City Holding Company Common Stock (CHCO)
Slow GrowerFairStock Score: 63/100 — STEADY
Key Financials
| Current Price | $142.01 |
| Market Cap | $2.0B |
| P/E Ratio | 15.54 |
| ROE | 16.75% |
| Dividend Yield | 2.82% |
| Sector | Financial Services |
AI Analysis
AI-generated, general educational analysis — not personal investment advice.
As a Buffett/Graham-style investor, I look for a bank that earns high returns on equity, keeps credit risk tight, and sells at a sensible price to book. City Holding, parent of City National Bank of West Virginia, reported fiscal FY2025 net income of $130.5 million and diluted EPS of $8.93; FY2024 net income was $117.1 million and EPS $7.89; FY2023 net income was $114.4 million and EPS $7.61. So earnings have risen, but FairStock's Lynch category calls it a slow grower, citing roughly 7.8% annual profit growth and 3.9% revenue growth over five years. In the quarter ended 2026-06-30, net income was $33.3 million and diluted EPS $2.35, versus $33.4 million and $2.29 in the quarter ended 2025-06-30—almost flat.
In plain English: City Holding is a small regional bank based in West Virginia that takes deposits and makes loans to local people and businesses. It has been consistently profitable and pays a decent dividend, but its profits are growing slowly. At the recent price of $139.42, the shares look somewhat expensive compared with the company's earnings and accounting value, though the bank's steady record keeps it from looking wildly overpriced.
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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash
Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)
Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer