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City Holding Company (CHCO)

Financial Services | Banks - Regional | Charleston, United States | NasdaqGS
133.98 USD +1.22 (0.919%) ⇧ (July 13, 2026, 4 p.m. EDT)
Short-term:★★★⯪☆Long-term:★★★★☆Dividends:★★★⯪☆
Hot Take ↕ | July 11, 2026, 3:35 a.m. EDT

City Holding Company presents a compelling case for a core portfolio position, driven by robust profitability metrics that justify its premium valuation. The company is generating 17% returns on equity with operating margins exceeding 50%, which is exceptional for the regional banking sector. While the stock trades near its 52-week high, the recent price action and a high-confidence statistical forecast point to continued upward momentum in the near term. However, the disconnect between the rising share price and flat analyst price targets suggests the market is pricing in perfection, creating a potential overhang if earnings miss expectations. On the income front, the dividend is not only safe with a payout ratio under 40% but is also actively growing, rewarding shareholders who prefer capital appreciation alongside yield. The options market is quiet, reflecting a lack of aggressive speculation, which aligns with the stock's steady, fundamental-driven performance rather than a hype cycle.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.022682
AutoETS0.024963
MSTL0.025038
AutoARIMA0.025214

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 68%
H-stat 0.46
Ljung-Box p 0.000
Jarque-Bera p 0.051
Excess Kurtosis -0.08
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-07-14
Last Dividend Date 2026-04-14
Revenue per Share 22.218
Market Cap 1,890,614,016
Trailing P/E 14.66
Forward P/E 14.14
Beta 0.48
Profit Margins 41.25%
Website https://www.bankatcity.com

As of July 11, 2026, 3:35 a.m. EDT: Options activity remains thin with low implied volatility across expirations. Call interest is slightly heavier than puts, with notable open interest in in-the-money strikes at 120 and 125, suggesting traders view the current price as having support. There is minor speculative positioning at the 140 strike for further upside, while put volume is negligible, indicating a lack of significant hedging demand.

