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Upturn AI SWOT - About
City Holding Company (CHCO)
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Upturn Advisory Summary
07/03/2025: CHCO (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
5 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $121.8
1 Year Target Price $121.8
| 0 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 11.13% | Avg. Invested days 45 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/03/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.87B USD | Price to earnings Ratio 16.15 | 1Y Target Price 121.8 |
Price to earnings Ratio 16.15 | 1Y Target Price 121.8 | ||
Volume (30-day avg) 5 | Beta 0.54 | 52 Weeks Range 101.49 - 135.40 | Updated Date 07/4/2025 |
52 Weeks Range 101.49 - 135.40 | Updated Date 07/4/2025 | ||
Dividends yield (FY) 2.58% | Basic EPS (TTM) 7.98 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 40.14% | Operating Margin (TTM) 50.47% |
Management Effectiveness
Return on Assets (TTM) 1.82% | Return on Equity (TTM) 16.39% |
Valuation
Trailing PE 16.15 | Forward PE 16.42 | Enterprise Value 1881613952 | Price to Sales(TTM) 6.35 |
Enterprise Value 1881613952 | Price to Sales(TTM) 6.35 | ||
Enterprise Value to Revenue 6.94 | Enterprise Value to EBITDA - | Shares Outstanding 14482500 | Shares Floating 14199812 |
Shares Outstanding 14482500 | Shares Floating 14199812 | ||
Percent Insiders 4.16 | Percent Institutions 74.86 |
Upturn AI SWOT
City Holding Company
Company Overview
History and Background
City Holding Company was founded in 1982 and is headquartered in Charleston, West Virginia. It operates primarily through its subsidiary, City National Bank of West Virginia. It has grown through organic expansion and strategic acquisitions, becoming a leading community bank in the region.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending, treasury management, and deposit services to businesses of all sizes.
- Retail Banking: Provides deposit accounts, consumer loans, mortgage loans, and other financial services to individuals and families.
- Wealth Management: Offers investment management, trust services, and financial planning to high-net-worth individuals and institutions.
Leadership and Structure
The leadership team consists of experienced banking professionals. The organizational structure is typical of a regional bank, with a focus on community banking relationships.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate. The market share for commercial loans in their operating region is estimated to be around 8-10%. Competitors include Truist Financial (TFC), United Bankshares (UBSI), and WesBanco (WSBC).
- Mortgage Loans: Offers mortgage loans to individuals for home purchases and refinancing. The market share for mortgage loans in their operating region is estimated to be around 5-7%. Competitors include Rocket Companies (RKT), Bank of America (BAC), and Wells Fargo (WFC).
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. City National Bank's deposit base provides a stable source of funding.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increased regulatory scrutiny, and competition from fintech companies.
Positioning
City Holding Company is a well-established regional bank with a strong presence in West Virginia and surrounding areas. Its competitive advantage lies in its local expertise and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in their operating region is estimated to be several billion dollars. City Holding Company is positioned to capture a significant share of this market through its branch network and digital banking platform.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Established customer relationships
- Experienced management team
- Solid financial performance
Weaknesses
- Limited geographic diversification
- Dependence on local economy
- Smaller scale compared to national banks
- Vulnerable to regional economic downturns
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Strategic acquisitions
- Growth in wealth management services
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- Truist Financial (TFC)
- United Bankshares (UBSI)
- WesBanco (WSBC)
Competitive Landscape
City Holding Company faces strong competition from larger regional and national banks. Its advantage lies in its local expertise and customer relationships. Competitors such as TFC and UBSI have a much larger market share.
Major Acquisitions
Genoa Bancorp, Inc.
- Year: 2022
- Acquisition Price (USD millions): 77.6
- Strategic Rationale: Expansion into Ohio market and increased scale of operations. Adds 10 full service branch locations.
Growth Trajectory and Initiatives
Historical Growth: City Holding Company has experienced steady growth in assets, loans, and deposits over the past decade, driven by organic growth and acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion into new markets and increased digital banking adoption.
Recent Initiatives: Recent initiatives include investments in technology, expansion of the branch network, and strategic acquisitions.
Summary
City Holding Company is a financially sound regional bank with a strong presence in West Virginia. Its strengths include experienced management and established customer relationships. However, it faces challenges related to competition, economic conditions, and regulatory changes and its limited geographic diversity makes it dependent on the local economy.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC filings
- Analyst reports
- Market research reports
- Company website
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market share data is based on estimates and may vary. Financial data is based on the most recent available information and is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About City Holding Company
Exchange NASDAQ | Headquaters Charleston, WV, United States | ||
IPO Launch date 1993-02-19 | President, CEO & Director Mr. Charles R. Hageboeck Ph.D. | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 942 | Website https://www.bankatcity.com |
Full time employees 942 | Website https://www.bankatcity.com | ||
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. The company offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. It 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 demand deposit account overdrafts, as well as owner-occupied real estate and construction, land development, and lines of credit. In addition, the company offers 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. Further, it provides treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. The company was founded in 1957 and is headquartered in Charleston, West Virginia.
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