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City holding companyCHCO.US Overview

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CHCO Recent Performance

1.17%

City holding company

0.23%

Avg of Sector

-0.49%

S&P500

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CHCO Profile

City Holding Company operates as a holding company for City National Bank of West Virginia that provides various banking, trust and investment management, and other financial solutions in the United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. It also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of residence; first-priority home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts. In addition, the company offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government insured mortgages, secondary marketing, and mortgage servicing. Further, it provides deposit services for commercial customers comprising treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. The company operates through a network of 94 branches and 905 full-time equivalent associates in West Virginia, Virginia, Kentucky, and Ohio. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.

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CHCO FAQ

This disclaimer is provided by TradingValley Inc. and includes any messages, news, research, analysis, prices or other information provided by the Company's website, the application "Growin App" and other services provided through the Company's website. It is only general market information for educational and investment decision-making reference, and does not constitute any investment advice. View Growin Disclaimer

CHCO Earnings Table

Unit : USD

QTRNon-GAAP EPSEPS YoYEPS Surprise %SalesSales YoYSales Surprise %NPM
Current
2025Q4
2025Q3
2025Q2
2025Q1
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
9.35
PE Ratio (TTM)
13.76
Forward PE
16.42
PS Ratio (TTM)
5.51
PB Ratio
2.27
Price-to-FCF
13.43
METRIC
VALUE
vs. INDUSTRY
Gross Margin
94.18%
Net Margin
38.85%
Revenue Growth (YoY)
15.55%
Profit Growth (YoY)
8.82%
3-Year Revenue Growth
12.44%
3-Year Profit Growth
4.35%
METRIC
VALUE
vs. INDUSTRY
EPS (TTM)
9.35
PE Ratio (TTM)
13.76
Forward PE
16.42
PS Ratio (TTM)
5.51
PB Ratio
2.27
Price-to-FCF
13.43
Gross Margin
94.18%
Net Margin
38.85%
Revenue Growth (YoY)
15.55%
Profit Growth (YoY)
8.82%
3-Year Revenue Growth
12.44%
3-Year Profit Growth
4.35%

  • When is CHCO's latest earnings report released?

    The most recent financial report for City holding company (CHCO) covers the period of 2026Q1 and was published on 2026/03/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating CHCO's short-term business performance and financial health. For the latest updates on CHCO's earnings releases, visit this page regularly.

  • Where does CHCO fall in the P/E River chart?

    According to historical valuation range analysis, City holding company (CHCO)'s current price-to-earnings (P/E) ratio is 13.44, placing it in the Watch zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning optimistic. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.

  • What is the operating profit of CHCO?

    According to the latest financial report, City holding company (CHCO) reported an Operating Profit of 39.26M with an Operating Margin of 39.9% this period, representing a growth of 6.35% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.

  • How is CHCO's revenue growth?

    In the latest financial report, City holding company (CHCO) announced revenue of 98.4M, with a Year-Over-Year growth rate of 31.99%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.

  • How much debt does CHCO have?

    As of the end of the reporting period, City holding company (CHCO) had total debt of 524.83M, with a debt ratio of 0.08. Short-term debt comprises a higher/lower proportion. The level of financial leverage directly impacts the company's capital structure and interest coverage. If debt is high, pay attention to interest expenses and refinancing risks. Conversely, a low-leverage structure indicates greater risk tolerance but potentially less growth flexibility.

  • How much cash does CHCO have?

    At the end of the period, City holding company (CHCO) held Total Cash and Cash Equivalents of 135.82M, accounting for 0.02 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.

  • Does CHCO go with three margins increasing?

    In the latest report, City holding company (CHCO) achieved the “three margins increasing” benchmark, with a gross margin of 79.93%%, operating margin of 39.9%%, and net margin of 32.25%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess CHCO's profit trajectory and future growth potential.

  • Is CHCO's EPS continuing to grow?

    According to the past four quarterly reports, City holding company (CHCO)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 2.2. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.

  • What is the FCF of CHCO?

    City holding company (CHCO)'s Free Cash Flow (FCF) for the period is 33.61M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 2.43% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.

  • What are the PEG ratio and PE ratio of CHCO?

    The latest valuation data shows City holding company (CHCO) has a Price-To-Earnings (PE) ratio of 13.44 and a Price/Earnings-To-Growth (PEG) ratio of 14.65. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.