CHCO - NASDAQ
City Holding Company
$123.56
-0.097%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 SnapshotCity Holding Company Street Expectations Map
Wall Street analysts project that CHCO stock may experience modest gains over the coming 12 months. The consensus 1-year price target stands at 130.00, with estimates ranging from a low of 130.00 to a high of 130.00.
The consensus 1-year price target stands at 130.00, with estimates ranging from a low of 130.00 to a high of 130.00.
Analyst Consensus Analysis
Upside Potential
Moderate upside. Analysts expect positive returns but with limited margin of safety. Consider entry timing.
Analyst Agreement
High analyst agreement. Narrow target range indicates strong consensus on valuation, suggesting clear investment thesis and predictable outlook.
Analyst Conviction
Positive outlook with reasonable agreement. Analysts generally optimistic about prospects with manageable uncertainty.
Market Sentiment Insight
Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.
City Holding Company Forward Estimates of Revenue
Forward Growth Analysis
Significant contraction projected—major business challenges or industry disruption likely.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
Key Insight
Limited coverage with volatile estimates: Few analysts covering despite significant projected changes may indicate information gaps or emerging risks.
City Holding Company Forward Estimates of Net Income
Forward Growth Analysis
Declining expectations indicate headwinds—investigate whether temporary or structural issues.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
City Holding Company Forward Estimates of EPS
Forward Growth Analysis
Declining expectations indicate headwinds—investigate whether temporary or structural issues.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
City Holding Company Forward Estimates of EBIT
Forward Growth Analysis
Significant contraction projected—major business challenges or industry disruption likely.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
City Holding Company Forward Estimates of EBITDA
Forward Growth Analysis
Declining expectations indicate headwinds—investigate whether temporary or structural issues.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
City Holding Company Forward Estimates of SG&A Expense
Forward Growth Analysis
Declining expectations indicate headwinds—investigate whether temporary or structural issues.
Limited coverage may indicate reduced institutional interest or information availability.
Narrow estimate range signals strong analyst consensus and predictable business outlook.
Mixed signals—some positive indicators offset by concerns about growth or uncertainty.
City Holding Company Insider Positioning
During the last 12 months, insiders have purchased $236K and sold $2.35M worth of CHCO shares, resulting in $2.11M of net selling activity.
3 Months
1.2K
148.71K
13.0K
1.62M
-1.5M
-$1.47M
3-6 Months
0
0.00
442
55.25K
-55K
-$55K
6-9 Months
416
48.77K
1.7K
211.92K
-163K
-$163K
9-12 Months
305
38.75K
3.5K
458.76K
-420K
-$420K
Top Buyers
Fisher Robert D
Director
$77K
Strong-Treister Diane W
Director
$73K
Reyes Javier A
Director
$49K
Hoyer James A
Director
$25K
Parsons James M.
Director
$12K
Top Sellers
Hageboeck Charles R
Director, Officer: President & Ceo
$1.21M
Legge Jeffrey Dale
Officer: Evp, Cao & Cio
$491K
Bumgarner David L
Officer: Evp & Chief Financial Officer
$295K
Quinlan Michael T Jr
Officer: Evp, Retail Banking
$284K
Rowe Sharon H
Director
$73K
Insider Activity Analysis
Net Insider Sentiment
Strong bearish signal with $2.11M net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.
Buy/Sell Ratio
Weak buy/sell ratio. Selling significantly exceeds buying—monitor for potential fundamental concerns.
Recent Trend (3 Months)
Heavy recent selling activity. Recent insider sales notably exceed purchases—may warrant investigation into company developments.
Insider Participation
5 insider buyers and 5 sellers. Equal participation suggests mixed or neutral insider views.
Insider Activity Insight
Multiple red flags: Heavy selling, numerous sellers, and continued recent selling create a concerning pattern. Investigate fundamental drivers and consider whether company guidance or industry conditions have deteriorated.
Related Guides
Continue your CHCO research with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.