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Upturn AI SWOT - About
CHCO 
City Holding Company (CHCO)
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Upturn Advisory Summary
09/17/2025: 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 -0.5% | Avg. Invested days 44 | 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 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.79B USD | Price to earnings Ratio 14.93 | 1Y Target Price 132.6 |
Price to earnings Ratio 14.93 | 1Y Target Price 132.6 | ||
Volume (30-day avg) 5 | Beta 0.58 | 52 Weeks Range 100.86 - 134.55 | Updated Date 09/17/2025 |
52 Weeks Range 100.86 - 134.55 | Updated Date 09/17/2025 | ||
Dividends yield (FY) 2.52% | Basic EPS (TTM) 8.29 |
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 14.93 | Forward PE 16.42 | Enterprise Value 2109404032 | Price to Sales(TTM) 5.96 |
Enterprise Value 2109404032 | Price to Sales(TTM) 5.96 | ||
Enterprise Value to Revenue 6.66 | 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 Charleston, West Virginia. Originally known as Kanawha Banking & Trust Company, it has grown through organic expansion and acquisitions to become a leading regional bank holding company.
Core Business Areas
- Community Banking: Offers a full range of banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
- Wealth Management: Provides investment advisory services, trust services, and financial planning to individuals and families.
- Mortgage Banking: Originates and services residential mortgage loans.
Leadership and Structure
The leadership team consists of experienced banking professionals. The organizational structure is hierarchical, with regional presidents reporting to the CEO. The current CEO is Charles R. Hageboeck.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share is regional, concentrated in West Virginia, Kentucky, Ohio and Virginia. Competitors include WesBanco, Huntington Bancshares, and Fifth Third Bancorp. Revenue is a substantial portion of total interest income.
- Residential Mortgages: Loans to individuals for the purchase of homes. Market share is regional, aligned with its branch footprint. Competitors are similar to commercial lending plus national mortgage lenders. The volume of new mortgages fluctuate based on interest rates and overall housing market.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Critical for funding the bank's lending activities. Competitors include local and national banks.
Market Dynamics
Industry Overview
The banking industry is highly competitive and subject to regulatory changes and economic cycles. Consolidation is ongoing, and technology is playing an increasing role.
Positioning
City Holding Company is a regional bank with a strong presence in its core markets. Its competitive advantages include its local knowledge, customer relationships, and conservative lending practices.
Total Addressable Market (TAM)
The TAM for regional banking services in City Holding Company's footprint is estimated to be in the billions of dollars annually. City Holding Company captures a portion of this TAM based on its branch network, product offerings, and market share.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Conservative credit culture
- Experienced management team
- Strong customer relationships
- Consistent profitability
Weaknesses
- Limited geographic diversification
- Dependence on net interest income
- Smaller size compared to national banks
- Relatively higher operating efficiency ratio
Opportunities
- Acquisitions of smaller banks
- Expansion into new markets
- Increased adoption of digital banking
- Growth in wealth management business
Threats
- Rising interest rates
- Increased competition from online lenders
- Economic downturn
- Regulatory changes
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- HBAN
- FITB
- WBS
Competitive Landscape
City Holding Company faces competition from larger national banks and other regional banks. Its advantages include its local knowledge and customer relationships.
Major Acquisitions
Poage Bankshares, Inc.
- Year: 2020
- Acquisition Price (USD millions): 86.5
- Strategic Rationale: Expanded market presence in northeastern Kentucky.
Growth Trajectory and Initiatives
Historical Growth: City Holding Company has grown steadily over the past decade through organic expansion and strategic acquisitions.
Future Projections: Analysts expect City Holding Company to continue to grow at a moderate pace, driven by its strong regional presence and conservative lending practices.
Recent Initiatives: Recent strategic initiatives include investments in digital banking and wealth management.
Summary
City Holding Company is a stable and profitable regional bank with a strong presence in its core markets. Its conservative lending practices and experienced management team have contributed to its success. The company faces challenges from rising interest rates and increased competition, but its strong customer relationships and investments in digital banking position it for continued growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (10-K, 10-Q)
- Analyst reports
- Company website
- SEC.gov
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Investment decisions should be based on your own research 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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