City Holding Company (CHCO) Stock

City Holding Company (CHCO) is a Financials stock trading at $143.99 (as of 2026-08-20), with a market capitalization of $2.02B and a trailing P/E of 15.1. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

City Holding Company is a holding company for City National Bank of West Virginia, providing banking, trust, and investment management services in the United States. It offers deposit products and loans for commercial, commercial real estate, residential, consumer, and related financing, along with mortgage banking services such as construction and production of conventional and government-insured mortgages.

Understand City Holding Company: how it makes money

City Holding Company is a holding company for City National Bank of West Virginia, providing consumer banking products (checking, savings, money market accounts, CDs, and IRAs), commercial and commercial real estate lending, and trust and investment management services, generating revenue from these financial services.

Its profit engine is relationship banking supported by its branch footprint (Number of Branches Operated) and its deposit foundation (Deposit Mix Weight Toward Checking and Savings Accounts), which underpins customer activity across deposits and lending services.

Business quality (Solid): Good transparency on a few operating indicators tied to its banking platform (branches, deposit mix, deposit-account growth), but no official reportable segment revenue breakdown is provided here, which limits how directly investors can tie results to specific business lines.

Valuation: At 14× earnings, CHCO trades 14% above the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Deposit mix skew toward checking and savings: Deposit Mix Weight Toward Checking and Savings Accounts is 59.5%, which suggests a customer base concentrated in those deposit categories.
  • Ongoing customer account growth: New demand deposit accounts are 16,423, indicating continued additions of demand deposit customers.
  • Branch network supports customer relationships: Number of Branches Operated is 97, supporting in-person banking access.

Bear case

  • Credit and portfolio risk in commercial lending: The bank provides commercial and industrial loans and commercial real estate loans, which can increase exposure to borrower and property cycle risk.
  • Holding-company focus: City Holding Company operates as a holding company for a single banking entity (City National Bank of West Virginia), which can concentrate business dynamics in one primary franchise.
Valuation — source: SEC EDGAR (first-party)
Price$143.99
Market Cap$2.02B
P/E Ratio15.1
EV / EBITDA11.2
Price / Book2.50
Price / Sales6.29
FCF Yield6.6%
DCF Value (model)$187.82
DCF Upside vs Price30.4%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$74.29M
Net Margin175.6%
Revenue Growth (YoY)-0.1%
EPS Growth (YoY)2.6%
FCF Growth (YoY)14.3%
Valuation vs Sector & Industry
Stock P/E15.1
Sector P/E (Financials)15.1
Industry P/E (Banking)12.9
vs Sector0.0%
vs Industry17.2%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderBlackRock, Inc. ($242.42M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOCharles R. Hageboeck
Employees942
CountryUS
IPO Date1987-06-26

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CHCO earnings history · CHCO institutional & insider holders · CHCO KPIs & operating metrics · CHCO financials · CHCO investor presentations & press releases · CHCO SEC filings · CHCO peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-20.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.