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CITY HOLDING (CHCO)

Financials · regional banking · NASDAQ

A regional financial holding company offering full-service banking and wealth management services through a network of community-focused bank branches.

What CITY HOLDING does

City Holding Company is a regional financial holding company that provides comprehensive banking, fiduciary, and related financial services primarily through its subsidiary, City National Bank of West Virginia. The company operates a network of banking offices and offers a range of services including commercial and consumer lending, deposit products, wealth management, and bankcard services.

Themes: regional banking, wealth management, commercial lending, consumer banking

Fundamentals

  • Price$140.61 as of 2026-10-08 close
  • Market cap$2.0B as of 2026-08-03 (share count; price 2026-10-08)
  • 1-year return+15.1% 2025-10-08 close $122.19 → 2026-10-08 close $140.61
  • P/E15.25 as of 2026-10-08
  • ROE+16.1% FY2025, SEC XBRL
  • Debt / equity0.47 as of 2026-09-03
  • Revenue growth (YoY)+45.8% as of 2026-09-03
  • Beta0.49 as of 2026-09-03
  • Last reported earnings2026-07-22 SEC EDGAR Form 8-K (Item 2.02)

Dividend: yield +2.4%; at least 17 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.

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How CHCO compares in its sector

  • price-to-earnings ratiomiddle range 513 covered Financials peers, as of 2026-10-08
  • return on equitytop 25% 559 covered Financials peers, as of 2026-09-03
  • indicated dividend yieldmiddle range 468 covered Financials peers, as of 2026-09-03
  • free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025

Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.

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Top 10 scores & list membership

CHCO is not currently in any published Top 10 list. Its scores are below.

Top 10 score

71.2 #28 of 1,389 scored · #12 of 223 in Financials

  • Profitability66.3
  • Growth94.2
  • Financial health57.7
  • Valuation49.6
  • Capital return79.0
  • Trend75.6

Growth 94th (revenue growth year over year 45.8%) and capital return 79th (consecutive years of dividend increases 17 years, net share count bought back over the year 1.5); weakest is valuation (50th, price to earnings 15.5, price to book 2.5).

Scores as of 2 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4. CHCO was not in the scored universe at the latest run on 8 Oct 2026, so these scores are its last ones.

Dividend coverage (FY2025)

Covered by reported results. In FY2025, CHCO's dividend was covered by reported results (earnings payout 36%, free-cash-flow payout 37%). This describes past coverage, not a forecast.

  • Earnings payout36% dividends / net income
  • Free-cash-flow payout37% dividends / (operating cash flow − capex)

Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.

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How CITY HOLDING looks technically

CITY HOLDING (CHCO) is trading 8.2% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 90 trading days ago — a "golden cross", a bullish long-term signal. There is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 16, below the 25 that marks a real trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 45, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 2 trading days ago (its momentum flipped negative). It made a new 20-day low about 7 trading days ago.

Trend

8
Distance from the 200-dayit is trading 8.2% above its 200-day average, the long-term trend line — a longer-term uptrend+8.2%
50-day moving averageits average price over the last 50 trading days — a short-term trend line — is $143.59$143.59
200-day moving averageits average price over the last 200 trading days — the long-term trend line — is $129.94$129.94
Swing structureeach recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes nexthigher highs and higher lows
Last swing turnits last significant turn was a swing low 7 calendar days ago — the swings before that are what the structure reading is measured on7 sessions
Wave structureits recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five; the labelling fails if price closes below 137.7. It is the only labelling that fits, and it describes the swings already printed, not what comes next.possible upward five-wave sequence, in wave 5
Since the 50/200 crossits 50-day average crossed above its 200-day average about 90 trading days ago — a "golden cross", a bullish long-term signal90 sessions
Trend strength (14-day ADX)there is no clear trend right now — the price is choppy (ADX, a 0–100 trend-strength gauge, is 16, below the 25 that marks a real trend)16.3

Momentum

3
14-day RSImomentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 45, neither overbought (above 70) nor oversold (below 30)45.5
Position in its 14-day rangeit is trading around the middle of its 14-day range ($137.70 to $144.12) — its "stochastic" reading is 45 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions.45.3
Since the MACD crossed zeroMACD, a trend-momentum gauge, turned bearish about 2 trading days ago (its momentum flipped negative)2 sessions

