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Upturn AI SWOT - About
CHCO 
City Holding Company (CHCO)
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Upturn Advisory Summary
08/28/2025: 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 $132.6
1 Year Target Price $132.6
| 0 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 3.98% | Avg. Invested days 42 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.88B USD | Price to earnings Ratio 15.63 | 1Y Target Price 132.6 |
Price to earnings Ratio 15.63 | 1Y Target Price 132.6 | ||
Volume (30-day avg) 5 | Beta 0.56 | 52 Weeks Range 100.86 - 134.55 | Updated Date 08/28/2025 |
52 Weeks Range 100.86 - 134.55 | Updated Date 08/28/2025 | ||
Dividends yield (FY) 2.43% | Basic EPS (TTM) 8.3 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 40.61% | Operating Margin (TTM) 52.66% |
Management Effectiveness
Return on Assets (TTM) 1.89% | Return on Equity (TTM) 16.84% |
Valuation
Trailing PE 15.63 | Forward PE 16.42 | Enterprise Value 2195503360 | Price to Sales(TTM) 6.25 |
Enterprise Value 2195503360 | Price to Sales(TTM) 6.25 | ||
Enterprise Value to Revenue 6.96 | Enterprise Value to EBITDA - | Shares Outstanding 14494800 | Shares Floating 14215371 |
Shares Outstanding 14494800 | Shares Floating 14215371 | ||
Percent Insiders 4.19 | Percent Institutions 73.87 |
Upturn AI SWOT
City Holding Company
Company Overview
History and Background
City Holding Company was founded in 1901 in Fairmont, West Virginia. It began as City National Bank and has grown through organic expansion and strategic acquisitions, evolving into a regional financial services provider.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending, treasury management, and deposit services to businesses of all sizes.
- Retail Banking: Provides checking and savings accounts, mortgages, personal loans, and credit cards to individual customers.
- Wealth Management: Offers investment management, financial planning, and trust services.
Leadership and Structure
City Holding Company is led by a board of directors and an executive management team. The organizational structure is typical of a regional bank holding company, with various departments responsible for different business lines and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Commercial loans are a primary revenue driver. While exact market share data is not publicly available, City Holding Company competes with other regional and national banks in West Virginia, Kentucky, Ohio, and Virginia. Competitors include Truist Financial (TFC), PNC Financial Services (PNC), and Fifth Third Bancorp (FITB).
- Residential Mortgages: Mortgage services are offered with revenue not publicly availably, and competes with Rocket Mortgage, United Wholesale Mortgage and local credit unions
- Wealth Management Services: Wealth Management services are a primary revenue driver. While exact market share data is not publicly available, City Holding Company competes with other regional and national banks and independent firms in West Virginia, Kentucky, Ohio, and Virginia. Competitors include Truist Financial (TFC), PNC Financial Services (PNC), and Fifth Third Bancorp (FITB).
Market Dynamics
Industry Overview
The banking industry is currently experiencing increased competition, regulatory scrutiny, and technological disruption. Interest rate fluctuations and economic conditions significantly impact profitability.
Positioning
City Holding Company positions itself as a community-focused bank with a strong local presence and personalized service. Its competitive advantages include strong customer relationships and local market knowledge.
Total Addressable Market (TAM)
The TAM for banking services in City Holding Company's operating region is estimated to be in the billions of dollars. City Holding Company aims to capture a larger share through strategic growth initiatives and market expansion.
Upturn SWOT Analysis
Strengths
- Strong local market presence
- Experienced management team
- Solid customer relationships
- Conservative underwriting standards
- Diverse revenue streams
Weaknesses
- Limited geographic reach compared to larger banks
- Dependence on regional economy
- Lower brand recognition outside of core markets
- Higher operating expenses relative to larger competitors
Opportunities
- Expansion into adjacent markets
- Increased digital banking adoption
- Acquisition of smaller community banks
- Growth in wealth management services
- Development of specialized lending programs
Threats
- Increased competition from larger national banks
- Economic downturn in the region
- Rising interest rates
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- TFC
- PNC
- FITB
Competitive Landscape
City Holding Company's advantages include its strong local presence and customer relationships. Its disadvantages compared to larger competitors include limited geographic reach and lower brand recognition.
Major Acquisitions
Poage Bankshares, Inc.
- Year: 2022
- Acquisition Price (USD millions): 85.3
- Strategic Rationale: Expanded presence in Northern Kentucky.
Growth Trajectory and Initiatives
Historical Growth: City Holding Company's growth has been driven by organic expansion and acquisitions. Growth trends would be analyzed by reviewing historical financial data.
Future Projections: Analyst estimates for future growth would need to be consulted to provide projections for City Holding Company's future growth.
Recent Initiatives: Recent strategic initiatives would need to be sourced from company press releases and investor presentations.
Summary
City Holding Company is a stable regional bank with a strong local presence. Its conservative approach provides consistent performance, but its limited geographic reach could hinder aggressive growth. Focusing on digital banking and strategic acquisitions is important. Economic downturns in its regional market are a potential threat.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q), press releases, investor presentations, third-party financial data providers.
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share data is based on estimates and may vary. Investment decisions should be made after consulting with a qualified financial advisor.
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 934 | Website https://www.bankatcity.com |
Full time employees 934 | 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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