City Holding Company (CHCO) Stock Analysis
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $122.39, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: West Virginia, Kentucky, Virginia, and southeastern Ohio; Concentration risk — Loan Portfolio: commercial and industrial and commercial real estate loans (~52% of loan portfolio) (52.0%).
City Holding Company is a WV-based financial holding company operating City National Bank's 96 branches in West Virginia (58), Kentucky (22), Virginia (13), and southeastern Ohio (3), with ~$53B in total assets. Community banking is the sole reportable segment; ~13% deposit... Read more
Hold if already holding. Not a fresh buy at $122.39, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: West Virginia, Kentucky, Virginia, and southeastern Ohio; Concentration risk — Loan Portfolio: commercial and industrial and commercial real estate loans (~52% of loan portfolio) (52.0%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Score 5.2/10, moderate confidence.
Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 64d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: aggressive.
Recent Developments — City Holding Company
Latest news
- CHCO (City Holding Company) reports Q4 2025 5.5% negative EPS surprise, shares drop 1.26% in today’s trading. - High Att — UBND thành phố Hải Phòng negative
- City Holding (CHCO) to Report Q1 Results: Wall Street Expects Earnings Growth - Yahoo Finance — Yahoo Finance neutral
- City (CHCO) Projected to Post Earnings on Wednesday - MarketBeat — MarketBeat neutral
- CHCO Insider Buying: 4 Directors Purchase $57.9K in Stock April 21 - Meyka — Meyka positive
- City Holding (CHCO) to report Q1 results: Wall Street expects earnings growth - MSN — MSN neutral
Generated 2026-05-20T21:06:21Z.
Thesis
Key Metrics
Quality Signals
Concentration Risks(10-K Item 1A)
- HIGHGeographicWest Virginia, Kentucky, Virginia, and southeastern Ohio10-K Item 1A: 'The Company’s business is concentrated in West Virginia, Kentucky, Virginia and southeastern Ohio'
- HIGHloan_portfoliocommercial and industrial and commercial real estate loans (~52% of loan portfolio)52%10-K Item 1: 'approximately 52% of the Company’s loan portfolio was categorized as commercial and industrial and commercial real estate'
- MEDIUMloan_portfolioresidential mortgage and home equity loans (~47% of loan portfolio)47%10-K Item 1: 'approximately 47% of the Company’s loan portfolio was categorized as residential mortgage and home equity loans'
- MEDIUMregulatoryOCC (primary regulator of City National Bank)10-K Item 1: 'City National is organized as a national banking association under the National Bank Act...subject to regulation and examination by the Office of the Comptroller of the Currency'
Material Events(8-K, last 90d)
- 2026-04-29Item 5.02LOWMichael 'Tim' T. Quinlan Jr. named President of City National Bank effective April 29, 2026. Charles Hageboeck remains CEO of the Bank and President/CEO of City Holding. Internal promotion; no departure from the Company. Employment agreement amended to reflect title change.SEC filing →
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
2 floor-breakers
Momentum below the gate floor. Component breakdown shows what dragged the score down.static
Growth below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $122.39, but acceptable to hold if already in. Reasons: Concentration risk — Geographic: West Virginia, Kentucky, Virginia, and southeastern Ohio; Concentration risk — Loan Portfolio: commercial and industrial and commercial real estate loans (~52% of loan portfolio) (52.0%). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Maintain position. Not compelling to add more. Target $126.32 (+3.2%), stop $117.53 (−4.1%), A.R:R -1.3:1. Score 5.2/10, moderate confidence.
Take-profit target: $126.32 (+3.1% upside). Target $126.32 (+3.2%), stop $117.53 (−4.1%), A.R:R -1.3:1. Stop-loss: $117.53.
Concentration risk — Geographic: West Virginia, Kentucky, Virginia, and southeastern Ohio; Concentration risk — Loan Portfolio: commercial and industrial and commercial real estate loans (~52% of loan portfolio) (52.0%); Analyst target reached - limited upside remaining.
City Holding Company trades at a P/E of 13.4 (forward 12.8). TrendMatrix value score: 6.4/10. Verdict: Hold.
10 analysts cover CHCO with a consensus score of 2.5/5. Average price target: $131.
What does City Holding Company do?City Holding Company is a WV-based financial holding company operating City National Bank's 96 branches in West...
City Holding Company is a WV-based financial holding company operating City National Bank's 96 branches in West Virginia (58), Kentucky (22), Virginia (13), and southeastern Ohio (3), with ~$53B in total assets. Community banking is the sole reportable segment; ~13% deposit market share in WV counties and 24% in eastern KY counties.