Stocks · Financial Services · Banks - Regional
City Holding Company CHCO
$142.82 +1.01% Close, Oct 2, 2026 · NASDAQ · Market cap $2.02B
Next earnings report: Oct 28, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 15.6× trailing earnings, higher than 90% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 96 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $379.7M, down 0.2% from a year earlier, slowing from 5.5% a quarter earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
Growth19Very weak
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 26%
- EPS growth (TTM, YoY)Bottom 38%
- FCF growth (TTM, YoY)Bottom 41%
- Revenue growth, 3-year CAGRTop 48%
- Revenue growth accelerationBottom 23%
Quality79Positive
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 20%
- Gross marginTop 18%
- Operating marginTop 17%
- Cash conversion (OCF / net income)Bottom 44%
- Accruals (lower is better)Bottom 42%
- Net debt / EBITDA (lower is better)Bottom 48%
- Interest coverTop 32%
Value33Weak
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 49%
- Free-cash-flow yieldBottom 44%
- EBITDA / enterprise valueTop 42%
- Sales / enterprise valueBottom 20%
- P/E vs own 5-year history (lower is better)Bottom 14%
Momentum78Positive
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 39%
- 6-month returnTop 24%
- 1-year return vs S&P 500Top 36%
- Distance from 52-week highTop 19%
- Trend checklist (0–4)Top 27%
Revisions11Very weak
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersBottom 43%
- Consecutive EPS beatsTop 42%
- Share of analysts rating BuyBottom 3%
- Upside to consensus price targetBottom 2%
Stability74Positive
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 25%
- Maximum drawdown, 3 yearsTop 25%
- Beta vs S&P 500 (lower is better)Top 32%
- Net debt / EBITDA (lower is better)Bottom 48%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 5.5% | -0.2% | ↓ |
| EPS growth (YoY) | 13.8% | 10.0% | ↓ |
| Gross margin | 76.8% | 78.8% | ↑ |
| Operating margin | 39.3% | 38.0% | ↓ |
| FCF margin | 33.9% | 36.5% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | -0.2% | 5.5% | ↓ | Bottom 26% |
| EPS growth (TTM, YoY) | 10.0% | 13.8% | ↓ | Bottom 38% |
| Gross margin | 78.8% | 76.8% | ↑ | Top 18% |
| Operating margin | 38.0% | 39.3% | ↓ | Top 17% |
| Net margin | 34.7% | 32.1% | ↑ | — |
| Free-cash-flow margin | 36.5% | 33.9% | ↑ | — |
| Return on invested capital | 8.1% | — | Top 20% | |
| Revenue growth, 3-year CAGR | 15.3% | — | Top 48% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.08×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.2%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -1.5 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.48×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 1.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 2.43%
- Net buyback yield (TTM)
- 2.73%
- Shareholder yield
- 5.16%
- Share count change, 1 year
- -2.8%
- Share count change, 3-year CAGR
- -2.2%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 2
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +3.5%
- Average 2-day reaction, last 8
- +1.8%
- Positive 20 days after report
- 4 of 8
Analysts
- Consensus price target
- $114.50
- Target vs current price
- -19.8%
- Analysts with a rating
- 8
- Share rating Buy or Strong Buy
- 0%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 22, 2026 | +5.4% | +3.1% | +7.3% | +8.3% | — |
| Apr 23, 2026 | +1.4% | +1.8% | -2.4% | -0.4% | +9.3% |
| Jan 21, 2026 | -4.8% | +2.1% | -0.9% | +2.5% | +3.2% |
| Oct 22, 2025 | +12.1% | +1.8% | -0.4% | -1.7% | +2.4% |
| Jul 22, 2025 | +16.2% | +3.8% | +2.1% | -0.6% | -0.6% |
| Apr 23, 2025 | +12.0% | +1.7% | +2.0% | +6.1% | +8.5% |
| Jan 23, 2025 | +1.6% | -0.1% | -0.5% | -0.5% | -4.3% |
| Oct 24, 2024 | +5.2% | +0.2% | +1.3% | +10.3% | +2.1% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 22, 2026 | $2.35 | $2.23 | +5.4% | $81.5M |
