CHCO
Bearish signalScored 2026-08-31 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
City Holding Company
- Nom
- City Holding Company
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $2.0B
- Employés
- 934
- PDG
- Charles R. Hageboeck
- Site web
- https://www.bankatcity.com
- Marché
- BHBCBNKCCBCCBGCFFIDCOM
City Holding Company operates as the parent entity for City National Bank of West Virginia, offering a broad spectrum of financial services including banking, wealth management, and investment solutions throughout the United States. Its product suite features various deposit accounts like checking, savings, money market, certificates of deposit, and individual retirement accounts. The company provides an extensive range of loan products, such as commercial and industrial financing primarily for small to mid-sized enterprises, commercial real estate loans secured by non-residential and multi-family properties, residential real estate loans for home purchases or refinancing, and first-priority home equity loans. Consumer loans are also available, which can be secured by assets like vehicles, boats, recreational vehicles, or CDs, or remain unsecured; the company also covers demand deposit account overdrafts. Its mortgage banking division handles fixed and adjustable-rate mortgages, construction financing, land acquisition loans, and the origination of conventional and government-insured mortgages, supported by secondary market operations and mortgage servicing. For business clients, services include treasury management, lockbox facilities, and other cash management tools, as well as merchant credit card processing. The wealth management segment delivers trust administration, investment, and custodial services to both corporate and individual clients, encompassing corporate trust, institutional custody, financial and estate planning, and retirement plan services. Additionally, it offers modern banking access via ATMs, interactive teller machines (ITMs), mobile banking, interactive voice response (IVR) systems, and various credit and debit card services. The company maintains a presence with 94 branches and approximately 905 full-time equivalent employees across West Virginia, Virginia, Kentucky, and Ohio. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
ACHAT TOTAL: 480 titres (~68 222,40 $ US)
- Insiders
- STRONG-TREISTER DIANE WReyes Javier AHoyer James AFISHER ROBERT D
- Total bought
-
$68,222
Avg buy (VWAP, 90d window) $142.13 vs last close —
- Total sold
-
$707,713
Avg sell (VWAP, 90d window) $144.87 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-10-23
- Last synced
-
2026-10-26 22:35:44
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-10-23 | FISHER ROBERT D | Buy · P | 165 | $142.13 | $23,451 | Form 4 |
| 2026-10-23 | Hoyer James A | Buy · P | 100 | $142.13 | $14,213 | Form 4 |
| 2026-10-23 | Reyes Javier A | Buy · P | 95 | $142.13 | $13,502 | Form 4 |
| 2026-10-23 | STRONG-TREISTER DIANE W | Buy · P | 120 | $142.13 | $17,056 | Form 4 |
| 2026-08-26 | Rowe Sharon H | Sell · S | 400 | $143.96 | $57,584 | Form 4 |
| 2026-07-30 | HAGEBOECK CHARLES R | Sell · S | 4,485 | $144.96 | $650,129 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Bearish signalScored 2026-08-31 Drivers: fundamentals. Moteurs : fondamentaux.
CHCO presents a deeply conflicted profile: while profitability metrics are strong (net margin ~33%), the critically low liquidity ratios (current ratio < 0.20) and structural working capital deficit represent serious…
The first sentence of the analysis written for CHCO on 2026-08-31 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Sale value outweighs purchases
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.18 · operating margin 41% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 79.0% | 76.3% | 83.5% | 96.0% | 97.1% | |