Range

12
52-week highits highest closing price over the past year (about 252 trading days) was $148.83$148.83
From the 52-week highit is 5.5% below its 52-week high (its highest price of the past year)-5.5%
Above the 52-week lowit is 24.2% above its 52-week low (its lowest price of the past year)+24.2%
Below the 52-week highit is 5.5% below its highest point of the past year5.5%
Since a 20-day breakoutit made a new 20-day low about 7 trading days ago7 sessions
Since a 55-day breakoutit made a new 55-day high about 40 trading days ago40 sessions
All-time highits highest closing price on record is $148.83 (set on 2026-08-13)$148.83
Given back of the 52-week moveover the past year its closes ranged ($116.62 to $147.98), and it has given back roughly a quarter of its rise from last year’s low — 24% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $127.60 to $128.60. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast.23.5%
From the all-time highit is 5.5% below its all-time high-5.5%
Nearest price levelit is trading 1.5% below a resistance level at $142.69 — a price it turned at twice since 2026-08-10, most recently on 2026-09-01. Since 2024-10-08 it has 7 such levels below the current price and 2 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go.+1.5%
All-time lowits lowest closing price on record is $20.49 (set on 2009-03-09)$20.49
Above the all-time lowit is 586.2% above its all-time low+586.2%

Volatility

5
Band width vs its own 6 monthsday-to-day price swings are about average versus its own recent 6-month history33rd percentile
Typical daily rangein a typical session it travels about $2.39 between its high and its low — about 1.7% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was$2.39
Bollinger bands (20-day, ±2σ)most of its recent trading has stayed between about $137.88 and $145.38 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles$137.88 – $141.63 – $145.38
Typical daily range (% of price)its price moves about 1.7% in a typical session — among the calmest in the catalog. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price1.7%
Stretch from the 200-day averageit is trading 4.5 daily ranges above its 200-day average price (8.2% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale4.5 daily ranges above its 200-day average

Volume

1
Volume vs its 30-day averagetrading volume is about normal versus its 30-day average0.88×

Analyst

2
Change in the average price targetanalysts have raised their average price target by 1.4% since the prior reading+1.4%
Change in the consensus ratingthe analyst consensus rating is unchanged since the prior readingunchanged

Candlestick patterns

3
Since a doji7 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level7 sessions ago
Since a bullish engulfingtoday it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before ittoday
Since a bearish engulfing8 sessions ago it opened above the previous session's close and finished below that session's open — a "bearish engulfing" pair, where one down day more than undid the up day before it8 sessions ago

Price gaps

1
Gap at the openit opened on 2026-10-08 at essentially the same price it closed at the session before — no meaningful overnight gap-0.0%

Price streaks

1
Closing streakit closed higher in its latest session, after a session that did not close higher — a single up day rather than a run1 session up

Relative strength

4
vs market, 1 monthover the past 1 month this stock lagged the market by 3.8 percentage points (the stock lost 2.8% while the market gained 1.0%)-3.8%
vs market, 3 monthsover the past 3 months this stock beat the market by 3.5 percentage points (the stock gained 7.4% while the market gained 3.8%)+3.5%
vs market, 6 monthsover the past 6 months this stock lagged the market by 3.2 percentage points (the stock gained 14.3% while the market gained 17.5%)-3.2%
vs market, 12 monthsover the past 12 months this stock beat the market by 0.1 percentage points (the stock gained 15.1% while the market gained 15.0%)+0.1%

Signal agreement

2
Bullish technical signals2 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average — these describe past price behaviour, not a forecast2 of 9
Bearish technical signals2 of the 9 technical signals we can compute for it are currently in a bearish state: MACD momentum is negative, lagging the market over 6 months — these describe past price behaviour, not a forecast2 of 9

Trend (Ichimoku cloud)

1
Vs the Ichimoku cloudtrading inside the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the zone traders read as unresolved — neither side has established a trend, and the band is where that gets settled. The band itself is moderate, spanning 5.2% of the share price.0.0%

Volume-weighted price

2
Vs this year’s average price paidthe price is 8% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $130.56 — a volume-weighted average of daily closes over 190 sessions, not a true tick-by-tick VWAP.+7.7%
Vs the average paid since it last reportedthe price is 2% below the average price paid since it last reported on 2026-07-22 (its 8-K), so the typical buyer over that stretch is under water. That average is $142.93 — a volume-weighted average of daily closes over 56 sessions, not a true tick-by-tick VWAP.-1.6%

Price levels it has turned at before

CHCO last closed at $140.61 on 2026-10-08. Since 2024-10-08 it has turned at 7 prices below its last close and 2 above; the 3 nearest below and the 2 nearest above are listed, nearest first.

LevelSideDistanceEvidence
$142.69Resistance1.5% above the last closeturned there twice · 2026-08-10 to 2026-09-01
$136.92Support2.6% below the last closeturned there four times · 2024-11-11 to 2026-10-01
$147.22Resistance4.7% above the last closeturned there four times · 2026-08-03 to 2026-09-15
$130.07Support7.5% below the last closeturned there 8 times · 2025-07-07 to 2026-07-08
$126.36Support10.1% below the last closeturned there 9 times · 2024-11-19 to 2026-05-27

A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.

Wave structure

Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 5 of five.

This labelling fails — stops being a possible reading at all — if it closes below $137.70.

It is the only labelling that fits these swings, though its proportions are not the textbook ones. It was chosen from 3 labellings that survived the rules, counting shorter readings of the same bars.

On past moves of this shape the leg has usually ended somewhere between $147.55 and $163.49 — that is where it has tended to end if the count holds, not a forecast of where the price goes.

This reading has stood for 1 trading day, since 2026-10-08.

Read from daily closes as of 2026-10-08.

An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.

Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.

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Analyst consensus

  • Consensus ratingHold (3.00 mean, 1=Strong Buy…5=Strong Sell) — 5 analysts
  • Mean price target$142.40 range $128.00 – $147.00; median $146.00

Analyst estimates, as of 2026-10-07. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.

Analyst EPS estimate for CHCO

  • Consensus EPS estimate$2.36 next reporting period, as of 2026-10-07
  • Estimate change, 30 days+$0.004 (+0.2%) from $2.35, on 2026-09-02, 35-day window
  • Readings revised upward13% of 8 comparable readings

The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.

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Key risks (from latest filing)

["Fluctuations in interest rates and their impact on net interest margin and the valuation of investment securities.","Credit risk associated with the loan portfolio and the adequacy of the allowance for credit losses.","Dependence on regional economic conditions and the competitive landscape for deposit and loan growth."]

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

What changed in the latest 10-Q

AI-assisted comparison of CHCO's 10-Q filed 2026-08-05 against the prior one filed 2026-05-06.

Management's Discussion & Analysis (MD&A)

  • Added:
    • Newer filing (filed 2026-08-05) includes a Financial Summary table for the six months ended June 30, 2026 vs. 2025, with figures: Net income available to common shareholders $65,033 (2026) and $63,729 (2025), basic EPS $4.55 and $4.35, diluted EPS $4.55 and $4.35, dividend payout ratio 38.2% and 36.3%, ROA 1.95% and 1.96%, ROE 16.1% and 17.1%, ROATCE 20.0% and 21.7%, and average equity to average assets ratio 12.1% and 11.5%.
  • Removed:
    • Older filing (filed 2026-05-06) identified three accounting areas requiring the most subjective or complex judgments: (i) the determination of the allowance for credit losses, (ii) income taxes, and (iii) acquisition and preliminary purchase price accounting. The newer filing lists only (i) the determination of the allowance for credit losses and (ii) income taxes.
    • Older filing (filed 2026-05-06) included a footnote (1) to the portfolio segment table stating that for demand deposit overdrafts, the allowance for credit losses is measured using the historical loss rate. This footnote is absent from the newer filing.
    • Older filing (filed 2026-05-06) included a Financial Summary table for the three months ended March 31, 2026 vs. 2025. The newer filing replaces this with a six months ended June 30, 2026 vs. 2025 table.
  • Reworded:
    • Heading change: Older filing (filed 2026-05-06) used 'Allowance for Credit Losses'; newer filing (filed 2026-08-05) uses 'Allowance for Credit Losses (ACL)'.
    • Older filing (filed 2026-05-06) stated 'the Company stratifies the loan portfolio into six major groupings'; newer filing (filed 2026-08-05) states 'the Company stratifies the loan portfolio into five major groupings'.
    • Older filing (filed 2026-05-06) stated 'In the March 31, 2026 and December 31, 2025 estimates, the Company assumed a 2-year unemployment forecast range of 4.2% to 4.6%'; newer filing (filed 2026-08-05) states 'In the June 30, 2026 and December 31, 2025 estimates, the Company assumed a 2-year unemployment forecast range of 4.2% to 4.6%'.
    • Older filing (filed 2026-05-06) stated 'For the March 31, 2026 estimate, management did not adjust any qualitative factors utilized in the previous quarter'; newer filing (filed 2026-08-05) states 'For the June 30, 2026 estimate, management did not adjust any qualitative factors utilized in the previous quarter'.
    • Older filing (filed 2026-05-06) included the repeated sentence 'Historical loss rates from periods where the average unemployment rate matches the forecast range are considered when calculating the forecast period loss rate.' twice in the ACL section; the newer filing contains this sentence once.
    • Financial summary period heading changed from 'Three months ended March 31, 2026 vs. 2025' (older filing, filed 2026-05-06) to 'Six months ended June 30, 2026 vs. 2025' (newer filing, filed 2026-08-05).
  • Notes:
    • The newer filing source text is truncated at the end of the financial summary introductory line, so later MD&A content may exist but was not included in the provided texts.
    • The older filing source text is truncated in the middle of its Financial Summary table, so the older three-month figures were not fully available for comparison.

