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Upturn AI SWOT - About
CHCO 
City Holding Company (CHCO)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/31/2025: CHCO (1-star) is currently NOT-A-BUY. Pass it for now.
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 $129.5
1 Year Target Price $129.5
| 0 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -1.26% | Avg. Invested days 45 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/31/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.71B USD | Price to earnings Ratio 13.58 | 1Y Target Price 129.5 |
Price to earnings Ratio 13.58 | 1Y Target Price 129.5 | ||
Volume (30-day avg) 5 | Beta 0.53 | 52 Weeks Range 100.15 - 133.60 | Updated Date 11/1/2025 |
52 Weeks Range 100.15 - 133.60 | Updated Date 11/1/2025 | ||
Dividends yield (FY) 2.73% | Basic EPS (TTM) 8.68 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-23 | When Before Market | Estimate 2.17 | Actual 2.41 |
Profitability
Profit Margin 41.44% | Operating Margin (TTM) 54.6% |
Management Effectiveness
Return on Assets (TTM) 1.95% | Return on Equity (TTM) 16.57% |
Valuation
Trailing PE 13.58 | Forward PE 16.42 | Enterprise Value 2002088576 | Price to Sales(TTM) 5.55 |
Enterprise Value 2002088576 | Price to Sales(TTM) 5.55 | ||
Enterprise Value to Revenue 6.56 | Enterprise Value to EBITDA - | Shares Outstanding 14494831 | Shares Floating 14214957 |
Shares Outstanding 14494831 | Shares Floating 14214957 | ||
Percent Insiders 4.14 | Percent Institutions 73.92 |
Upturn AI SWOT
City Holding Company
Company Overview
History and Background
City Holding Company, founded in 1982, is a financial holding company headquartered in Charleston, West Virginia. It grew through acquisitions and organic expansion to become a leading community bank in West Virginia, Kentucky, Ohio, and Virginia.
Core Business Areas
- Commercial Banking: Offers a range of commercial lending, deposit, and cash management services to businesses.
- Retail Banking: Provides personal banking services, including checking and savings accounts, mortgages, and consumer loans.
- Wealth Management: Offers trust, investment management, and financial planning services.
Leadership and Structure
The company is led by a board of directors and executive management team. The organizational structure comprises various departments responsible for different aspects of banking operations and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes like expansion, equipment, and working capital. Market share data is proprietary, making an exact figure difficult to pinpoint, but City Holding Co. competes with larger regional and national banks for these loans. Competitors include PNC, Truist, and Fifth Third.
- Residential Mortgages: Mortgage loans for home purchases and refinancing. Market share is regional and varies. Intense competition in the mortgage market includes national players like Rocket Mortgage and local credit unions.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. These are commoditized products where City competes with a vast array of national and local banks and credit unions for customer deposits.
Market Dynamics
Industry Overview
The banking industry is highly regulated and competitive. Factors such as interest rates, economic growth, and regulatory changes significantly impact banks' profitability and growth.
Positioning
City Holding Company is a regional bank focused on community banking. It differentiates itself through personalized service and local market knowledge. Competitive advantage lies in customer service and community ties.
Total Addressable Market (TAM)
The TAM for banking services in City's footprint is billions of dollars annually. City Holding Company targets community and relationship banking, which is a portion of this TAM. Their positioning lets them focus on specific types of customers.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Solid financial performance
- Experienced management team
- Focus on customer service
- Strong community ties
Weaknesses
- Limited geographic diversification
- Smaller scale compared to national banks
- Reliance on traditional banking model
- Slower technology adoption than competitors
Opportunities
- Expanding into new markets
- Acquiring smaller banks
- Investing in digital banking technologies
- Increasing wealth management services
Threats
- Increased competition from larger banks
- Economic downturns
- Rising interest rates
- Cybersecurity risks
- Regulatory changes
Competitors and Market Share
Key Competitors
- PNC (PNC)
- Truist (TFC)
- Fifth Third (FITB)
Competitive Landscape
City Holding Company faces competition from larger regional and national banks. Its advantage lies in its local market knowledge and customer relationships.
Major Acquisitions
Genoa Bancorp, Inc.
- Year: 2021
- Acquisition Price (USD millions): 74.2
- Strategic Rationale: Expanded market presence in Ohio and Kentucky.
Growth Trajectory and Initiatives
Historical Growth: City Holding Company has achieved steady growth through acquisitions and organic expansion.
Future Projections: Analysts project continued growth in revenue and earnings, driven by loan growth and fee income.
Recent Initiatives: The company is focusing on expanding its digital banking capabilities and increasing its presence in high-growth markets.
Summary
City Holding Company is a strong regional bank with a solid financial performance and a focus on customer service. Its local market knowledge and community ties are key strengths. However, it faces challenges from larger competitors and the need to adapt to digital banking trends. Strategic initiatives and future acquisitions will be necessary for growth.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings (SEC)
- Analyst reports
- Company website
- Market research reports
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on individual risk tolerance and due diligence.
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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