City Holding Co
CITY HOLDING CO is classified under Financials / Banks and appears profitable on the latest normalized snapshot.
Business. CITY HOLDING CO (CHCO) is a commercial bank operating within the Banking Services industry group. The company is headquartered in the United States and is primarily listed on the Nasdaq stock exchange. Specific details regarding its operating segments and geographic mix are not provided in the available data.
Analyst recommendations
5 analysts · consensus HoldAt a glance
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
News & coverage
1Sector rotation
Developing storylines
Analysis
AI analysisOpportunity
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
CITY HOLDING CO (CHCO) is a commercial bank operating within the Banking Services industry group. The company is headquartered in the United States and is primarily listed on the Nasdaq stock exchange. Specific details regarding its operating segments and geographic mix are not provided in the available data.
CITY HOLDING CO (CHCO) is currently classified as Commercial Banks within Banks (Financials). Classification confidence: 0.98 (rule-based classification). Capital structure on the latest snapshot: total assets 6,760,269,000 USD, total equity 794,390,000, short-term debt 0, long-term debt 0. Net cash position is approximately 299,017,000 USD. Self-calculated market cap is 1,986,512,580 USD (market_price × shares_outstanding_diluted). Profitability profile: revenue 0, gross profit 0, operating income 0, net income 31,735,000. Return on equity ~4.0%. Return on assets ~0.5%. Operating-cash-flow to net-income ratio is 1.20. Risk profile from automated assessment: liquidity risk low, dilution risk unknown. Flags: Dilution risk could not be assessed (basic + diluted share counts missing).. Recent news context: [TRIGGER] 8-K: 8-K (sec_8k_material) on CHCO — filing_type=8-K; max_severity=medium; ignored_items=['9.01']; material_items=['2.02']; all_items_found=['2.02', '9.01']; severity_per_code={'2.02': 'medium'}; contributing_watchers=sec_8k_material (source=sec_8k_material; url=0000726854-26-000160). Additional context: 8-K: filing_type=8-K; max_severity=medium; ignored_items=['9.01']; material_items=['2.02']; all_items_found=['2.02', '9.01']; severity_per_code={'2.02': 'medium'}; contributing_watchers=sec_8k_material. Comparable peers identified within the same class: JPMorgan Chase, Bank of America, Citigroup.
- Observed GAAP P/E is about 62.6x.
- Return on equity is about 4.0%.
- Debt to equity is about 0.0x.
- [TRIGGER] 8-K: 8-K (sec_8k_material) on CHCO — filing_type=8-K; max_severity=medium; ignored_items=['9.01']; material_items=['2.02']; all_items_found=['2.02', '9.01']; severity_per_code={'2.02': 'medium'}; contributing_watchers=sec_8k_material (source=sec_8k_material; url=0000726854-26-000160)
- Likely peers from the same classification include JPMorgan Chase, Bank of America, Citigroup.
- Companyfacts coverage was partial; recent filing facts backfilled goodwill, intangible_assets.
Bull / Bear case
Generated · model-assistedCity Holding Co maintains a zero debt-to-equity ratio, significantly below the 0.30 median for its banking cohort.
The company generated $128.4 million in free cash flow for FY2025, demonstrating consistent cash generation capabilities.
Cash conversion of 1.2 exceeds the 1.14 median for the banking cohort, indicating efficient profit realization.
Total assets grew at a 2.3% CAGR over five years, reflecting steady balance sheet expansion.
Equity expanded at a 3.9% CAGR over five years, supporting long-term capital base growth.
Net income declined 10.3% year-over-year in FY2025, signaling a recent deterioration in profitability trends.
Return on equity of 3.99% trails the 6.33% median for the banking cohort, indicating inferior capital efficiency.
Total assets contracted 3.9% year-over-year in FY2025, suggesting a shrinking balance sheet scale.
Equity decreased 9.8% year-over-year in FY2025, reflecting a significant reduction in shareholder capital.
The stock trades at $139.17, implying a 5.2% downside to the $132.00 consensus price target.
