City Holding/$CHCO
1D1W1MYTD1Y5YMAX
Capital at risk
About City Holding
City Holding Co is a financial holding company. The company conducts its principal activities through its wholly-owned subsidiary, City National Bank of West Virginia (City National). Through the bank, it provides banking, trust and investment management, and other financial solutions through its network of banking offices located in the states of West Virginia, Virginia, southeastern Ohio, and Kentucky. It offers various products and services such as overdraft facilities, savings accounts, credit cards and debit cards, loans for various purposes, investment advisory, securities brokerage, insurance products, and others. The company's business activities are currently limited to one reportable business segment, which is community banking.
- Ticker
- $CHCO
- Sector
- Finance
- Primary listing
- NASDAQ
- Employees
- 934
- Headquarters
- Charleston, United States
- Website
- www.bankatcity.com
City Holding Metrics
BasicAdvanced
$2B
15.29
$9.13
0.47
$3.48
2.49%
Price and volume
Market cap
$2B
Beta
0.47
52-week high
$148.99
52-week low
$113.21
Average daily volume
110K
Dividend rate
$3.48
Financial strength
Dividend payout ratio (TTM)
37.19%
Profitability
Net profit margin (TTM)
41.12%
Operating margin (TTM)
53.11%
Effective tax rate (TTM)
19.63%
Revenue per employee (TTM)
$340,000
Management effectiveness
Return on assets (TTM)
1.97%
Return on equity (TTM)
16.75%
Valuation
Price to earnings (TTM)
15.287
Price to revenue (TTM)
6.219
Price to book
2.42
Price to tangible book (TTM)
3.01
Price to free cash flow (TTM)
14.387
Free cash flow yield (TTM)
6.95%
Free cash flow per share (TTM)
9.702
Dividend yield (TTM)
2.49%
Forward dividend yield
2.49%
Growth
Revenue change (TTM)
6.37%
Earnings per share change (TTM)
10.05%
3-year revenue growth (CAGR)
4.49%
3-year earnings per share growth (CAGR)
5.96%
10-year earnings per share growth (CAGR)
11.13%
3-year dividend per share growth (CAGR)
10.21%
10-year dividend per share growth (CAGR)
7.43%
What the Analysts think about City Holding
Analyst ratings (Buy, Hold, Sell) for City Holding stock.
Analyst projections of the future price of City Holding stock.
Bulls say / Bears say
City Holding delivered $2.35 of diluted EPS in the second quarter, beating expectations, while net income was $33.3 million. Net interest income rose 1.9% sequentially and the bank maintained a strong 1.98% return on assets and 20.7% return on tangible equity. (City National Bank, WTOP News)
Credit quality improved in the second quarter: non-performing assets fell to 0.24% of loans and other real estate owned from 0.27% three months earlier, while past-due loans remained just 0.19% of total loans. This gives the bank a relatively strong buffer against credit losses. (City National Bank, Last10K)
The bank has room to return capital without weakening its balance sheet: its tangible equity ratio was 9.9% and its Common Equity Tier 1 ratio was 15.0%, both comfortably above well-capitalised requirements. It also declared a $0.87 quarterly dividend and authorised buybacks of up to one million shares, around 7% of shares outstanding. (City National Bank, Business Wire)
Underlying balance-sheet growth was weak in the second quarter: total loans increased only 0.2%, to $4.50 billion. Growth in commercial and industrial lending and home equity was largely offset by declines in residential mortgage and consumer loans, limiting future interest-income growth. (City National Bank, Last10K)
Credit costs are beginning to move in the wrong direction even though headline asset quality is strong. City recorded a $0.4 million provision in the second quarter, versus a $1.9 million recovery a year earlier, mainly after downgrading a commercial real estate loan and raising the historical loss rate for commercial and industrial loans. (City National Bank, Last10K)
The shares appear richly valued after their rally, leaving less room for disappointment. At about 15.4 times earnings, City Holding trades above the US banks industry average of roughly 11.8 times and above the estimated fair multiple of 10.8 times; any slowdown in earnings or loan growth could therefore lead to multiple compression. (Simply Wall St)
Data summarised monthly by Lightyear AI. Last updated on 19 Sept 2026.
City Holding Financial Performance
Revenues and expenses
City Holding Earnings Performance
Company profitability
Upcoming events
No upcoming events
City Holding News
AllArticlesVideos
Funds containing City Holding
AllUSDGBPEUR
Fund name | Fund size | $CHCO weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.11% |
iShares S&P Small Cap 600£ISP6 | £2.4B | 0.11% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.06% |
L&G Global Quality Dividends£LDGG | £279M | 0.04% |
iShares MSCI World Small Cap$WSML | $9B | 0.02% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.