Risk Factors

  • Reworded:
    • In the newer filing (filed 2026-08-05), the page number listed next to 'Consolidated Statements of Cash Flows' in the Table of Contents is 7; in the older filing (filed 2026-05-06), it was 6.
    • In the newer filing (filed 2026-08-05), the page number listed next to 'Notes to Consolidated Financial Statements' in the Table of Contents is 8; in the older filing (filed 2026-05-06), it was 7.
  • Notes:
    • The provided 'Risk Factors' section text consists primarily of the risk factor preamble, a forward-looking statements disclaimer, and a Table of Contents; no substantive risk factor items were changed between the two filings.
    • The only detectable differences are Table of Contents page number updates, which are attributable to document pagination rather than substantive risk factor content changes.

AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.

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Insider activity (SEC Form 4)

4 open-market purchases and 2 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.

  • Last 90 days · read to 2026-10-044 buys ($59740) · 2 sells ($707713) — 4 buying, 2 selling insiders
  • Last 180 days · read to 2026-10-049 buys ($129773) · 10 sells ($2M) — 5 buying, 5 selling insiders

Cluster buying: 5 different insiders reported open-market purchases (SEC code P) of CHCO within a 30-day window between 2026-04-20 and 2026-05-12. Disclosed Form 4 activity, not a prediction of performance or a buy signal.

Activity heuristic: net buying (a transparent product heuristic from the counts above, not a prediction or advice)

Most recent open-market transaction: 2026-08-26. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.

View full insider trading history → View SEC Form 3/4/5 filings

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Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.

Institutional ownership (13F)

5 institutional 13F filers reported holding CHCO as of 2026-06-30 (quarter-end position, filed within 45 days).

  • Distinct 13F filers 5
  • Reported shares held 2,970,711
  • Reported value $394,035,056

reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 5 increased, 0 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".

Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.

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Short interest (FINRA)

CHCO had 983,730 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).

CHCO had 7.00% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 10.01 days to cover at the same settlement.

  • Reported short interest (shares) 983,730
  • Short interest (% of shares outstanding) 7.00%
  • Prior settlement (shares) 946,085
  • Reported change 3.98%
  • Days to cover (reported) 10.01

Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.

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Competitors & peers

AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.

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Frequently asked questions

What does CITY HOLDING (CHCO) do?

City Holding Company is a regional financial holding company that provides comprehensive banking, fiduciary, and related financial services primarily through its subsidiary, City National Bank of West Virginia. The company operates a network of banking offices and offers a range of services including commercial and consumer lending, deposit products, wealth management, and bankcard services.

What sector is CITY HOLDING (CHCO) in?

CITY HOLDING (CHCO) is classified in the Financials sector. Its industry is regional banking. It trades on NASDAQ.

Does CHCO pay a dividend?

Yes — CITY HOLDING (CHCO) pays a dividend, with an indicated yield of about 2.43% and at least 17 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-09-03). Informational only — not financial advice.

Who are CITY HOLDING's (CHCO) competitors?

Notable peers of CITY HOLDING (CHCO) include WesBanco, United Bankshares, Community Bank System, Trustmark and Park National. This peer set is informational only — not financial advice.

Is CITY HOLDING (CHCO) overbought or oversold right now?

CITY HOLDING (CHCO) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 45, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.

Where does stocks-llm's data on CHCO come from?

Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest; prices are market data, as of 2026-09-03; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.

Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-03 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.

Last updated 2026-10-08.

Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.