Is City Holding Company (CHCO) overvalued or fairly valued?

MarketChacha shows City Holding Company's valuation in context — a trailing P/E of about 15.5, a forward P/E of about 14.7, a price-to-book of about 2.5 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does City Holding Company's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (1.11×) from reported figures — education, not a rating.

What is City Holding Company's revenue?

City Holding Company reported revenue of $74.3M for FY2025, with net profit of $130.5M, per official filings.

What is the share price of City Holding Company (CHCO)?

City Holding Company last traded at $139.25 (+3.2% on the day), as of 7/22/2026 — a delayed quote shown for education, not investment advice.

City Holding Company

CHCO · NYSE · Financials · United States

$139.25+3.2%

Delayed · as reported by Yahoo Finance · as of Jul 22, 2026, 7:34 PM

Snapshot

TickerCHCO

ExchangeNYSE

SectorFinancials

IndustryBanks - Regional

CountryUnited States

Employees928

HeadquartersCharleston, United States

Market cap$2.0B

P/E (TTM)15.5

P/B2.5

Volume188.05K

Websitewww.bankatcity.com

Filings tracked9

About City Holding Company

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.

Profile as reported by Yahoo Finance.

Who owns it

Insiders3.7%
Institutions71.9%
Public & other24.3%

340 institutional holders

As reported by Yahoo Finance.

Top holders

Blackrock Inc.14.37%
Vanguard Portfolio Management LLC6.78%
State Street Corporation4.93%
Vanguard Capital Management LLC4.36%
Westwood Holdings Group Inc.4.08%
Charles Schwab Investment Management, Inc.3.51%
Dimensional Fund Advisors LP3.33%
Geode Capital Management, LLC2.53%

Largest institutional holders, as reported by Yahoo Finance (as of 3/31/2026).

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion1.11×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Net margin trend165.6% → 175.6%

Margin has expanded by about 10.1 points — the business is getting more profitable.

Return on equity16.1%

Latest ROE of 16.1% — capital is generating a healthy return.

Growth qualityrev 4% · PAT 7%

Profit growth is broadly tracking revenue growth — the earnings trend looks operational rather than one-off.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $82.7M · EPS 2.32

Est. earnings growth +6.3%

Next fiscal year

Rev $333.1M · EPS 9.48

Est. earnings growth +4.6%

Analyst consensus estimates — not the company's own guidance. As reported by Yahoo Finance.

$113.2152-wk range$139.74

Delayed · as reported by Yahoo Finance

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

Market cap

$2.0B

Day change

+3.2%

P/E (TTM)

15.5

Fwd P/E

14.7

P/B

2.5

Div yield

2.58%

Beta

0.48

Revenue (FY2025)

$74.3M

Net margin

175.6%

ROE

16.1%

Revenue CAGR (2y)

+3.7%

Profit CAGR (2y)

+6.8%

EPS (FY2025)

8.93

Net profit (FY2025)

$130.5M

Market figures: Delayed · as reported by Yahoo Finance. Financials as reported in company filings.

Ask MarketChacha about CHCO

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Revenue	Net profit	EPS	Net margin	ROE
FY2025	$74.3M	$130.5M	8.93	175.6%	16.1%
FY2024	$72.0M	$117.1M	7.89	162.7%	16.0%
FY2023	$69.1M	$114.4M	7.61	165.6%	16.9%

Quarterly

Period	Net profit	EPS
2026Q1	$31.7M	2.20
2025Q3	$35.2M	2.41
2025Q2	$33.4M	2.29
2025Q1	$30.3M	2.06
2024Q3	$29.8M	2.02
2024Q2	$29.1M	1.96
2024Q1	$29.5M	1.97
2023Q3	$29.8M	1.98
2023Q2	$32.7M	2.16
2023Q1	$24.3M	1.63

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

8-K — Results of operations, Exhibits
SEC7/22/2026material
8-K — Executive/director change
SEC5/28/2026material
8-K — Other events
SEC5/28/2026material
10-Q filing
SEC5/6/2026
8-K/A — Shareholder vote results
SEC5/1/2026
8-K — Executive/director change, Exhibits
SEC4/29/2026material
8-K — Executive/director change, Shareholder vote results, Exhibits
SEC4/29/2026material
8-K — Results of operations, Exhibits
SEC4/23/2026material
8-K — Other events, Exhibits
SEC3/26/2026material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed · as reported by yahoo finance) are delayed and shown for reference only. Verify with the linked sources before acting.