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City Holding Company (CHCO) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of City Holding Company $74.81, price $139, upside -46.3%, quality 70 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? Yes
  3. Add to watchlist

Financial Services · US · ISIN US1778351056

CH City Holding Company logo Broad data Sep 24, 2026

City Holding Company

CHCO · US

Stretched ValuationStrong overvaluation with only moderate quality.

!Fair value $74.81 · Strongly overvalued (−46%)
✓Quality 70/100
✓Healthy Growth (revenue 5y +9.0 %/yr)
✓Highly profitable · 41.3% net margin (TTM)
✓Low debt · generates free cash flow
·2.44% dividend yield
!Mixed vs. peers (6/15)
✓Wide moat 84/100
✓Insider activity 88/100
!Weak on future: 28 out of 100
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$147.98 $63.16 Fair Value $74.81 Jun 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range $63.16 – $147.98 · fair‑value band $57.63 – $105.75 · the $139.25 price screens above the $74.81 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

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.

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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.

Stock analysis

City Holding Company (CHCO) currently trades at $139.25, while our model-based Fair Value estimate is $74.81, implying the stock looks roughly 86.2% overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $80.33 per share, and 0 of the 6 models we run sit above the $139.25 price.

Bear case: the Dividend Discount group reads lowest at $38.31, and 6 of the 6 models stay below the price. Evidence for this calculation is high.

Scenario range: $57.63 (bear) to $105.75 (bull), the price of $139.25 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 70/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

City Holding Company reported revenue of $392M in FY2025 versus $229M in FY2021, a compound +14.4%/yr. Reported net income was $130M in FY2025, compounding +10.3%/yr from FY2021.

Key figures

Market cap $2.0B · P/E ratio 15.4 · P/S ratio 5.11 · EPS (TTM) $9.07 · Dividend yield 2.4% · Net margin 33.3% · Return on equity 17.0% · Return on assets (EBIT) 2.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 73 out of 100 (medium confidence).

What moves the price

The share trades about 6% below its 52-week high and 21% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −46%, CHCO screens richer than that median.

Fair Value models

Bear $57.63 Fair Value $74.81 Bull $105.75
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($4.15 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income $55.48 $69.53 $152.91 70
Gordon GGM $26.04 $46.92 $64.59 68
DDM Multi-Stage $26.04 $38.31 $49.61 67
All 6 models by family
Dividend Discount
Gordon GGM $26.04 $46.92 $64.59 68
DDM Multi-Stage $26.04 $38.31 $49.61 67
Multiples
P/E Multiple $90.16 $120.21 $150.26 63
P/B Multiple $60.25 $80.33 $100.41 55
Asset-Based
NCAV (Graham) $28.69 $38.44 $57.38 54
Economic Profit
Residual Income $55.48 $69.53 $152.91 70

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Quality Score breakdown

Overall quality 70/100

Of which business quality 56 · Market factors (momentum, volatility) 70

Profitability 40
Margins and returns on capital today
Quality Growth 55
Are margins and returns improving?
Cashflow 84
Earnings quality: real cash, not paper profit
Fin. Strength 8
Balance sheet, leverage, solvency risk
Investment 73
Disciplined investing over empire-building
Low Volatility 97
Calm price path (market factor)
Momentum 57
Price trend over the last 3–12 months (market factor)
52W Momentum 61
Distance to the 52-week high (market factor)
Net Issuance 97
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 88/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+5.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.3%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.0%
Start year 2020 (pandemic). Over 10 years: +8.2% a year
Revenue growth 36 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.5%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+12.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.2%
Dividend (yield on the price)2.4%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.10% vs 10%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.44% → 42%
Start year 2020 (pandemic)

Growth Forecast

Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−20.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
−1.5%
Yearly sales growth analysts expect, extended to five years.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −22.0% a year for the price and −3.8% for the forecasts.
Forecast 2026 (sales)−17.1%
Forecast 2027 (sales)+3.0%
Projected 2028 (sales)+2.9%
Projected 2029 (sales)+2.8%
Projected 2030 (sales)+2.6%

CHCO screens 86% overvalued. Compare with DBS Group →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1074 stocks

Beats the industry median on 6/15 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 67 · Top 25%
Fair Value upside −46% · Bottom 25%
Profitability
Return on equity (TTM) 17% · Top 25%
Return on assets 2% · Top 25%
Net margin (TTM) 41% · Top 25%
Operating margin (TTM) 51% · Top 25%
Growth and dividend
Revenue growth 6% · Below median
Dividend yield (TTM) 2.4% · Below median
Balance sheet
Debt / equity 0.19× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 15.4× · Pricier than median
P/B 2.47× · Priciest 25%
P/S (TTM) 6.26× · Priciest 25%
P/FCF 15.6× · Priciest 25%
EV/EBITDA 11.7× · Pricier than median
PEG 1.91× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 12
FUTURE (revenue growth)28 · sector 45
PAST (return on equity)68 · sector 41
HEALTH (low debt)91 · sector 85
DIVIDEND (yield)49 · sector 53

VALUE 0: the price sits above our fair-value range.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

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DBS Group D05 77.80 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.65 HK$64.29 +24%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹738.60 ₹418.52 −43%
BNP Paribas SA BNP €101.30 €105.99 +5%
UniCredit S.p.A UCG €83.28 €77.62 −7%
Mizuho Financial Group MFG $10.87 $6.75 −38%
ICICI Bank Limited ICICIBANK ₹1,340 ₹636.31 −53%
The PNC Financial Services Group PNC $227.96 $159.52 −30%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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City Holding Company · Fair Value
$74.81 −86%Fair Value
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Cite: Fair Value Calculator (2026). "City Holding Company Fair Value". https://www.fairvalue-calculator.com/stock/CHCO

