City Holding Co (CHCO) stock
CHCONasdaqNational Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 4, 2026Score 12/3029% above fair value
$142.45+0.46 (+0.32%)
Close on Nov 13, 2026Market cap $2.00BP/E 15.6Yield 2.33%
City statistics
92 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 20, 2027 (estimated, before the open)
- Last ex-dividend date
- Oct 15, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 2.56
- 1.52
- P/OCF Ratio
- 14.23
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 5.55
- 2.95
- EV / FCF
- 13.07
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- -2.52%
- 0.33%
- Float
- 14M
- 17M
- Shares Held by Insiders
- 1.97%
- 6.05%
- Shares Held by Institutions
- 73.6%
- 61.3%
Short sellingIndustry
- Short Interest
- 1M
- –
- Short Interest Change
- 9.08%
- -4.13%
- Short % of Float
- 7.72%
- 3.58%
- Short % of Shares Outstanding
- 7.57%
- 3.18%
- Days to Cover
- 8.68
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $148.99
- –
- 52-Week Low
- $113.21
- –
- 20-Day Moving Average
- $142.58
- –
- 50-Day Moving Average
- $142.08
- –
- 200-Day Moving Average
- $132.54
- –
- Average True Range (14)
- $2.63
- –
- Price Change (1 Week)
- 0.68%
- 0.69%
- Price Change (1 Month)
- 1.07%
- 3.79%
- Price Change (3 Months)
- -2.22%
- -2.72%
- Price Change (6 Months)
- 17.3%
- 12.2%
- Price Change (YTD)
- 19.5%
- 19.9%
- Price Change (1 Year)
- 17.9%
- 25.7%
- Price Change (3 Years)
- 44.5%
- 65.1%
- Price Change (5 Years)
- 73.3%
- 26.9%
- Price Change (10 Years)
- 136.7%
- 66.8%
- Average Volume (10 Days)
- 109,118
- –
- Average Volume (20 Days)
- 118,885
- –
- Average Volume (90 Days)
- 119,880
- –
- Relative Volume
- 0.65
- 0.68
- Relative Strength Index (14)
- 50.4
- 53.1
- Volatility (1 Year)
- 17.0%
- 24.4%
- Beta (5 Years)
- 0.45
- 0.63
MarginsIndustry
- Pretax Margin
- 50.4%
- 37.0%
- FCF Margin
- 42.5%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 16.6%
- 10.7%
- Return on Assets (ROA)
- 1.95%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 5.76%
- 11.7%
- Net Income Growth (YoY)
- 2.85%
- 22.6%
- EPS Growth (YoY)
- 5.29%
- 21.6%
- FCF Growth (YoY)
- 7.66%
- 27.2%
- Revenue Growth (3Y CAGR)
- 2.94%
- 5.82%
- Revenue Growth (5Y CAGR)
- 3.95%
- 6.17%
- EPS Growth (3Y CAGR)
- 9.51%
- 1.31%
- EPS Growth (5Y CAGR)
- 9.98%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.05
- 0.04
- Revenue Per Employee
- $346.88K
- $358.92K
- Profits Per Employee
- $140.48K
- $110.51K
- Employee Count
- 934
- 492
- WACC
- 7.60%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $163.35M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $201.38M
- $165.09M
- Net Cash Per Share
- $14.34
- $8.07
- Equity (Book Value)
- $781.61M
- $570.13M
- Book Value Per Share
- $55.65
- $28.12
- Tangible Book Value
- $781.61M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$2.99M
- -$4.24M
- FCF Per Share
- $9.80
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 6.56%
- 8.29%
- FCF Yield
- 6.88%
- 9.18%
- Dividend Yield
- 2.33%
- 2.44%
- Buyback Yield
- 2.75%
- 1.82%
- Shareholder Yield
- 5.08%
- 3.26%
- Dividend Per Share
- $3.32
- $0.92
- Dividend Growth (YoY)
- 10.3%
- 4.26%
- Years of Dividend Growth
- 15
- 2
- Payout Ratio
- 38.0%
- 28.5%
- FCF Payout Ratio
- 36.2%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $32.14M
- $16.14M
- Effective Tax Rate
- 19.7%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $107.10
- $45.07
- Graham Upside
- -24.8%
- 18.8%
- Altman Z-Score
- 0.45
- 0.22
- Piotroski F-Score
- 5
- 6
- Lynch Fair Value
- $91.41
- –
- Lynch Upside
- -35.8%
- -0.43%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | CHCO | S&P 500 | Difference | CHCO per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +2.9% | -3.0% | +5.9 pts | ||
| 3 months | -3.0% | -2.8% | −0.3 pts | ||
| Year to date | +22.9% | +11.5% | +11.4 pts | ||
| 1 year | +21.3% | +13.5% | +7.9 pts | ||
| 3 years | +62.8% | +77.7% | −14.9 pts | +17.6% | +21.1% |
| 5 years | +99.6% | +72.6% | +27.0 pts | +14.8% | +11.5% |
| 10 years | +213.3% | +308.2% | −94.9 pts | +12.1% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
1M CHCO shares were sold short on Oct 30, 2026, up 9.1% from the previous report, or 7.72% of the shares available to trade. At recent volumes it would take 8.7 days to buy them back. Over the last 20 sessions, 63.8% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 1,063,114 | +9.1% | 122,482 | 8.7 |
| Oct 15, 2026 | 974,592 | -8.2% | 105,525 | 9.2 |
| Sep 30, 2026 | 1,061,307 | +7.9% | 153,638 | 6.9 |
| Sep 15, 2026 | 983,730 | +4.0% | 98,267 | 10.0 |
| Aug 31, 2026 | 946,085 | +0.4% | 91,881 | 10.3 |
| Aug 14, 2026 | 941,938 | +1.8% | 93,909 | 10.0 |
| Jul 31, 2026 | 925,202 | -4.5% | 160,610 | 5.8 |
| Jul 15, 2026 | 969,285 | -0.8% | 130,580 | 7.4 |
| Jun 30, 2026 | 976,928 | +6.0% | 205,496 | 4.8 |
| Jun 15, 2026 | 921,672 | +4.1% | 96,651 | 9.5 |
| May 29, 2026 | 885,134 | +0.9% | 81,812 | 10.8 |
| May 15, 2026 | 877,142 | -1.2% | 87,901 | 10.0 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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