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.69% 2.77% 2.54% 2.85%
Dividend History
Date Dividend Yield %
2026-04-15 0.870000 0.691849
2026-01-15 0.870000 0.704396
2025-10-15 0.870000 0.726089
2025-07-15 0.790000 0.645161
2025-04-15 0.790000 0.702972
2025-01-15 0.790000 0.661254
2024-10-15 0.790000 0.659983
2024-07-15 0.715000 0.623855
2024-04-12 0.715000 0.723831
2024-01-11 0.715000 0.686708
2023-10-12 0.715000 0.780057
2023-07-13 0.650000 0.703311
2023-04-13 0.650000 0.708370
2023-01-12 0.650000 0.700658
2022-10-13 0.650000 0.698474
2022-07-14 0.600000 0.765306
2022-04-13 0.600000 0.791766
2022-01-13 0.600000 0.714201
2021-10-14 0.580000 0.745789
2021-07-14 0.580000 0.791161
2021-04-14 0.580000 0.722381
2021-01-14 0.580000 0.814035
2020-10-14 0.570000 0.983776
2020-07-14 0.570000 0.920989
2020-04-14 0.570000 0.861939
2020-01-14 0.570000 0.698016
2019-10-11 0.570000 0.759595
2019-07-12 0.530000 0.690644
2019-04-12 0.530000 0.671566
2019-01-14 0.530000 0.784256
2018-10-12 0.530000 0.731640
2018-07-12 0.460000 0.604150
2018-04-12 0.460000 0.645433
2018-01-11 0.460000 0.664644
2017-10-12 0.440000 0.604479
2017-07-12 0.440000 0.668287
2017-04-11 0.440000 0.689331
2017-01-11 0.430000 0.647493
2016-10-12 0.430000 0.863627
2016-07-13 0.430000 0.922351
2016-04-13 0.430000 0.896767
2016-01-13 0.420000 1.005025
2015-10-13 0.420000 0.867589
2015-07-13 0.420000 0.824985
2015-04-13 0.420000 0.891720
2015-01-13 0.400000 0.929368
2014-10-10 0.400000 0.947643
2014-07-11 0.400000 0.906618
2014-04-11 0.400000 0.957396
2014-01-13 0.370000 0.805398
2013-10-10 0.370000 0.855294
2013-07-11 0.370000 0.888782
2013-04-11 0.370000 0.975481
2013-01-11 0.350000 0.964187
2012-10-11 0.350000 0.987028
2012-07-11 0.350000 1.029412
2012-04-11 0.350000 1.038576
2012-01-11 0.350000 0.983422
2011-10-12 0.340000 1.144781
2011-07-13 0.340000 1.020714
2011-04-13 0.340000 1.000000
2011-01-12 0.340000 0.973933
2010-10-13 0.340000 1.036269
2010-07-13 0.340000 1.141323
2010-04-13 0.340000 0.974491
2010-01-13 0.340000 1.117686
2009-10-13 0.340000 1.146325
2009-07-13 0.340000 1.155284
2009-04-13 0.340000 1.113294
2009-01-13 0.340000 1.138266
2008-10-10 0.340000 0.856208
2008-07-11 0.340000 0.879235
2008-04-11 0.340000 0.897808
2008-01-11 0.310000 0.943109
2007-10-11 0.310000 0.817726
2007-07-11 0.310000 0.835580
2007-04-11 0.310000 0.795892
2007-01-10 0.280000 0.709220
2006-10-11 0.280000 0.718870
2006-07-12 0.280000 0.778860
2006-04-11 0.280000 0.800686
2006-01-11 0.250000 0.687191
2005-10-12 0.250000 0.752559
2005-07-13 0.250000 0.657549
2005-04-13 0.250000 0.863558
2005-01-12 0.220000 0.647059
2004-10-13 0.220000 0.683442
2004-07-13 0.220000 0.726312
2004-04-13 0.220000 0.646298
2004-01-13 0.200000 0.581058
2003-10-10 0.200000 0.563380
2003-07-11 0.200000 0.655738
2003-04-14 0.200000 0.703235
2003-01-14 0.150000 0.560748
2002-10-11 0.150000 0.626305
2002-07-12 0.150000 0.631313
2000-11-29 0.080000 1.280000
2000-08-30 0.080000 1.049180
2000-05-30 0.080000 0.800000
2000-03-08 0.200000 1.608040
1999-11-29 0.200000 1.207547
1999-08-30 0.200000 0.860215
1999-05-27 0.200000 0.735632
1999-02-25 0.200000 0.769231
1998-11-27 0.200000 0.588235
1998-08-28 0.190000 0.491909
1998-05-28 0.190000 0.447059
1998-02-26 0.190000 0.429379
1997-11-26 0.190000 0.463415
1997-08-27 0.180000 0.455696
1997-05-29 0.180000 0.590164
1997-02-27 0.180000 0.529412
1996-11-29 0.170000 0.755556
1996-08-28 0.154545 0.739128
1996-05-30 0.154545 0.727271
1996-02-28 0.154545 0.708331
1995-11-29 0.154545 0.739128
1995-08-30 0.140496 0.629630
1995-05-25 0.132231 0.571427
1995-02-23 0.125620 0.545292
1994-11-25 0.127724 0.531252
1994-08-26 0.120210 0.484847
1994-05-25 0.120210 0.613907
1994-02-23 0.112697 0.530972
1993-11-24 0.112697 0.461538
1993-08-26 0.112697 0.506328
1993-05-25 0.112697 0.508474
1993-02-23 0.112697 0.681817
1992-11-24 0.112697 0.833332
1992-08-26 0.105184 0.727272
1992-05-26 0.105184 0.732026
1992-02-24 0.105184 0.823529
1991-11-22 0.105184 0.823529
1991-08-26 0.097671 0.881357
1991-05-24 0.090158 0.872729
1991-02-25 0.090158 0.849560
1990-11-26 0.090158 0.827588
1990-08-27 0.082645 0.733337
1990-05-25 0.075131 0.695648
1990-02-23 0.075131 0.714281
1989-11-27 0.075131 0.666662
1989-08-28 0.075131 0.666662
1989-05-25 0.075131 0.588232
1989-02-23 0.075131 0.563377
1988-11-25 0.075131 0.454543
1988-09-14 0.065114 0.412699
1988-06-07 0.065114 0.393940
1988-03-04 0.065114 0.406250
1987-12-16 0.150263 1.034483
1987-07-06 0.116871 1.129030
Additional Data
dividendRate 3.48
dividendYield 2.6
exDividendDate 2026-07-15
trailingAnnualDividendRate 3.4
trailingAnnualDividendYield 0.025610125
lastDividendValue 0.87
lastDividendDate 2026-04-15
dividendDate 2026-07-31

