City Holding (CHCO) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

City Holding

NasdaqGS•Financial Services•Banks - Regional

$143.82-1.34(-0.01%)Pre-market

Market Cap

$2.01B

P/E

15.3x

P/S

5.0x

P/B

2.5x

City Holding Company operates as a financial holding company for City National Bank of West Virginia that provides banking, trust and investment management, and other financial solutions in the United States. It offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. The company 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; home equity lines of credit; amortized 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, as well as owner-occupied real estate and construction, land development, and lines of credit. In addition, it 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, the company provides 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 was founded in 1957 and is headquartered in Charleston, West Virginia.

How this company scores

ExcellentMetricSide Score: 83/100

Strongest: Profitability (25/25); weakest: Growth (17/25).

Profitability25/25

Growth17/25

Balance Sheet & Red Flags18/25

Cash & Earnings Quality23/25

Strengths

Strong marginsHigh ROELow leverageCash-backed earnings

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 15.3x5y range 11.5x – 15.3x

Currently near its 20-quarter median.

P/S · 5.0x5y range 4.1x – 5.3x

Currently near its 20-quarter median.

P/B · 2.5x5y range 1.8x – 2.5x

Price & Volume

Market Cap $2.01B

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $402.70M
Q. Revenue: $100.97M
TTM EBITDA: $170.50M
TTM Op. Income: $163.97M
Q. Op. Income: $41.32M
TTM Net Income: $131.79M
Q. Net Income: $33.30M
EPS: $2.35
Shares Out.: $14.05M

$402.70M in TTM revenue grew 3.5% YoY, reaching $100.97M last quarter. TTM EBITDA of $170.50M and TTM operating income of $163.97M show growth is flowing through to the bottom line. TTM net income of $131.79M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 80.7%
EBITDA Margin: 42.0%
Op. Margin: 40.9%
Net Margin: 33.0%

Op. margin of 40.9% is down 0.4% YoY — costs are rising relative to revenue. Net margin at 33.0% and gross margin of 80.7% show how much of each revenue dollar survives to profit. Across the last 8 quarters, operating margin has risen for 2 consecutive quarters — an improving trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 15.3x
P/S Ratio: 5.0x
P/B Ratio: 2.5x

At 15.3x P/E, the stock trades within typical market levels. P/S of 5.0x and P/B of 2.5x provide additional context. Use the growth and margin sections to judge whether the multiple is justified. Over the past year, P/E is up 5% — a weakening trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $6.77B
Cash: $267.20M
Long-Term Debt: $150.00M
Book Value: $808.95M
D/E Ratio: 0.2
Debt/EBITDA: 3.5

With $6.77B in assets and $150.00M in long-term debt, D/E is 0.2and book value is $808.95M — a conservative capital structure with a cushion to weather downturns. Over the past year, debt/equity is down 6% — an improving trend.

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $32.64M
TTM Free Cash Flow: $138.46M
FCF Margin: 34.4%
FCF / Net Income: 1.1

TTM FCF of $138.46M on $32.64M in operating cash flow. The FCF / Net Income ratio of 1.1x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 3 consecutive quarters — an improving trend.