Stocktoria
CITY HOLDING CO CHCO
CITY HOLDING CO (CHCO) earns a Piotroski F-score of 6/9 (mixed financial health). It pays a dividend yielding 2.50% (safety: safe). FY2025 revenue was $74.3M at a 175.6% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CHCO | CITY HOLDING CO | 6/9 | — | 14.5 | +3.2% |
| NBHC | National Bank Holdings Corp | 6/9 | — | 18.5 | +2.1% |
| CAC | CAMDEN NATIONAL CORP | 3/9 | — | 14.1 | +17% |
| WAFD | WAFD INC | 6/9 | — | 12.1 | +7.8% |
| SHBI | SHORE BANCSHARES INC | 4/9 | — | 13.1 | -0.3% |
| CARE | Carter Bankshares, Inc. | 6/9 | — | 23.8 | +4.6% |
| DCBG | Dime Commercial Bancshares, Inc. /NY/ | 5/9 | — | — | +19% |
All Finance, Insurance & Real Estate companies →
About CITY HOLDING CO
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. It offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. The company 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, it 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, the company 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.
FAQ
Is CHCO financially healthy?
CITY HOLDING CO's Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak).
Does CHCO pay a dividend, and is it safe?
Yes. CITY HOLDING CO pays a dividend yielding about 2.50% with a 36.2% payout ratio, rated “safe” for safety.
How profitable is CHCO?
In FY2025, CITY HOLDING CO had a net margin of 175.6% and a return on equity of 16.1%.
Is CHCO overvalued or undervalued?
CITY HOLDING CO trades at about 16.5× trailing earnings — above its 10-year norm (10-year range 12.4×–19.8×, median 14.2×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for CHCO?
The average Wall-Street price target for CITY HOLDING CO is $131.40, about 10.7% below the recent price, from 5 analysts.
Is CHCO a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on CITY HOLDING CO: a Piotroski F-score of 6/9, a P/E of about 14.5×, a dividend yield of 2.50%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.