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City(NASDAQ) CHCO

Current Price$139.38
Market Cap$1.96BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1987)+3,038%
5 Year+118%
1 Year+11%
1 Month+10%
City last closing stock price
MetricPriceDate
Last closeUSD 139.172026-07-22
City stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+3.56%USD 134.382026-07-15
1 month+9.59%USD 126.992026-06-22
3 month+10.6%USD 125.832026-04-23
Year to date+19.17%USD 116.792025-12-31
1 year+11.09%USD 125.272025-07-22
3 year+58.48%USD 87.822023-07-21
5 year+117.94%USD 63.862021-07-23
Since inception+3,038.12%USD 4.431987-09-09

City Financials at a Glance

Market Cap

$1.96BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$397.90M

Net Income (TTM)

$130.23M

EPS (TTM)

$9.14

P/E Ratio

15.33

Dividend

$3.48

Beta (Volatility)

0.52 (Low)

Price

$139.38

Volume

0

Open

$132.89

Previous Close

$139.38

Daily Range

$132.89 - $139.72

52-Week Range

$113.21 - $139.74

Estimated Earnings Date

Oct 28, 2026

CHCO News

Finding Value in Mid-Atlantic Regional Banks

Robert EberhardNov 23, 2011

Financial Regulations: Obama Takes Another Swing at Big Banks

Kapit allOct 24, 2011

City Holding Company Earnings Preview

Narrative ScienceOct 17, 2011

Is This the Best Bank in the Mid-Atlantic?

Robert EberhardOct 10, 2011

7 Regional Banks Within 3% of Their 52-Week Lows

Anand ChokkaveluSep 7, 2011

City Holding Company Earnings Preview

Narrative ScienceAug 4, 2011

Catch These 5 Fast-Moving Stocks

Rich DupreySep 29, 2008

Today's 5-Star Movers

Motley Fool StaffSep 9, 2008
Page 1

CHCO: Motley Fool Moneyball Superscore

58

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About City

City Holding helps people and small businesses in the Appalachian region manage their money. The company provides bank accounts and loans for buying homes or growing companies. Its services ensure local communities have access to essential financial tools and investment advice.

How City Holding Serves Customers

  • Residential Mortgages: Loans for buying or refinancing homes; accounts for 47% of the total loan portfolio at year-end 2025.
  • Commercial Real Estate: Lending for properties like hotels and apartments; represents $1.87 billion of loans as of December 31, 2025.
  • Consumer Banking: Everyday services like checking accounts, savings plans, and debit cards for local residents.
  • Wealth Management: Help with retirement plans, trusts, and investment accounts for individuals and businesses.
  • Business Loans: Funding for industrial projects and company equipment to help small and mid-sized businesses grow.

Strategic Moves Across State Lines

  • Closed a physical branch in Columbus, Ohio during 2025 to adjust its geographic footprint.
  • Expanded commercial lending services to customers outside its physical branch areas, reaching $807 million in balances by year-end 2025.
  • Introduced the Integrity in Action program to provide employees with better resources for protecting City National Bank and its customers.

A Regional Stronghold

City Holding maintains a strong presence in West Virginia and eastern Kentucky, holding 13% and 24% of local deposit market share respectively. The company operates 96 branches along major interstate corridors to reach both rural communities and larger cities.

Recent Financial Performance

  • Revenue reached $98.4 million in Q1 2026, up 4.7% from the previous year.
  • Net income reached $31.7 million in Q1 2026, up 4.6% year-over-year.
  • Operating income was $39.3 million in Q1 2026, up 6.4% from Q1 2025.
  • Operating cash flow reached $34.3 million in Q4 2025.

Evolution of the Business

City Holding has grown from a local bank into a regional financial hub serving four states. Its focus on community banking and steady loan growth helps it maintain market relevance across the Appalachian economy.

AI Generated • Apr 29, 2026

Industry

Banks

Sector

Financials

Employees

934

CEO

Charles R. Hageboeck, PhD

Website

www.bankatcity.com

Headquarters

Charleston, WV 25313, US

CHCO Financials

Key Financial Metrics (TTM)

Gross Margin

79.67%

Operating Margin

40.97%

Net Income Margin

32.73%

Return on Equity

16.22%

Return on Capital

12.25%

Return on Assets

1.92%

Earnings Yield

6.52%

Dividend Yield

2.50%

Payout Ratio

38.78%

Stock Overview

Market Cap

$1.96BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

14.11M

Volume

0

Avg. Volume

123.45K

Financials (TTM)

Gross Profit

$317.02M

Operating Income

$163.01M

EBITDA

$169.72M

Operating Cash Flow

$137.87M

Capital Expenditure

-$3.40M

Free Cash Flow

$134.47M

Cash & ST Invst.

$1.77B

Total Debt

$527.55M

City Performance Analysis

City annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 263,291,00012.2%
20232023-12-31USD 341,433,00029.7%
20242024-12-31USD 379,342,00011.1%
20252025-12-31USD 399,312,0005.3%
City sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-303.1%
Q42025-12-311.1%
Q12026-03-31-2.7%
Q22026-06-30N/A
City annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 6.8020.1%
20232023-12-31USD 7.6111.9%
20242024-12-31USD 7.893.7%
20252025-12-31USD 8.9313.1%
City sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-305.2%
Q42025-12-31-9.5%
Q12026-03-310.9%
Q22026-06-306.8%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$98.40M

+1.4%

Gross Profit

$78.65M

+1.3%

Gross Margin

79.93%

N/A

Market Cap

$1.96BMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$2.10M

N/A

Employees

934

N/A

Net Income

$31.74M

-4.9%

EBITDA

$40.38M

-9.7%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$1.77B

+69.6%

Total Debt

$527.55M

+7.7%

Accounts Receivable

$21.30M

-1.6%

Inventory

$0.00

N/A

Long Term Debt

$150.00M

+0.0%

Short Term Debt

$377.55M

+11.1%

Return on Assets

1.92%

N/A

Return on Invested Capital

2.41%

N/A

Free Cash Flow

$37.28M

+19.3%

Operating Cash Flow

$38.01M

+20.6%

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Questions About CHCO

What is the current price of City?

City is trading at $139.38 per share.

What is the 52-week range for City?

Over the past 52 weeks, City has traded between $113.21 and $139.74.

How much debt does City have?

As of the most recent reporting period, City reported total debt of $527.55M.

How much cash does City have on hand?

City does not have cash on hand data available.

What is City’s dividend yield?

City currently has a dividend yield of 2.50%.

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