Info Dump

Attribute Value
52 Week Change 0.054320216
Address1 25 Gatewater Road
All Time High 137.28
All Time Low 4.875
Ask 169.01
Ask Size 2
Audit Risk 7
Average Analyst Rating 3.0 - Hold
Average Daily Volume10 Day 180,520
Average Daily Volume3 Month 116,531
Average Volume 116,531
Average Volume10Days 180,520
Beta 0.482
Bid 96.36
Bid Size 2
Board Risk 4
Book Value 56.294
City Charleston
Compensation As Of Epoch Date 1,514,678,400
Compensation Risk 3
Country United States
Crypto Tradeable 0
Currency USD
Current Price 133.98
Custom Price Alert Confidence HIGH
Date Short Interest 1,782,777,600
Day High 134.02
Day Low 131.525
Dividend Date 1,785,456,000
Dividend Rate 3.48
Dividend Yield 2.6
Earnings Growth 0.068
Earnings Quarterly Growth 0.046
Earnings Timestamp 1,776,947,400
Earnings Timestamp End 1,784,723,400
Earnings Timestamp Start 1,784,723,400
Ebitda Margins 0.0
Enterprise To Revenue 6.619
Enterprise Value 2,115,715,968
Eps Current Year 9.064
Eps Forward 9.478
Eps Trailing Twelve Months 9.14
Esg Populated 0
Ex Dividend Date 1,784,073,600
Exchange NMS
Exchange Data Delayed By 0
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 126.8032
Fifty Day Average Change 7.176796
Fifty Day Average Change Percent 0.05659791
Fifty Two Week Change Percent 5.4320216
Fifty Two Week High 136.17
Fifty Two Week High Change -2.1900024
Fifty Two Week High Change Percent -0.016082855
Fifty Two Week Low 113.21
Fifty Two Week Low Change 20.769997
Fifty Two Week Low Change Percent 0.18346433
Fifty Two Week Range 113.21 - 136.17
Financial Currency USD
First Trade Date Milliseconds 551,712,600,000
Five Year Avg Dividend Yield 2.71
Float Shares 13,861,963
Forward Eps 9.478
Forward P E 14.135894
Full Exchange Name NasdaqGS
Full Time Employees 928
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,782,864,000
Gross Margins 0.0
Gross Profits 319,663,008
Has Pre Post Market Data 1
Held Percent Insiders 0.03709
Held Percent Institutions 0.71879
Implied Shares Outstanding 14,111,166
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,776,211,200
Last Dividend Value 0.87
Last Fiscal Year End 1,767,139,200
Last Split Date 846,633,600
Last Split Factor 11:10
Long Business Summary 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.
Long Name City Holding Company
Market us_market
Market Cap 1,890,614,016
Market State PRE
Max Age 86,400
Message Board Id finmb_261215
Most Recent Quarter 1,774,915,200
Net Income To Common 130,673,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 1,874,527,291
Number Of Analyst Opinions 5
Open 133.4
Operating Cashflow 137,866,000
Operating Margins 0.50945
Overall Risk 2
Payout Ratio 0.366
Peg Ratio 1.91
Phone 304 769 1100
Pre Market Change 0.5299988
Pre Market Change Percent 0.39558053
Pre Market Price 134.51
Pre Market Time 1,784,016,332
Previous Close 132.76
Price Eps Current Year 14.781552
Price Hint 2
Price To Book 2.380005
Price To Sales Trailing12 Months 5.9143972
Profit Margins 0.41255
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key hold
Recommendation Mean 3.0
Region US
Regular Market Change 1.22
Regular Market Change Percent 0.918952
Regular Market Day High 134.02
Regular Market Day Low 131.525
Regular Market Day Range 131.525 - 134.02
Regular Market Open 133.4
Regular Market Previous Close 132.76
Regular Market Price 133.98
Regular Market Time 1,783,972,801
Regular Market Volume 152,203
Return On Assets 0.019709999
Return On Equity 0.17009
Revenue Growth 0.055
Revenue Per Share 22.218
Sand P52 Week Change 0.20847368
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 2
Shares Outstanding 14,111,166
Shares Percent Shares Out 0.0692
Shares Short 976,928
Shares Short Previous Month Date 1,780,012,800
Shares Short Prior Month 885,134
Short Name City Holding Company
Short Percent Of Float 0.098500006
Short Ratio 6.55
Source Interval 15
State WV
Symbol CHCO
Target High Price 135.0
Target Low Price 125.0
Target Mean Price 131.4
Target Median Price 132.0
Total Cash 332,952,000
Total Cash Per Share 23.595
Total Debt 558,054,016
Total Revenue 319,663,008
Tradeable 0
Trailing Annual Dividend Rate 3.4
Trailing Annual Dividend Yield 0.025610125
Trailing Eps 9.14
Trailing P E 14.658643
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 123.4499
Two Hundred Day Average Change 10.530098
Two Hundred Day Average Change Percent 0.08529855
Type Disp Equity
Volume 152,203
Website https://www.bankatcity.com
Zip 25,313