Reading CHCO? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track CHCO free→Reading CHCO? Track it free: the weekly brief, plus an alert if the thesis breaks. No credit card.
Track CHCO free→NASDAQFinancialsBanks - RegionalSnapshot 2026-06-12
Recent financial performance is holding in the top half of its industry — the reason to own it looks intact.
Recent financial performance is neutral, and earnings quality is also neutral. Management's recent track record has been unsteady, with frequent disruptive corporate changes. The sector backdrop is a headwind, and risk is moderate, while CHCO's earnings yield is about typical for the sector. Peer multiples imply a price about 16% below where it trades (it looks expensive on this basis); the read is fair, priced roughly in line with peer multiples. If CHCO cuts guidance on the next call, that could have a meaningful negative impact. This read is provisional.
Daily closes. Earnings/event dots are placed inline.
A consensus fair price across 7 valuation methods, at three horizons. Current price $130.76. Estimates are diagnostics, not price targets. Short-horizon estimates are close to coin-flips, so confidence is a method-agreement read, not a prediction.
No-growth: today's peer multiple on trailing earnings. The headline read.
Embeds projected growth. Leans optimistic by design. Upside context.
We take the 12-month fair value above and grade our own number — how the market prices this name versus what we'd justify, and where the two diverge.
At $131 CHCO trades at 14× p/e, in line with its 12× p/e peer median. Our $109 fair value reflects that, high confidence. Not investment advice.
One valuation read at a 12-month horizon, plus how price compares to peers and the company's own history.
The market is pricing in roughly 20% of near-term growth above a flat-multiple fair value; not enough history to forecast a comparison. This describes what's priced in, not a forecast of the move.
Only weak execution quality, a turbulent sector regime (Heating) — not the full expensive x weak x turbulent stack.
For similar setups historically (n=20,154): about 33% saw a 20%+ drawdown, and roughly 76% of those did not recover within the year. These are historical base rates for the cohort, not a forecast of this stock.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 2 of the last 3 quarter-over-quarter moves. Historically, Financials names rated neutral grew net income 52% of the time over the next year (vs 61% for the rest of the cohort, n=4936).
Over the trailing year it converted 1.03x of net income into operating cash flow. Historically, Financials names rated neutral grew net income 58% of the time over the next year (vs 55% for the rest of the cohort, n=4725).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates.
The next print and the backdrop around it (sector regime and the AI cycle). Context for the path, not a forecast of returns.
EPS estimate $2.23 → $2.22 (-0.2% / 30d). 1 raised, 3 cut, 5 covering analysts.
0 upgrades, 0 downgrades / 30d. 0% of analysts rate Buy.
0 positive, 0 negative / 30d.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
A guidance track record builds as the company issues and delivers on guidance.
What a normal day, a bad day, and the worst of the last year would mean for a $10,000 position.
On a typical day, $10k can swing ±$71.
How much price usually moves either way.
On a bad day, this stock has moved -$179.
A rough but not unusual down day (about the 95th percentile).
In the worst 12 months, $10k could have lost $1,175.
Deepest peak-to-trough drop in the last year.
Past results, not a forecast. Not investment advice.
The most important moves since the prior daily snapshot.
No material changes since the prior snapshot.
as of 2026-06-12
Specific, dated things to watch for, each with what would confirm it and what would prove it wrong.
Why it matters: Revenue growth above 13% would confirm the sector's stable growth phase. It shows City Holding is keeping up with the financial sector's performance.
Confirms:Q1 earnings report shows revenue growth above 13%.
Disproves:Q1 earnings report shows revenue growth below 13%.
Recent news graded against this company's own objectives — whether it reinforces or challenges the thesis, and how confirmed it is.
No graded news catalysts for CHCO yet.
Conditional scenarios: if X happens, the view would shift in this direction. These are not predictions.
Recent SEC 8-K filings ranked by likely impact, confidence, and recency.
Senior Executive Vice President and Chief Financial Officer — David L. Bumgarner: Mr. Bumgarner was promoted to a new title with no change in base salary or benefits.
Whether the overall read has been drifting up or down lately, and how it's changed since last week.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Long-thesis check; widest uncertainty.
Looks more expensive than peers.
Around its own typical valuation.
Trailing four: 2025-Q1, 2025-Q2, 2025-Q3, 2026-Q1
A side-by-side read on sector standing, valuation, and risk versus Regional Banks.
| Stock | Sector standing | Valuation | Risk |
|---|---|---|---|
CHCO City Holding Company | Typical Show detailsSector percentile: 47 of 100 | full | moderate |
HDB HDFC BANK LTD | — | — | moderate |
IBN ICICI BANK LTD | — | — | moderate |
ITUB ITAU UNIBANCO HOLDING SA | — | — | moderate |
FITB Fifth Third Bancorp | Below typical Show detailsSector percentile: 2 of 100 | expensive | moderate |
4 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated volatile grew net income 54% of the time over the next year (vs 57% for the rest of the cohort, n=3774).
Not investment advice. As of 2026-06-12.
via XLF
Tailwind = sector leading the S&P 500; headwind = trailing. Both can be constructive. Historically, headwind regimes have averaged stronger forward returns than tailwind.
Context label only: describes the market state (e.g. real bear vs narrative panic, healthy uptrend vs late-stage froth). It is not a per-ticker buy/sell signal and does not predict factor performance.
Not investment advice. As of 2026-06-12.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
City Holding Company aims to maintain strong capital levels to support its operations and shareholder value.
City Holding Company aims to drive loan growth while maintaining stable credit quality.
Why it matters: Earnings results will show how well the company is doing. This is key for investors.
Confirms one read:Earnings per share (EPS) exceeds $1.00, indicating strong performance.
Confirms the other:EPS falls below $0.80, suggesting weaker results.
Why it matters: The dividend shows how well the company is doing. It also shows care for shareholders.
Confirms:The company paid the dividend as planned. This shows it is financially stable.
Disproves:The company cut or stopped the dividend. This means it may be in trouble.
Why it matters: A steady or higher dividend shows good financial health. It shows management believes in future profits.
Confirms:The dividend remains at $0.87 or increases for the July 31 payment.
Disproves:The dividend is cut or suspended for the July 31 payment.
Why it matters: A drop in sector revenue growth could impact City Holding's performance.
Confirms:Sector revenue growth falls below 10% year over year.
Disproves:Sector revenue growth remains above 12% year over year.
Other Events. On May 27, 2026, the Board of Directors of City Holding Company, declared a dividend of $0.87 per common share for shareholders of record as of July 15, 2026 payable on July 31, 2026. Signatures Pursuant to the requirements of the Securities and Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the Undersigned hereunto duly authorized. Dated: May 28, 2026 City Holding Company By: /s/ David L. Bumgarner David L. Bumgarner Senior Execut…
Results of Operations and Financial Condition. On April 23, 2026, City Holding Company ("the Company") issued a news release, attached as Exhibit 99.1, announcing the Company's earnings results for the first quarter ended March 31, 2026. Furnished as Exhibit 99.1 and incorporated herein by reference is the news release issued by the Company. Section 9 - Financial Statements and Exhibits
President of City National Bank of West Virginia — Michael 'Tim' T. Quinlan, Jr.: Internal promotion of Michael 'Tim' T. Quinlan, Jr. to President of City National Bank of West Virginia.
Director — B. Scott Raynes: Annual election of a new director to the Board.