City Holding stock | Price, analyst rating, price target & growth

City Holding

NasdaqGS:CHCO

$ 119,45

$-1,91 (-1,57%)

119,45 $

$-1,91 (-1,57%)

End-of-day quote: 03/27/2026

City Holding Stock Value

Analysts currently give NasdaqGS:CHCO a rating of Hold.

Hold

City Holding Company Info

EPS Growth 5Y

9,98%

Market Cap

$1,71 B

Long-Term Debt

$0,15 B

Short Interest

6,90%

Quarterly earnings

04/24/2026

Dividend

$3,43

Dividend Yield

2,87%

Founded

1957

Industry

Financials

Country

United States

ISIN Number

US1778351056

Website

http://www.bankatcity.com

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

$132,00

10.51%

Last Update: 03/28/2026

Analysts: 5

Highest Price Target $135,00

Average Price Target $132,00

Lowest Price Target $125,00

In the last five quarters, City Holding’s Price Target has risen from $93,91 to $101,67 - a 8,26% increase. Five analysts predict that City Holding’s share price will increase in the coming year, reaching $132,00. This would represent an increase of 10,51%.

Top growth stocks in the financials sector (5Y.)

What does City Holding do?

City Holding Company (City Holding) operates as a financial holding company for City National Bank of West Virginia (City National) that provides banking, trust and investment management and other financial solutions through its network of bank branches and full-time equivalent associates located in West Virginia, Kentucky, Virginia and southeastern Ohio. The company’s business activities are limited to one reportable business segment, which is community banking. The principal products produced...

The principal products produced and services rendered by City National include:

Commercial Banking - City National offers a full range of commercial banking services to corporations and other business customers. Loans are provided for a variety of business purposes, including financing for commercial and industrial projects, income producing commercial real estate, owner-occupied real estate and construction and land development. City National also provides deposit services for commercial customers, including treasury management, lockbox and other cash management services. City National provides merchant credit card services through an agreement with a third-party vendor.

Consumer Banking - City National provides banking services to consumers, including checking, savings and money market accounts, as well as certificates of deposit and individual retirement accounts. In addition, City National provides consumers with installment and real estate loans and lines of credit. City National also offers credit cards through an agreement with a third-party vendor.

Mortgage Banking - City National provides 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.

Wealth Management and Trust Services - City National offers specialized services and expertise in the areas of wealth management, trust, investment and custodial services for commercial and individual customers. These services include the administration of personal trusts and estates, as well as the management of investment accounts for individuals, employee benefit plans and charitable foundations. City National also provides corporate trust and institutional custody, financial and estate planning and retirement plan services.

City National’s customer base is diverse, and no single depositor could have a material adverse effect on liquidity, capital, or other elements of financial performance. Although no portion of City National’s loan portfolio is concentrated within a single industry or group of related industries in excess of City National's internally designated limit, residential mortgage loans have historically comprised a significant portion of its loan portfolio. As of December 31, 2024, approximately 47% of the company’s loan portfolio was categorized as residential mortgage and home equity loans. As of December 31, 2024, approximately 51% of the company’s loan portfolio was categorized as commercial and industrial and commercial real estate.

City National’s loan portfolio consists of commercial and industrial, commercial real estate, residential real estate, home equity, consumer loans and demand deposit account (DDA) overdrafts.

City National's commercial and industrial loan portfolio consists of loans to corporate and other legal entity borrowers, primarily small to mid-size industrial and commercial companies. Commercial and industrial loans typically involve a higher level of risk than other loan types, including industry specific risks, such as the pertinent economy, new technology, labor rates and cyclicality, as well as customer specific factors, such as cash flow, financial structure, operating controls and asset quality. Collateral securing these loans includes equipment, machinery, inventory, receivables and vehicles.

Commercial real estate loans consist of commercial mortgages, which generally are secured by non residential and multi-family residential properties, including hotel/motel and apartment lending. Commercial real estate loans are provided to many of the same customers and carry similar industry and customer specific risks as the commercial and industrial loans, but have different collateral risks.

Commercial 1-4 Family loans consist of residential single-family, duplex, triplex, and fourplex rental properties.

The Hotel portfolio consists of all lodging establishments.

Multi-family consists of 5 or more family residential apartment lending.

Non-residential commercial real estate includes properties, such as retail, office, warehouse, storage, healthcare, entertainment, religious, and other nonresidential commercial properties. The non-residential product type is further segmented into owner- and non-owner occupied properties.

City National diversifies risk within the commercial and industrial and commercial real estate portfolios by closely monitoring industry concentrations (against internally established risk-based capital thresholds) and portfolios to ensure that it does not exceed established lending guidelines.

Residential real estate loans represent loans to consumers that are secured by a first priority lien on residential real property. Residential real estate loans include loans for the purchase or refinance of consumers' residences and first-priority home equity loans that allow consumers to borrow against the equity in their home. These loans primarily consist of single family five- and seven-year adjustable rate mortgages with terms that amortize up to 30 years. City National also offers fixed-rate residential real estate loans. Residential purchase real estate loans are generally underwritten to comply with Fannie Mae and Freddie Mac guidelines, while first priority lien home equity loans are underwritten with typically less documentation, lower loan-to-value ratios and shorter maturities. Additionally, the company periodically purchases residential mortgage loans.

City National's home equity loans represent loans to consumers that are secured by a second (or junior) priority lien on residential real property. Home equity loans allow consumers to borrow against the equity in their home without paying off an existing first priority lien. These loans include home equity lines of credit (HELOC) and amortized home equity loans that require monthly installment payments. Second priority lien home equity loans are underwritten with less documentation than first priority lien residential real estate loans but typically have similar loan-to-value ratios and other terms as first priority lien residential real estate loans. The amount of credit extended under these loans is directly related to the value of the real estate securing the loan at the time the loan is made.

All mortgage loans, whether fixed rate or adjustable rate, are originated in accordance with acceptable industry standards and comply with regulatory requirements. Fixed rate mortgage loans are processed and underwritten in accordance with Fannie Mae and Freddie Mac guidelines, while adjustable rate mortgage loans are underwritten in accordance with City National's internal loan policy.

Consumer loans may be secured by automobiles, boats, recreational vehicles, certificates of deposit and other personal property, or they may be unsecured. The company manages the risk associated with consumer loans by monitoring factors, such as portfolio size and growth, internal lending policies, and pertinent economic conditions. City National's underwriting standards for consumer loans are continually evaluated and modified based upon these factors.

DDA overdraft balances reflect demand deposit accounts that have been overdrawn by deposit customers and have been reclassified as loans.

Market Area

City National operates a network of bank branches primarily along the I-64 corridor from Lexington, Kentucky through Lexington, Virginia and along the I-81 corridor through the Shenandoah Valley from Lexington, Virginia to Martinsburg, West Virginia. City National's branch network includes branches in West Virginia, branches in Kentucky, branches in Virginia and branches in southeastern Ohio. City National provides credit, deposit and investment advisory products and services to a broad geographical area that includes many rural and small community markets in addition to larger cities including Charleston (WV), Huntington (WV), Martinsburg (WV), Ashland (KY), Lexington (KY), Winchester (VA) and Staunton (VA). In addition to its branch network, City National's delivery channels include automated-teller-machines (ATMs), interactive-teller machines (ITMs), mobile banking, debit cards, interactive voice response systems, and Internet technology.

The company’s principal markets are located in West Virginia and contiguous markets in the surrounding states of Kentucky, Virginia and southeastern Ohio. The majority of the company’s bank branches are located in the areas of Charleston (WV), Huntington (WV), Beckley (WV), Lewisburg (WV), Martinsburg (WV), Lexington (KY), and along the I-81 corridor in Virginia where there is a significant presence of other financial service providers.

City National also provides commercial products and services to customers that are outside of its branches' geographical footprint. These loans are diversified across a broad base of industry types, including multi-family housing properties, properties leased to government agencies, nursing homes, grocery and retail stores, and other commercial and industrial loans.

Investments

The majority of the company’s investment securities continue to be mortgage-backed securities. These securities are collateralized by both residential and commercial properties. The mortgage-backed securities in which the company has invested are predominantly issued by government-sponsored agencies such as Fannie Mae, Freddie Mac and Ginnie Mae.

As of December 31, 2024, the company's investment portfolio included obligations of states and political subdivisions; mortgage-backed securities, such as the U.S. government agencies and private label; trust preferred securities; and corporate securities.

Deposits

As of December 31, 2024, the company's deposits were noninterest-bearing deposits; and interest-bearing deposits, such as demand deposits, savings deposits, and time deposits.

Regulation and Supervision

As a financial holding company, the company is regulated under the Bank Holding Company Act of 1956, as amended (the BHCA), and is subject to inspection, examination and supervision by the Board of Governors of the Federal Reserve Board. The BHCA provides generally for umbrella regulation of bank holding companies such as the company by the Federal Reserve Board, and for functional regulation of banking activities by bank regulators, securities activities by securities regulators, and insurance activities by insurance regulators. The company is also under the jurisdiction of the Securities and Exchange Commission (SEC) and is subject to the disclosure and regulatory requirements of the Securities Act of 1933, as amended, and the Securities Exchange Act of 1934, as amended, as administered by the SEC. The company is listed on the Nasdaq Global Select Market (NASDAQ) under the trading symbol CHCO and is subject to the rules of NASDAQ for listed companies.

City National is organized as a national banking association under the National Bank Act of 1863, as amended (the National Bank Act). It is subject to regulation and examination by the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corporation (FDIC). The OCC's supervision and regulation of banks is primarily intended to protect the interests of depositors of the banks and FDIC's insurance fund.

The company and its subsidiary bank and other subsidiaries are affiliates within the meaning of the Federal Reserve Act. The company is also subject to the Gramm-Leach Bliley Act of 1999, which governs the distribution and protection of information about its customers, the Equal Credit Opportunity Act, which ensures fair and non discriminatory lending practices, the Truth in Lending Act and Truth in Savings Act, which makes it easier for customers to compare products and services offered by financial institutions, the Home Mortgage Disclosure Act, which imposes additional disclosure requirements on the company related to information about its mortgage lending, and other federal and state laws and regulations. Further, City National's authority to extend credit to the Company's directors, executive officers and principal shareholders, including their immediate family members, corporations and other entities that they control, is subject to the restrictions and additional requirements of the Federal Reserve Act and Regulation O promulgated thereafter. City National received a satisfactory rating on its most recent CRA examination in 2022.

The Dodd-Frank Wall Street Reform and Consumer Protection Act (the Dodd-Frank Act) was enacted in July 2010 and implemented far-reaching changes across the financial regulatory landscape, including provisions that impact the company's operations and regulation of the Company in the following ways, among others:

Centralize responsibility for consumer financial protection by creating a new agency, the Consumer Financial Protection Bureau, which has rule making authority for a wide range of consumer protection laws that apply to all banks and has broad powers to supervise and enforce consumer protection laws;

Require the OCC to seek to make its capital requirements for national banks countercyclical so that capital requirements increase in times of economic expansion and decrease in times of economic contraction;

Require financial holding companies, such as the company, to be well-capitalized and well-managed;

Provide for an increase in the minimum reserve ratio for the FDIC deposit insurance fund from 1.15% to 1.35% and changes in the basis for determining FDIC premiums from deposits to assets;

Repeal the federal prohibitions on the payment of interest on demand deposits;

Amend the Electronic Fund Transfer Act ("EFTA");

Enhance the requirements for certain transactions with affiliates under the Federal Reserve Act;

Strengthen the existing limits on a depository institution’s credit exposure to one borrower;

Strengthen loan restrictions to insiders; and

Increase the authority of the Federal Reserve Board to examine the Company and its non-bank subsidiaries.

Certain provisions affecting the company include:

Simplifying regulatory capital requirements by providing that banks with less than $10 billion in total consolidated assets that meet a leverage ratio of tangible equity to average consolidated assets between eight and nine percent will be deemed to be in compliance with risk-based capital and leverage requirements.

Changing how federal financial institution regulators classify certain municipal securities assets under the liquidity coverage ratio rule;

Exempting certain reciprocal deposits from treatment as brokered deposits under the FDIC's brokered deposits rule;

Exempting banks with less than $10 billion in total consolidated assets from certain provisions under the Volcker Rule; and

Authorizing new banking procedures to better facilitate online transactions.

Substantially all of the deposits of City National are insured up to applicable limits by the Deposit Insurance Fund (DIF) of the FDIC and are subject to deposit insurance assessments to maintain the DIF.

History

City Holding Company, a West Virginia corporation, was founded in 1957. The company was incorporated in 1981.

City Holding Questions and Answers

Which sectors generate sales and which are the top 3 markets?

**Banking and Financial Services:** 100% **Top 3 Markets:** 1. **West Virginia:** approximately 40% 2. **Kentucky:** approximately 30% 3. **Virginia:** approximately 20% City Holding Company is primarily engaged in the field of banking and financial services. Revenues mainly come from tra...

At which locations are the company’s products manufactured?

**City Holding Company (NasdaqGS:CHCO)** is a financial services company and not a manufacturing company. City Holding Company offers banking services, including deposit products, loans, and other financial services. As a bank, it does not produce physical products but provides services primarily i...

What strategy does City Holding pursue for future growth?

**Revenue Growth (estimated):** 5-7% annually (2026 Forecast) **Profit Growth (estimated):** 4-6% annually (2026 Forecast) City Holding Company pursues a strategy focused on organic growth and strategic acquisitions. The company aims to strengthen its market presence in existing regions and explo...

Which raw materials are imported and from which countries?

**Current Data Situation:** No specific raw material or material imports available. City Holding Company is a financial services company and not a production or trading company. Therefore, it usually does not import raw materials or materials. Financial institutions like City Holding Company focus...

How strong is the company’s competitive advantage?

**Return on Equity:** 13.5% (2025) **Cost Efficiency:** Cost-Income Ratio of 55% (2025) **Market Share:** Regionally leading in West Virginia and adjacent markets City Holding Company has a solid competitive advantage, reflected in a strong return on equity of 13.5%. This metric indicates tha...

What is the share of institutional investors and insider buying/selling?

**Institutional Investor Share:** 65% (estimated for 2026 based on trends) **Insider Buys/Sells:** No significant transactions in the last quarter (2026) The institutional investor share at City Holding Company typically ranges from 60-70%, indicating a strong trust from institutional investors in...

What percentage market share does City Holding have?

**Market share of City Holding Company:** Estimate: <1% (2026) **Main competitors and their market shares:** 1. JPMorgan Chase & Co. - approx. 10% (2026) 2. Bank of America - approx. 9% (2026) 3. Wells Fargo - approx. 8% (2026) 4. Citigroup - approx. 7% (2026) 5. U.S. Bancorp - approx. 5% (2...

Is City Holding stock currently a good investment?

**Revenue Growth:** 8.2% (2025) **Profit Growth:** 7.5% (2025) **Return on Equity:** 12.4% (2025) **Dividend Yield:** 3.1% (2025) City Holding Company achieved a solid revenue growth of 8.2% in 2025, indicating stable business development and effective growth strategies. The profit growth of 7.5% d...

Does City Holding pay a dividend – and how reliable is the payout?

**Dividend Yield:** 3.2% (estimated for 2026) **Dividend History:** Continuous payout for over 10 years City Holding Company is known for its reliable dividend policy. The company has been consistently paying dividends in recent years, indicating a stable financial foundation and a solid business...

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City Holding Stock Value

City Holding Company Info

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does City Holding do?

City Holding Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

New support ticket

Explore

City Holding Stock Value

City Holding Company Info

Analyst Price Target The Analyst Price Target shows the analysts’ low, high, and average target at a glance.

Top growth stocks in the financials sector (5Y.)

What does City Holding do?

City Holding Questions and Answers

Offer & Services

Service & Collaboration

Company & Legal

Analyst Price Target
The Analyst Price Target shows the analysts’ low, high, and average target at a glance.