| Ebit Margin | 41.5% | 38.9% | 42.8% | 49.8% | 48.6% | |
| Ebitda Margin | 44.3% | 42.5% | 46.0% | 56.0% | 55.0% | |
| Operating Profit Margin | 41.5% | 38.9% | 42.8% | 49.8% | 48.6% | |
| Pretax Profit Margin | 41.2% | 38.9% | 42.8% | 49.8% | 48.6% | |
| Continuous Operations Profit Margin | 33.3% | 31.5% | 34.2% | 39.9% | 38.5% | |
| Net Profit Margin | 33.3% | 31.5% | 34.2% | 39.9% | 38.5% | |
| Bottom Line Profit Margin | 33.0% | 31.3% | 33.9% | 39.5% | 38.2% | |
| Current Ratio | 0.176 | 0.048 | 0.287 | 0.334 | 0.393 | |
| Quick Ratio | 0.176 | 0.048 | 0.287 | 0.334 | 0.393 | |
| Solvency Ratio | 0.024 | 0.023 | 0.023 | 0.022 | 0.019 | |
| Cash Ratio | 0.034 | 0.041 | 0.030 | 0.039 | 0.121 | |
| Price To Earnings Ratio | 13.333 | 14.979 | 14.470 | 13.670 | 14.425 | |
| Price To Earnings Growth Ratio | 1.024 | 3.936 | 1.217 | 0.680 | 6.672 | |
| Forward Price To Earnings Growth Ratio | 1.024 | 3.936 | 1.217 | 0.680 | 6.672 | |
| Price To Earnings Diluted Ratio | 13.333 | 15.016 | 14.489 | 13.690 | 14.451 | |
| Price To Earnings Diluted Growth Ratio | 1.002 | 4.081 | 1.216 | 0.680 | 7.291 | |
| Price To Book Ratio | 2.114 | 2.380 | 2.421 | 2.392 | 1.847 | |
| Price To Sales Ratio | 4.365 | 4.684 | 4.902 | 5.404 | 5.502 | |
| Price To Free Cash Flow Ratio | 13.325 | 13.459 | 12.178 | 12.158 | 12.714 | |
| Price To Operating Cash Flow Ratio | 13.029 | 13.183 | 11.916 | 11.934 | 12.301 | |
| Debt To Assets Ratio | 0.077 | 0.074 | 0.071 | 0.049 | 0.052 | |
| Debt To Equity Ratio | 0.639 | 0.651 | 0.642 | 0.504 | 0.459 | |
| Debt To Capital Ratio | 0.390 | 0.394 | 0.391 | 0.335 | 0.314 | |
| Long Term Debt To Capital Ratio | 0.156 | 0.170 | 0.129 | 0.000 | 0.000 | |
| Financial Leverage Ratio | 8.302 | 8.841 | 9.110 | 10.172 | 8.815 | |
| Working Capital Turnover Ratio | -0.079 | -0.083 | -0.093 | -0.077 | -0.071 | |
| Operating Cash Flow Ratio | 0.023 | 0.024 | 0.026 | 0.022 | 0.020 | |
| Operating Cash Flow Sales Ratio | 0.335 | 0.355 | 0.411 | 0.453 | 0.447 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.978 | 0.979 | 0.978 | 0.982 | 0.968 | |
| Debt Service Coverage Ratio | 0.316 | 0.316 | 0.323 | 0.392 | 0.319 | |
| Interest Coverage Ratio | 1.917 | 1.677 | 2.751 | 13.188 | 11.239 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.357 | 0.405 | 0.411 | 0.398 | 0.327 | |
| Operating Cash Flow Coverage Ratio | 0.254 | 0.277 | 0.316 | 0.398 | 0.327 | |
| Capital Expenditure Coverage Ratio | 44.929 | 48.742 | 46.448 | 54.095 | 30.777 | |
| Dividend Paid And Capex Coverage Ratio | 2.616 | 2.856 | 3.203 | 2.982 | 2.592 | |
| Dividend Payout Ratio | 0.362 | 0.371 | 0.350 | 0.360 | 0.410 | |
| Enterprise Value Multiple | 11.726 | 12.612 | 12.468 | 10.293 | 7.439 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 79.0% | ▲2.7% | ▼-7.4% |
| Ebit Margin | 41.5% | ▲2.5% | ▼-2.9% |
| Ebitda Margin | 44.3% | ▲1.8% | ▼-4.4% |
| Operating Profit Margin | 41.5% | ▲2.5% | ▼-2.9% |
| Pretax Profit Margin | 41.2% | ▲2.2% | ▼-3.1% |
| Continuous Operations Profit Margin | 33.3% | ▲1.7% | ▼-2.2% |
| Net Profit Margin | 33.3% | ▲1.7% | ▼-2.2% |
| Bottom Line Profit Margin | 33.0% | ▲1.7% | ▼-2.2% |
| Current Ratio | 0.176 | ▲0.129 | ▼-0.071 |
| Quick Ratio | 0.176 | ▲0.129 | ▼-0.071 |
| Solvency Ratio | 0.024 | ▲0.001 | ▲0.002 |
| Cash Ratio | 0.034 | ▼-0.007 | ▼-0.019 |
| Price To Earnings Ratio | 13.333 | ▼-1.645 | ▼-0.842 |
| Price To Earnings Growth Ratio | 1.024 | ▼-2.912 | ▼-1.682 |
| Forward Price To Earnings Growth Ratio | 1.024 | ▼-2.912 | ▼-1.682 |
| Price To Earnings Diluted Ratio | 13.333 | ▼-1.683 | ▼-0.862 |
| Price To Earnings Diluted Growth Ratio | 1.002 | ▼-3.079 | ▼-1.852 |
| Price To Book Ratio | 2.114 | ▼-0.266 | ▼-0.117 |
