CITY HOLDING (CHCO)

What CITY HOLDING does

City Holding Company is a financial holding company headquartered in Charleston, West Virginia that operates City National Bank of West Virginia, a community bank with 96 branches across West Virginia, Kentucky, Virginia, and southeastern Ohio. City National provides comprehensive commercial and consumer banking services, mortgage banking, wealth and investment management, and specialized financial solutions. The company's loan portfolio includes commercial and industrial loans, commercial real estate (including hospitality and multi-family), residential mortgages, home equity loans, and consumer loans.

Fundamentals

• Price$132.63 as of 2026-07-09 close
• Market cap$1.9B as of 2026-07-10
• 1-year return+2.7% as of 2026-07-09 close
• P/E14.08 as of 2026-07-10
• Net margin+40.3% as of 2026-07-10
• ROE+16.7% as of 2026-07-10
• Debt / equity0.47 as of 2026-07-10
• Revenue growth (YoY)+45.8% as of 2026-07-10
• Beta0.49 as of 2026-07-10

Dividend: yield +2.7%; 5-year non-decreasing per-share dividend streak (SEC XBRL).

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Key risks (from latest filing)

["Concentration risk in residential mortgage loans (approximately 47% of portfolio), which historically has been significant to the loan portfolio composition","Commercial and industrial loan portfolio carries higher risk than other loan types including industry-specific and customer-specific risks such as economic cycles and cash flow pressures","Interest rate risk and net interest margin compression from deposit competition and the rate environment"]

See CHCO's biggest risks from its latest 10-Q →

Competitors & peers

• BB&T (now Truist)
• F.N.B. Corporation
• Peoples Bancorp
• United Bankshares
• WesBanco

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