CHCO
CITY HOLDING CO
Next earnings Jul 20, 2026 · consensus $2.27 EPS, $82.2M rev
Last earnings +1.8% on 2026-04-23
$134.02
▲ +0.98%$134.02▲ +18.26%
over 1Y
L $113.33EODHDH $134.02
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+1.0%
1W+4.9%
1M+7.6%
3M+13.0%
YTD+13.4%
1Y+18.3%
Hold
Conviction
Horizon
Medium (3–12mo)
Street · 10 analysts
Sell
Strong net margin (175.6%).
The read
Middling fundamentals offset by an attractive price (~36% below fair value) — worth a look on the value angle.
CITY HOLDING CO shows $74.3M in FY2025 revenue (+3.2% YoY), a 175.6% net margin, and 16.1% ROE.
Financials · annual, by fiscal year
| Line item | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | $64.9M | $68.1M | $69.1M | $72.0M | $74.3M |
| Gross profit | — | — | — | — | — |
| Operating income | — | — | — | — | — |
| Net income | $88.1M | $102M | $114M | $117M | $130M |
| Diluted EPS | $5.66 | $6.80 | $7.61 | $7.89 | $8.93 |
| Net margin | 135.7% | 149.9% | 165.6% | 162.7% | 175.6% |
Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.
Key statistics
Valuation
Enterprise value—
EV / EBITDA—
EV / Sales—
EV / FCF—
P / FCF15.0
PEG (trailing)1.31
Earnings yield6.8%
FCF yield6.7%
Quality & risk
ROIC (est.)—
Free cash flow$128M
Total debt$288M
Net cash-$95.9M
Piotroski F-Score6/7
Capital returns
Buyback yield2.4%
Dividend yield (est.)2.5%
Shareholder yield4.8%
Shares Δ YoY-2.2%
Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.
Disclosure timeline
SEC · 8-Ks + reportsSome governance/structural items recently, but no outright red flags.
Recent filings
all on EDGAR ↗11-KPeriod ending 2025-12-312026-06-23open ↗4Period ending 2026-05-292026-06-01open ↗144Filing2026-05-29open ↗8-KPeriod ending 2026-05-282026-05-28open ↗8-KPeriod ending 2026-05-272026-05-28open ↗4Period ending 2026-05-262026-05-27open ↗144Filing2026-05-26open ↗4Period ending 2026-05-222026-05-26open ↗4Period ending 2026-05-202026-05-21open ↗4Period ending 2026-05-122026-05-13open ↗4Period ending 2026-05-062026-05-07open ↗10-QPeriod ending 2026-03-312026-05-06open ↗
Frequently asked
- Is CITY HOLDING CO (CHCO) a buy?
- CHCO currently carries a Hold rating with 3/5 conviction, derived from its latest SEC filings. Strong net margin (175.6%).
- What is CHCO's fair value?
- A Modified-Graham model based on CHCO's SEC fundamentals estimates a fair value of about $182.50. It is an estimate from reported earnings, not a price target.
- Is CHCO overvalued or undervalued?
- Against a Modified-Graham fair-value estimate, CHCO currently appears undervalued relative to its SEC-grounded earnings power.
- What is CITY HOLDING CO's quality score?
- CHCO scores 70.79411764705881/100 (grade B) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.
Sources: SEC EDGAR (CIK 0000726854, latest 10-Q filed 2026-05-06) · EODHD · as of 6/26/2026, 7:42:31 PM.
Research and education only — not financial advice. EDGAR is not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities EDGAR rates; see Disclosures. Past performance does not guarantee future results. Do your own research.