CHCO
City Holding Company
CHCO's fundamentals are mixed: revenue grew 6.3%, while its operating margin held steady at 50%. At 16x earnings, it's trading in line with its usual 14x. Analysts expect earnings growth.
CHCO Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CHCO's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CHCO.
CHCO PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 13x | $116 | -18% |
| Fair | 14x | $130 | -8.5% |
| Expensive | 15x | $141 | -1% |
| Forward | 15x | $142 | — |
| Current | 16x | $142 | — |
Historical ranges are pointers, not guarantees.
CHCO's PE is in its expensive range at 16x. If earnings grow as analysts expect, today's price would be 15x next year's earnings.
CHCO Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Growth | |
| Stable | |
| Improving | |
| Limited | |
| High |
Analysts expect CHCO's earnings to grow and its profitability to improve, with its revenue holding steady.
CHCO Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $9.53 | +4.2% |
| Q3 2026 | $9.15 | +5.2% |
| Q2 2026 | $9.13 | +9.9% |
| Q1 2026 | $9.07 | +14% |
| Q4 2025 | $8.93 | +13% |
| Q3 2025 | $8.70 | +12% |
| Q2 2025 | $8.31 | +7.2% |
| Q1 2025 | $7.98 | +0.4% |
| Q4 2024 | $7.89 | +3.7% |
CHCO's earnings per share have climbed steadily: $9.15 over the past year, up 5.2% from the year before, and higher year over year for eight quarters in a row.
CHCO Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $84M | +3.4% |
| Q2 2026 | $81.5M | +4.3% |
| Q1 2026 | $79.2M | +6.3% |
| Q4 2025 | $80.2M | +12% |
| Q3 2025 | $81.3M | +7% |
| Q2 2025 | $78.2M | +6.3% |
| Q1 2025 | $74.6M | +3% |
| Q4 2024 | $71.7M | +4.1% |
CHCO's revenue has grown year over year for nine quarters in a row: $84M last quarter, up 3.4% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 51% | -2.5 points |
| Q2 2026 | 51% | -2 points |
| Q1 2026 | 50% | 0 points |
| Q4 2025 | 49% | +1.2 points |
| Q3 2025 | 54% | +5.1 points |
| Q2 2025 | 53% | +3.3 points |
| Q1 2025 | 50% | -1.1 points |
| Q4 2024 | 48% | -1.4 points |
CHCO's operating margin was 51% last quarter, down 2.5 points from the same quarter a year ago.
CHCO Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $35.1M | -1.8% |
| Q2 2026 | $31.8M | +14% |
| Q1 2026 | $37.3M | +19% |
| Q4 2025 | $33.6M | +2.4% |
| Q3 2025 | $35.8M | -3.4% |
| Q2 2025 | $27.8M | +0.1% |
| Q1 2025 | $31.3M | -1% |
| Q4 2024 | $32.8M | -0.5% |
CHCO's free cash flow was $138M over the past year, up 8% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CHCO.
CHCO Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -13K shares |
| 1 year | -2.9% | -414K shares |
| 3 years | -6% | -896K shares |
| 5 years | -8.2% | -1.3M shares |
| Available history | -13% | -2.2M shares |
CHCO has 14M diluted shares, down 2.9% from a year ago, with $55M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | — |
| Q2 2026 | $7.3M |
| Q1 2026 | $30.9M |
| Q4 2025 | $16.9M |
| Q3 2025 | — |
| Q2 2025 | $19.4M |
| Q1 2025 | $9.5M |
| Q4 2024 | — |
CHCO spent $55M buying back its own shares over the past year, up 90% from the year before.
CHCO Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -0.3x | Net Cash |
| Q2 2026 | -0.7x | Net Cash |
| Q1 2026 | -0.9x | Net Cash |
| Q4 2025 | -0.3x | Net Cash |
| Q3 2025 | -0.5x | Net Cash |
| Q2 2025 | -0.1x | Net Cash |
| Q1 2025 | -1.6x | Net Cash |
| Q4 2024 | -0.5x | Net Cash |
CHCO has more cash than debt. Net leverage isn't a meaningful measure for financial services companies like CHCO.
CHCO Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 58.4 | Neutral |
| Stochastic | 38.6 | Neutral |
CHCO's weekly RSI is 58 (neutral) and its Stochastic is 39 (neutral).
CHCO PE vs Financial Services Sector
| Metric | CHCO | Sector median | Relative |
|---|---|---|---|
| PE | 16x | 13x | 19% above |
| PE % | 86 | 63 | 23 pts above |
CHCO is trading at 16x earnings, a 19% premium to the Financial Services sector's median of 13x.
CHCO Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $141.8 | 0.1% above |
| 20 week MA | $141.8 | 0.1% above |
| 50 week MA | $131.0 | 8.4% above |
| 100 week MA | $125.7 | 13% above |
| 200 week MA | $114.2 | 24% above |
CHCO is in an uptrend: it's above all five of its weekly moving averages, and 24% above its 200-week average.
CHCO Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $82.3 | $69.5 | -16% |
| 2021 | $69.5 | $81.2 | +17% |
| 2022 | $81.2 | $93.5 | +15% |
| 2023 | $93.5 | $110.3 | +18% |
| 2024 | $110.3 | $121.1 | +9.8% |
| 2025 | $121.1 | $123.8 | +2.3% |
| 2026 YTD | $123.8 | $142.0 | +15% |
CHCO has finished higher in five of the last six years. It's up 15% so far in 2026.