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City Holding (CHCO) Fair Value & Analysis

Financial Services · US · Market cap $1.8B

Price$131.31
Fair Value$120.21
Upside-8.5%
Quality95/100
Evidence: High Range $90.16 – $150.26

Fair value as of: Jun 25, 2026

Analysis

City Holding (CHCO) currently trades at $131.31, while our model-based Fair Value estimate is $120.21 — implying the stock looks roughly 8.5% overvalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium — the entry price still matters most (evidence: high).

About the 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…

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Frequently asked questions

Is City Holding (CHCO) undervalued?
As of Jun 25, 2026, our model estimates a fair value of $120.21 versus a price of $131.31 — about −8% (overvalued). Model-based estimate, not financial advice.
What is the fair value of CHCO?
Our 21-model fair value for City Holding is $120.21 (as of Jun 25, 2026), built from audited fundamentals. The current price is $131.31.
What is the quality score of CHCO?
City Holding has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.