Frequently asked questions

Is City Holding Company (CHCO) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $74.81 versus a price of $139.25, about −46% upside (overvalued).
What is the fair value of CHCO?
Our model-based fair value for City Holding Company is $74.81 (as of Sep 24, 2026), built from audited fundamentals. The current price: $139.25.
What is the quality score of CHCO?
City Holding Company has a Quality Score of 70/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for City Holding Company (CHCO)?
Our model-based price target is the fair value of $74.81 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $57.63, optimistic scenario $105.75. It is a calculation from audited fundamentals, not an analyst target.
What is the City Holding Company stock forecast for 2026?
Our models put fair value at $74.81, about −46% upside versus a price of $139.25 (overvalued). Cautious scenario $57.63, optimistic scenario $105.75. The calculation is refreshed regularly with new filings.
What is the revenue of City Holding Company (CHCO)?
City Holding Company reported trailing-twelve-month revenue of about $320M (latest available figure, as of Sep 24, 2026).
Does City Holding Company pay a dividend?
City Holding Company currently shows a dividend yield of about 2.44% relative to its recent price (as of Sep 24, 2026).
What growth is priced into City Holding Company (CHCO)?
For today's price to be fair in a discounted-cash-flow model, City Holding Company would have to grow free cash flow by -20.1 % per year for five years (discount rate 9.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +9.0 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of CHCO use?
Our models discount City Holding Company at 9.8 %: a base by market capitalisation (small), damped by beta 0.49, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For City Holding Company that is -20.1 % per year a year over ten years, using the same discount rate (9.8 %) and the same formula as our fair value.
How much growth has City Holding Company (CHCO) delivered so far?
Over the past 5 years revenue at City Holding Company grew +9.0 % a year. The price currently implies -20.1 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of City Holding Company (CHCO) growing?
The median revenue growth in the sector is +8.4 % a year. That is the yardstick for the growth priced into City Holding Company (-20.1 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of City Holding Company (CHCO)?
The free-cash-flow yield on the price is 6.42 %: that much free cash flow City Holding Company produces per unit of market value. When it exceeds the discount rate of our models (9.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of City Holding Company (CHCO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For City Holding Company it is $74.81 per share (as of Sep 24, 2026), against a price of $139.25. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is City Holding Company stock overvalued or undervalued in 2026?
As of Sep 24, 2026, CHCO trades above its calculated fair value: price $139.25, fair value $74.81, a gap of about −46% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CHCO?
No. The price is what the market pays today ($139.25); the fair value is what the company's own numbers justify ($74.81). For City Holding Company the two are $64.44 per share apart. That gap is exactly why we show both numbers side by side.
How much is City Holding Company worth?
The market values City Holding Company at about $2.0B (market capitalisation, as of Sep 24, 2026). Per share that is $139.25; our models calculate a fair value of $74.81 per share.
What do the bullish and bearish scenarios say about CHCO?
Our models span a range for City Holding Company: cautious scenario $57.63, base $74.81, optimistic $105.75 per share (as of Sep 24, 2026, price $139.25). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CHCO?
City Holding Company trades at a price-to-earnings ratio of 15.4 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $74.81 is built from several models across several years. Other multiples: PEG 1.9, P/B 2.5, P/S 6.3, EV/EBITDA 11.7.
What is the PEG ratio of CHCO?
The PEG ratio of City Holding Company is 1.91 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of City Holding Company (CHCO)?
Balance-sheet figures for City Holding Company (as of Sep 24, 2026): return on equity 17.0%, debt of 0.19 per unit of equity. They feed the Quality Score of 70/100, which measures business quality independently of the share price.
How far is CHCO from its 52-week high?
City Holding Company trades at $139.25, about 6% below its 52-week high of $147.98 and 21% above the low of $115.42 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of $74.81 is for.
Which stocks are comparable to City Holding Company?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is City Holding Company stock attractive at the current price?
The data as of Sep 24, 2026: price $139.25, calculated fair value $74.81 (−46%), Quality Score 70/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CHCO calculated?
We run City Holding Company through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $74.81, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. City Holding Company itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of City Holding Company (CHCO)?
The closing price on Sep 23, 2026 was $139.25. Our model-based fair value is $74.81, about −46% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with City Holding Company right now?
A high-quality business (quality 70/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety. The price sits above even our optimistic bull case ($105.75). The favourable scenario is already priced in. A fairly wide model range ($57.63 to $105.75) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of City Holding Company (CHCO) come from?
Earnings per share at City Holding Company grew +10.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +8.4 %, EBIT margin −0.5 %, tax rate +2.0 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of City Holding Company

How large is the market capitalisation of City Holding Company (CHCO)?
The market capitalisation of City Holding Company is $2.0B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of City Holding Company (CHCO)?
The price-to-sales ratio of City Holding Company is 5.11 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of City Holding Company (CHCO)?
Earnings per share at City Holding Company are $9.07 (price ÷ EPS = P/E 15.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of City Holding Company (CHCO)?
The dividend yield of City Holding Company is 2.4% (payout 37.5%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of City Holding Company (CHCO)?
The net margin of City Holding Company is 33.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of City Holding Company (CHCO)?
The return on equity (ROE) of City Holding Company is 17.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of City Holding Company (CHCO)?
On an EBIT basis the return on assets of City Holding Company is 2.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of City Holding Company (CHCO)?
The operating margin of City Holding Company is 51.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at City Holding Company (CHCO)?
Revenue at City Holding Company is growing +5.5% versus a year earlier (3y avg +15.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at City Holding Company (CHCO)?
Earnings per share at City Holding Company are growing +6.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does City Holding Company (CHCO) carry?
The net debt of City Holding Company is $366M (fiscal year 2025, ≈ 2.8 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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