3-point trend, -14.3% 9.5% 11.7% 11.1% · · · · ·
EPS CAGR 5Y 10.0% · · · · · · ·
Net Income YoY 5-point trend, +776.3% 11.4% 2.4% 12.0% 15.9% -1.7% · · ·
Net Income CAGR 3Y 3-point trend, +0.6% 8.5% 10.0% 8.5% · · · · ·
Net Income CAGR 5Y 7.8% · · · · · · ·
Dividend CAGR 5Y 5.2% · · · · · · ·
Valuation (TTM) 6
Annual Valuation (TTM) data for CHCO
Metric Trend 20252024202320222021202020192018
Revenue TTM 8-point trend, +29.3% $74M $72M $69M $68M $65M $61M $64M $57M
Net Income TTM 8-point trend, +86.4% $130M $117M $114M $102M $88M $90M $89M $70M
P/E 8-point trend, -11.3% 13.3 15.0 14.5 13.7 14.5 12.5 15.1 15.1
Earnings Yield 8-point trend, +12.8% 7.5% 6.7% 6.9% 7.3% 6.9% 8.0% 6.6% 6.6%
Payout Ratio 8-point trend, -14.2% 36.2% 37.1% 35.0% 36.0% 41.0% 40.9% 39.8% 42.3%
Annual Payout 8-point trend, +59.9% $47M $43M $40M $37M $36M $37M $36M $30M

Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years

Income Statement
2025-12-312024-12-312023-12-312022-12-312021-12-31
Revenue $74M$72M$69M$68M$65M
Net Income $130M$117M$114M$102M$88M
Diluted EPS $8.93$7.89$7.61$6.80$5.66
Cash Flow
2025-12-312024-12-312023-12-312022-12-312021-12-31
Free Cash Flow $128M$129M$135M$114M$99M

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