| Price To Sales Ratio | 4.365 | ▼-0.319 | ▼-0.606 |
| Price To Free Cash Flow Ratio | 13.325 | ▼-0.134 | ▲0.558 |
| Price To Operating Cash Flow Ratio | 13.029 | ▼-0.155 | ▲0.556 |
| Debt To Assets Ratio | 0.077 | ▲0.003 | ▲0.013 |
| Debt To Equity Ratio | 0.639 | ▼-0.012 | ▲0.060 |
| Debt To Capital Ratio | 0.390 | ▼-0.004 | ▲0.025 |
| Long Term Debt To Capital Ratio | 0.156 | ▼-0.014 | ▲0.065 |
| Financial Leverage Ratio | 8.302 | ▼-0.538 | ▼-0.746 |
| Working Capital Turnover Ratio | -0.079 | ▲0.003 | ▲0.001 |
| Operating Cash Flow Ratio | 0.023 | ▼-0.001 | ▲0.000 |
| Operating Cash Flow Sales Ratio | 0.335 | ▼-0.020 | ▼-0.065 |
| Free Cash Flow Operating Cash Flow Ratio | 0.978 | ▼-0.002 | ▲0.001 |
| Debt Service Coverage Ratio | 0.316 | ▼-0.001 | ▼-0.018 |
| Interest Coverage Ratio | 1.917 | ▲0.240 | ▼-4.237 |
| Short Term Operating Cash Flow Coverage Ratio | 0.357 | ▼-0.048 | ▼-0.022 |
| Operating Cash Flow Coverage Ratio | 0.254 | ▼-0.024 | ▼-0.061 |
| Capital Expenditure Coverage Ratio | 44.929 | ▼-3.813 | ▼-0.069 |
| Dividend Paid And Capex Coverage Ratio | 2.616 | ▼-0.240 | ▼-0.234 |
| Dividend Payout Ratio | 0.362 | ▼-0.009 | ▼-0.008 |
| Enterprise Value Multiple | 11.726 | ▼-0.886 | ▲0.819 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $1.71B | $1.74B | $1.64B | $1.38B | $1.26B | |
| Enterprise value | $2.04B | $1.99B | $1.92B | $1.47B | $935.8M | |
| EV / Sales | 5.20x | 5.36x | 5.74x | 5.76x | 4.09x | |
| EV / Op. cash flow | 15.51x | 15.08x | 13.94x | 12.72x | 9.15x | |
| EV / Free cash flow | 15.86x | 15.40x | 14.25x | 12.96x | 9.46x | |
| EV / EBITDA | 11.73x | 12.61x | 12.47x | 10.29x | 7.44x | |
| Net debt / EBITDA | 1.88x | 1.59x | 1.81x | 0.64x | -2.56x | |
| Current ratio | 0.18x | 0.05x | 0.29x | 0.33x | 0.39x | |
| Income quality | 1.01x | 1.13x | 1.20x | 1.14x | 1.16x | |
| Graham number | $107 | $95 | $89 | $78 | $76 | |
| Graham net-net | -$342 | -$373 | -$268 | -$241 | -$212 | |
| Tax burden | 80.8% | 81.0% | 79.9% | 80.2% | 79.2% | |
| Interest burden | 99.3% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$4.67B | -$5.21B | -$3.75B | -$3.44B | -$3.18B | |
| Invested capital | -$4.44B | -$4.98B | -$3.52B | -$3.25B | -$2.99B | |
| Return on assets | 1.9% | 1.8% | 1.9% | 1.7% | 1.5% | |
| Operating ROA | 2.5% | 2.3% | 2.4% | 2.1% | 1.9% | |
| Return on tangible assets | 2.0% | 1.9% | 1.9% | 1.8% | 1.5% | |
| Return on equity | 16.1% | 16.0% | 16.9% | 17.7% | 12.9% | |
| Return on invested capital | 9.2% | 8.9% | 9.3% | 10.1% | 8.2% | |
| Return on capital employed | 15.4% | 14.6% | 15.9% | 17.8% | 14.5% | |
| Earnings yield | 7.6% | 6.7% | 7.0% | 7.4% | 7.0% | |
| Free cash flow yield | 7.5% | 7.4% | 8.2% | 8.2% | 7.9% | |
| Capex / Op. cash flow | 2.2% | 2.1% | 2.2% | 1.8% | 3.2% | |
| Capex / Depreciation | 26.2% | 20.5% | 27.6% | 13.6% | 22.7% | |
| Capex / Sales | 0.7% | 0.7% | 0.9% | 0.8% | 1.5% | |
| SG&A / Sales | 21.6% | 22.4% | 23.7% | 28.0% | 29.1% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 0.9% | 0.9% | 1.0% | 1.3% | 1.4% | |
| Intangibles / Total assets | 2.3% | 2.5% | 2.6% | 2.0% | 2.0% | |
| Days sales outstanding | 19d | 20d | 22d | 26d | 25d | |
| Days payables outstanding | 0d | 0d | 0d | 0d | 0d | |
| Operating cycle | 19d | 20d | 22d | 26d | 25d | |
| Cash conversion cycle | 19d | 20d | 22d | 26d | 25d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-10-26 River City Bank Q3 Earnings Call Highlights River City Bank NASDAQ: RCBC reported third-quarter net income of $30.6 million, or $2.16 per share, in its first earnings release as a public company following its August Nasdaq initial public offering. The reported results included a $17.1 million pre-tax gain from changes in the fair value of undesignated interest-rate swaps.