| Apr 23, 2026 | $2.20 | $2.17 | +1.4% | $79.2M |
| Jan 21, 2026 | $2.18 | $2.29 | -4.8% | $80.2M |
| Oct 22, 2025 | $2.41 | $2.15 | +12.1% | $79.0M |
| Jul 22, 2025 | $2.29 | $1.97 | +16.2% | $75.7M |
| Apr 23, 2025 | $2.06 | $1.84 | +12.0% | $72.4M |
| Jan 23, 2025 | $1.94 | $1.91 | +1.6% | $70.1M |
| Oct 24, 2024 | $2.02 | $1.92 | +5.2% | $73.7M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 15.6× | 14.4× | 90th | Bottom 49% |
| P/E (forward) | 15.4× | — | — | — |
| EV / EBITDA | 13.0× | — | — | Top 42% |
| EV / Sales | 5.99× | — | — | Bottom 20% |
| Free-cash-flow yield | 6.87% | — | — | Bottom 44% |
| Earnings yield | 6.40% | — | — | Bottom 49% |
P/E over the past five years
Range 12.4× – 17.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +16.6%
- Earnings per share growth (TTM)
- +10.0%
- Change in P/E multiple
- +10.5%
Most of the move came from a change in the valuation multiple.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 96
- 50-day average slope (20 days)
- +2.2%
- 200-day average slope (20 days)
- +1.6%
- Distance from 50-day average
- -0.7%
- Distance from 200-day average
- +10.1%
- RSI (14)
- 52.8
- Relative volume
- 0.79×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 15.8%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.45
- Correlation with S&P 500
- 0.35
- Current drawdown from 1-year high
- -3.5%
- Maximum drawdown, 3 years
- -18.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Nov 11, 2024 | Apr 10, 2025 | -18.9% | 102 days | 306 days (Jul 1, 2026) |
| Oct 24, 2022 | May 11, 2023 | -18.0% | 137 days | 147 days (Dec 11, 2023) |
| Mar 12, 2021 | Sep 16, 2021 | -17.3% | 130 days | 227 days (Aug 11, 2022) |
| Dec 27, 2023 | Apr 16, 2024 | -15.0% | 75 days | 62 days (Jul 16, 2024) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $2.02B
- P/E (TTM)
- 15.6
- EPS, diluted (TTM)
- $9.14
- Revenue (TTM)
- $379.7M
- Dividend yield
- 3.14%
- 52-week range
- $113.21 – $148.99
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $228.7M | $255.7M | $334.4M | $371.3M | $392.1M |
| Gross profit | $221.9M | $245.6M | $279.2M | $283.2M | $309.8M |
| Operating income | $111.2M | $127.3M | $143.1M | $144.5M | $162.6M |
| Net income | $88.1M | $102.1M | $114.4M | $117.1M | $130.5M |
| EPS (diluted) | $5.66 | $6.80 | $7.61 | $7.89 | $8.94 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $96.1M | $93.3M | $94.0M | $97.0M | $100.0M | $101.1M | $98.4M | $80.2M |
| Net income | $29.8M | $28.7M | $30.3M | $33.4M | $35.2M | $31.6M | $31.7M | $33.3M |
| EPS (diluted) | $2.02 | $1.94 | $2.06 | $2.29 | $2.41 | $2.18 | $2.20 | $2.35 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $102.3M | $115.8M | $137.6M | $131.9M | $131.4M |
| Capital expenditure | -$3.3M | -$2.1M | -$3.0M | -$2.7M | -$2.9M |
| Free cash flow | $99.0M | $113.7M | $134.6M | $129.2M | $128.4M |
| Dividends paid | -$36.1M | -$36.7M | -$40.0M | -$43.5M | -$47.3M |
| Net share buybacks | -$58.0M | -$25.7M | -$60.1M | -$17.2M | -$45.8M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $1.77B
- Total assets
- $6.77B
- Total liabilities
- $5.97B
- Total debt
- $527.6M
- Net debt
- $260.3M
- Shareholders’ equity
- $808.9M
As of Jun 30, 2026 (filed Aug 5, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Oct 15, 2026 | $1.00 | Oct 30, 2026 |
| Jul 15, 2026 | $0.87 | Jul 31, 2026 |
| Apr 15, 2026 | $0.87 | Apr 30, 2026 |
| Jan 15, 2026 | $0.87 | Jan 30, 2026 |
| Oct 15, 2025 | $0.87 | Oct 31, 2025 |
| Jul 15, 2025 | $0.79 | Jul 31, 2025 |
| Apr 15, 2025 | $0.79 | Apr 30, 2025 |
| Jan 15, 2025 | $0.79 | Jan 31, 2025 |
Short interest
- Shares sold short
- 983,730
- Days to cover
- 10.01
- Change vs previous report
- +4.0%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Oct 30, 1996
- 11-for-10
- Oct 30, 1995
- 11-for-10
- Dec 23, 1994
- 11-for-10
- Aug 17, 1992
- 11-for-10
- Jan 3, 1989
- 3-for-2