City Holding Company

City Holding Company

CHCOยทNASDAQ

$123.56

-0.097%
Financial ServicesBanks - Regional

City Holding Company operates as a holding company for City National Bank of West Virginia that provides various banking, trust and investment management, and other financial solutions in the United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. It 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; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts. In addition, the company 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, it provides deposit services for commercial customers comprising 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 operates through a network of 94 branches and 905 full-time equivalent associates in West Virginia, Virginia, Kentucky, and Ohio. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.

At a Glance

Live Snapshot
Market Cap$1.74B
EPS8.9400
P/E Ratio13.82
Earnings Date07/28/2026
City Holding Company

City Holding Company Fair Value Envelope

CHCO ยท NASDAQ

Our analysis suggests that CHCO has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $123.56, this represents a potential HIDDEN relative to our calculated worth for City Holding Company.

Intrinsic Value
Current Price: $123.56

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$1.8B
+ Cash & Equivalents$152.1M
Firm Value$2.0B
- Debt$517.7M
Equity Value$1.5B
/ Shares Outstanding14,541,847B
DCF Value$100
OVERVALUED BY 19%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$130.6M
$129.9M
$129.1M
$128.4M
$127.6M
$126.9M
$126.2M
$125.5M
$124.7M
$124.0M
Maintenance CapEx
-$581.4K
-$578.1K
-$574.8K
-$571.5K
-$568.2K
-$564.9K
-$561.7K
-$558.5K
-$555.3K
-$552.1K
Owner Earnings
$130.0M
$129.3M
$128.5M
$127.8M
$127.1M
$126.3M
$125.6M
$124.9M
$124.2M
$123.5M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$120.4M
$110.8M
$102.0M
$93.9M
$86.5M
$79.6M
$73.3M
$67.5M
$62.1M
$57.2M
Terminal Value represents 53.3% of Enterprise Value