- 2026-10-26 Compared to Estimates, City Holding (CHCO) Q3 Earnings: A Look at Key Metrics Although the revenue and EPS for City Holding (CHCO) give a sense of how its business performed in the quarter ended September 2026, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
- 2026-10-26 City Holding (CHCO) Tops Q3 Earnings and Revenue Estimates City Holding (CHCO) came out with quarterly earnings of $2.43 per share, beating the Zacks Consensus Estimate of $2.38 per share. This compares to earnings of $2.41 per share a year ago.
- 2026-10-26 City Holding Company Announces Record Quarterly Results CHARLESTON, W.Va.--(BUSINESS WIRE)--City Holding Company Announces Record Quarterly Results.
- 2026-10-26 Insider Buying: City (NASDAQ:CHCO) Director Buys $23,451.45 in Stock City Holding Company (NASDAQ: CHCO - Get Free Report) Director Robert Fisher acquired 165 shares of the firm''s stock in a transaction dated Friday, October 23rd. The stock was bought at an average price of $142.13 per share, for a total transaction of $23,451.45. Following the acquisition, the director owned 47,877 shares of the company''s stock,
- 2026-10-26 Insider Buying: City (NASDAQ:CHCO) Director Acquires $13,502.35 in Stock City Holding Company (NASDAQ: CHCO - Get Free Report) Director Javier Reyes purchased 95 shares of City stock in a transaction that occurred on Friday, October 23rd. The stock was purchased at an average cost of $142.13 per share, for a total transaction of $13,502.35. Following the completion of the purchase, the director owned 2,463 shares
- 2026-10-26 City (NASDAQ:CHCO) Director Acquires $14,213.00 in Stock City Holding Company (NASDAQ: CHCO - Get Free Report) Director James Hoyer bought 100 shares of the firm''s stock in a transaction that occurred on Friday, October 23rd. The shares were purchased at an average cost of $142.13 per share, for a total transaction of $14,213.00. Following the completion of the transaction, the director owned 802
- 2026-10-26 City (NASDAQ:CHCO) Director Purchases $17,055.60 in Stock City Holding Company (NASDAQ: CHCO - Get Free Report) Director Diane Strong-Treister bought 120 shares of the firm''s stock in a transaction on Friday, October 23rd. The stock was purchased at an average price of $142.13 per share, for a total transaction of $17,055.60. Following the completion of the acquisition, the director directly owned 4,217 shares
- 2026-10-23 Dividend Champion, Contender, And Challenger Highlights: Week October 25 A weekly summary of dividend activity for Dividend Champions, Contenders, and Challengers. Companies that changed their dividends. Companies with upcoming ex-dividend dates.
- 2026-10-23 River City Bank Reports Third Quarter 2026 Results and Announces a Quarterly Cash Dividend SACRAMENTO, Calif.--(BUSINESS WIRE)---- $RCBC #earnings--River City Bank (Nasdaq: RCBC) ("the Bank") reported net income of $30.6 million or $2.16 per share for the quarter ended September 30, 2026, which compares to $19.7 million, or $1.36 per share, for the same period in 2025. Net income was $68.2 million or $4.75 per share for the nine months ended September 30, 2026, which compares to $47.4 million, or $3.24 per share, for the nine months ended September 30, 2025. The Bank''s earnings for the quarter ended Sep.