In focus — financials by report
Valuation FY
Revenue by segment
Business relationships
Supply chain
Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 9,21 |
| Revenue | —no estimate | —no estimate | 326,1M USD |
| Operating income | —no estimate | —no estimate | 164,7M USD |
Options
Short squeeze
Earnings-call key lines
Consensus distribution
sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
Benchmarks vs cohort
Corporate actions / M&A
FX exposure
Comparable transactions
Derivatives & instruments
Derivative transactions
- EVP, Commercial Lending · Restricted Stock Unit → Common StockAcquired 348grant · 2026-02-25
- EVP & Chief Financial Officer · Restricted Stock Unit → Common StockAcquired 534grant · 2026-02-25
- EVP, Retail Banking · Restricted Stock Unit → Common StockAcquired 610grant · 2026-02-25
- EVP, CAO & CIO · Restricted Stock Unit → Common StockAcquired 348grant · 2026-02-25
- Director, President & CEO · Restricted Stock Unit → Common StockAcquired 1 365grant · 2026-02-25
- EVP, CAO & CIO · Restricted Stock Unit → Common StockDisposed 163exercise · 2026-02-24
- EVP, Retail Banking · Restricted Stock Unit → Common StockDisposed 145exercise · 2026-02-24
Actions
Ask Handelsavisen
- Market data
- Regulatory filings
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Reference data
- Price To Tangible Bookmarket_price / (tangible_book_value / shares_outstanding_diluted)
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Return On Equitynet_income / total_equity
- Enterprise Valuemarket_cap - net_cash
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
- Market Priceinput from market-data provider (delayed close or quote-shim mid)
- CITY HOLDING CO company facts · 2026-07-23
- CITY HOLDING CO 10-Q 2026-05-06 · 2026-07-23
- CITY HOLDING CO 10-K 2026-02-25 · 2026-07-23
- CITY HOLDING CO 10-Q 2025-11-05 · 2026-07-23
- CITY HOLDING CO 10-Q 2025-08-06 · 2026-07-23
- 8-K (sec_8k_material) on CHCO · 2026-07-23
- City Holding Co Market data — analyst estimates · 2026-07-23
- City Holding Co Market data — ESG · 2026-07-23
- CITY HOLDING CO HA canonical relationships · 2026-07-23
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,01 %$56M
- Investment Managers · as of 2026-03-310,01 %$59M
- Investment Managers · as of 2026-03-310,01 %$12M
- Investment Managers · as of 2026-03-310,01 %$7M
- Investment Managers · as of 2024-06-300,01 %$227M
- Investment Managers · as of 2026-03-310,00 %$8M
- Investment Managers · as of 2026-03-310,00 %$6M
- Investment Managers · as of 2025-12-310,00 %$199M
- Investment Managers · as of 2026-03-310,00 %$83M
- Investment Managers · as of 2026-03-310,00 %$43M
- Institutional Investor · as of 2026-03-310,00 %$14M
- Investment Managers · as of 2026-03-310,00 %$18M
- Investment Managers · as of 2026-03-310,00 %$9M
- Investment Managers · as of 2026-03-310,00 %$11M
- Investment Managers · as of 2026-03-310,00 %$24M
- Investment Managers · as of 2024-12-310,00 %$5M
- Funds · as of 2026-03-310,00 %$8M
- Institutional Investor · as of 2022-09-300,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$2M
- Institutional Investor · as of 2026-03-310,00 %$3M
- Investment Managers · as of 2026-03-310,00 %$2M
- Brokerage Firms · as of 2026-03-310,00 %$3M
- Institutional Investor · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
Insider activity
- Director, President & CEO · Common StockSold 4 485 @ $144,96$650K · 2026-07-30
- Director · Common StockBought 95 @ $134,55$13K · 2026-07-21
- Director · Common StockBought 156 @ $134,55$21K · 2026-07-21
- Director · Common StockOther 730 · 2026-07-21
- Director · Common StockBought 110 @ $134,55$15K · 2026-07-21
- Director · Common StockBought 83 @ $134,55$11K · 2026-07-21
- Director, President & CEO · Common StockSold 1 858 @ $124,40$231K · 2026-05-29
- EVP, CAO & CIO · Common StockSold 1 309 @ $125,00$164K · 2026-05-26
- EVP & Chief Financial Officer · Common StockSold 1 161 @ $124,50$145K · 2026-05-22
- EVP & Chief Financial Officer · Common StockSold 805 @ $124,50$100K · 2026-05-20
- Director · Common StockBought 100 @ $121,60$12K · 2026-05-12
- EVP & Chief Financial Officer · Common StockSold 402 @ $125,00$50K · 2026-05-06
- EVP, Retail Banking · Common StockSold 1 210 @ $126,09$153K · 2026-04-28
- Director, President & CEO · Common StockSold 5 855 @ $125,30$734K · 2026-04-28
- Director, President & CEO · Common StockSold 375 @ $125,00$47K · 2026-04-27
- Director · Common StockBought 119 @ $126,36$15K · 2026-04-20
- Director · Common StockBought 103 @ $126,36$13K · 2026-04-20
- Director · Common StockBought 133 @ $126,36$17K · 2026-04-20
- Director · Common StockBought 103 @ $126,36$13K · 2026-04-20
- Director · Common StockBought 105 @ $115,88$12K · 2026-03-09
- Director · Common StockBought 129 @ $115,88$15K · 2026-03-09
- Director · Common StockBought 106 @ $115,88$12K · 2026-03-09
- Director · Common StockBought 213 @ $115,88$25K · 2026-03-09
- EVP & Chief Financial Officer · Common StockOther 2 047 · 2026-02-25
- EVP, CAO & CIO · Common StockOther 1 465 · 2026-02-25
Short positioning
Geographic breakdown
Intel & risk
Evidence & claims
From filings & derived data- Long-term debt (annual): USD 150MUnknown
- Capex (annual): USD 2.92MUnknown
- Operating cash flow (annual): USD 131.37MUnknown
- Total assets (annual): USD 6.72BUnknown
- Pre-tax income (annual): USD 161.47MUnknown
- Cash & equivalents (annual): USD 191.92MUnknown
- Total liabilities (annual): USD 5.91BUnknown
- EPS (diluted) (annual): USD-PER-SHARES 9Unknown
- Shareholders' equity (annual): USD 809.68MUnknown
- Net income (annual): USD 130.49MUnknown
- EPS (basic) (annual): USD-PER-SHARES 9Unknown
- Capex (annual): USD 2.71MUnknown
- EPS (basic) (annual): USD-PER-SHARES 8Unknown
- Shareholders' equity (annual): USD 730.66MUnknown
- EPS (diluted) (annual): USD-PER-SHARES 8Unknown
- Total assets (annual): USD 6.46BUnknown
- Cash & equivalents (annual): USD 225.39MUnknown
- Operating cash flow (annual): USD 131.9MUnknown
- Total liabilities (annual): USD 5.73BUnknown
- Net income (annual): USD 117.1MUnknown
- Pre-tax income (annual): USD 144.52MUnknown