CHCO
Financial ServicesCity Holding Company · Banks - Regional · $2B
What is City Holding Company?
City Holding Company is a West Virginia-based bank holding company serving retail and commercial customers across the United States through its subsidiary, City National Bank of West Virginia. Founded in 1987 and headquartered in Charleston, it focuses on community banking with a broad suite of financial services.
City Holding generates revenue primarily through traditional banking activities — accepting deposits and extending loans to individuals, small businesses, and mid-size commercial borrowers. It also earns fee income through mortgage banking, wealth management, trust services, and treasury management solutions for commercial clients. This diversified mix of interest income and fee-based services underpins the bank's business model.
City Holding Company was founded in 1987 and is headquartered in Charleston, West Virginia.
- Checking, savings, and money market accounts
- Commercial, real estate, and consumer lending
- Mortgage banking and loan servicing
- Wealth management, trust, and investment services
Is CHCO a Good Stock to Buy?
UQS Score rates CHCO as Below Average overall, reflecting a mixed picture across its five quality pillars.
The Quality pillar stands out as a genuine strength, suggesting the bank maintains sound fundamentals relative to peers. Valuation also registers as Good, meaning the stock does not appear richly priced given its current profile.
Moat, Growth, and Risk all register as Weak — pointing to limited competitive differentiation, subdued expansion prospects, and elevated risk factors that weigh on the composite score.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does CHCO pay dividends?
Yes — City Holding Company pays a dividend.
City Holding pays a regular dividend, a practice consistent with established community banks that generate steady deposit-funded income. For income-oriented investors, this cadence can be appealing, though dividend sustainability should always be evaluated alongside the bank's Risk and Growth pillar ratings. Check the company's investor relations page for the current declared amount and payment schedule.
When does CHCO report earnings?
City Holding Company reports earnings on a quarterly cadence, typical for US-listed bank holding companies.
As a community bank, CHCO's quarterly results are shaped by net interest margin trends, loan growth, and credit quality. The bank's Quality pillar suggests underlying fundamentals have remained relatively stable, though the Weak Growth rating indicates expansion has been modest.
For the most recent quarter's results and guidance, visit City Holding Company's investor relations page directly.
CHCO Price History
+80.2% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in City Holding Company?
Based on City Holding Company's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
CHCO Long-term Outlook
The fundamental outlook for CHCO is cautious. Weak Growth and Weak Risk pillar ratings suggest the bank faces headwinds in expanding its loan book and managing credit or interest-rate exposures. The Good Valuation rating offers some cushion, but investors should weigh whether the current price adequately compensates for the limited growth trajectory and risk profile.
Growth drivers
- Fee income diversification through wealth management and mortgage banking
- Stable deposit base supporting consistent net interest income
- Potential for measured loan growth in its core West Virginia markets
Key risks
- Limited geographic diversification as a community-focused bank
- Interest rate sensitivity affecting net interest margin
- Weak Moat rating signals vulnerability to competition from larger regional and national banks
CHCO vs Peers
CHCO operates in a competitive community and regional banking landscape alongside several peers of similar scale.
OFG Bancorp focuses on Puerto Rico and the US Virgin Islands, giving it a distinct geographic footprint compared to CHCO's Appalachian-region concentration.
1st Source Corporation is an Indiana-based community bank known for specialty finance niches such as aircraft and recreational vehicle lending, differentiating its loan mix from CHCO's more traditional portfolio.
Laurentian Bank operates in Canada's regulated banking environment, offering a cross-border comparison point for investors evaluating North American community banking models.
Frequently Asked Questions
What does City Holding Company do?
City Holding Company is the parent of City National Bank of West Virginia. It provides personal and business banking, mortgage lending, wealth management, and trust services. The bank serves retail customers, small businesses, and mid-size commercial borrowers primarily in the Appalachian region of the United States.
Does CHCO pay dividends?
Yes, City Holding Company pays a regular dividend. This is consistent with its community banking model, which generates relatively predictable deposit-funded income. Investors should review the current dividend amount and schedule on the company's investor relations page, as amounts can change with board decisions.
When does CHCO report earnings?
City Holding Company reports financial results on a quarterly basis, in line with standard US public company requirements. For the exact dates of upcoming earnings releases, check the company's investor relations page or a financial calendar service.
Is CHCO a good stock to buy?
UQS Score rates CHCO as Below Average overall. While the Quality pillar is Strong and Valuation is Good, the Moat, Growth, and Risk pillars are all Weak. This mixed profile means investors should weigh the bank's income stability against its limited growth prospects and risk factors before deciding.
Is CHCO overvalued?
The UQS Valuation pillar for CHCO is rated Good, suggesting the stock is not trading at an extreme premium relative to its fundamentals. However, valuation should always be considered alongside the bank's Weak Growth and Weak Risk ratings to get a complete picture.
How does CHCO compare to its competitors?
Compared to peers like OFG Bancorp and 1st Source Corporation, CHCO is a traditional community bank with a concentrated regional focus. It lacks the specialty lending niches of some peers and the geographic diversification of others. The full UQS competitor comparison is available to Pro members.
What is CHCO's market cap bracket?
City Holding Company is classified as a small-cap stock. This places it in a tier where liquidity can be lower than large-cap banks, and the company may receive less analyst coverage, which can create both information gaps and potential opportunities for diligent investors.
Who founded City Holding Company?
City Holding Company was established in 1987. Detailed founding history, including the names of original organizers, is publicly available through the company's official history and West Virginia banking regulatory records.
Is CHCO a long-term quality investment?
As a long-term quality indicator, CHCO's profile is mixed. The Strong Quality pillar reflects sound banking fundamentals, but Weak Moat and Weak Growth ratings suggest the bank may struggle to compound value aggressively over time. Long-term investors should monitor whether competitive positioning and growth trends improve.
What sector does CHCO belong to?
City Holding Company belongs to the Financial Services sector, specifically the community and regional banking industry. Banks in this space earn income primarily through the spread between deposit costs and loan yields, supplemented by fee-based services like wealth management and mortgage banking.
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Pro Analysis
CHCO — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 22, 2026 | 48.8 | 95.0 | 24.0 | 22.1 | 30.6 | 67.2 | -0.1 |
| May 21, 2026 | 48.9 | 95.0 | 24.0 | 22.1 | 30.6 | 67.5 | 0.0 |
| May 20, 2026 | 48.9 | 95.0 | 24.0 | 22.1 | 30.6 | 67.8 | 0.0 |
| May 19, 2026 | 48.9 | 95.0 | 24.0 | 22.1 | 30.6 | 67.6 | -0.1 |
| May 16, 2026 | 49.0 | 95.0 | 24.0 | 22.1 | 30.6 | 68.5 | 0.0 |
| May 15, 2026 | 49.0 | 95.0 | 24.0 | 22.1 | 30.6 | 67.9 | 0.0 |
| May 13, 2026 | 49.0 | 95.0 | 24.0 | 22.1 | 30.6 | 68.1 | 0.0 |
| May 12, 2026 | 49.0 | 95.0 | 24.0 | 22.1 | 30.6 | 68.3 | +0.1 |
| May 11, 2026 | 48.9 | 95.0 | 24.0 | 22.1 | 30.6 | 67.5 | +1.3 |
| May 10, 2026 | 47.6 | 95.0 | 24.0 | 22.1 | 30.6 | 58.9 | +0.2 |
CHCO — Pillar Breakdown
Quality
— 95.0/100 (25%)City Holding Company demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 22.1/100 (20%)City Holding Company faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 30.6/100 (15%)City Holding Company presents elevated risk with concerns around leverage or financial stability.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 66.6/100 (15%)City Holding Company trades at a reasonable valuation with decent earnings yield and FCF multiples.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 24/100 (25%)City Holding Company operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for CHCO.
Score Composition
Financial Data
More Stock Analysis
How is the CHCO UQS Score Calculated?
The UQS (Unified Quality Score) for City Holding Company is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses City Holding Company's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether City Holding Company is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.