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what it is
City Holding is a community bank that takes deposits, makes loans, and skims fees across West Virginia and nearby states.
how it gets paid
Last year City made $321M in revenue. Commercial & industrial loans was the main engine at $96.3M, or 30% of sales.
why it's growing
Revenue grew 4.8% last year. SEC-sourced figures showed revenue up 192% vs. prior year and EPS up 180%.
what just happened
Was bizarre on paper, with revenue hitting $240M and EPS at $6.75, but the yearly run-rate still looks steady.
At a glance
B++ balance sheet — above average — nothing keeping you up at night
95/100 earnings predictability — you can trust these numbers
14.2x trailing p/e — the market's not buying it — or you found a deal
2.9% dividend yield — cash in your pocket every quarter
$7.89 fy2024 eps est
xvary composite: 68/100 — average
What they do
City Holding is a community bank that takes deposits, makes loans, and skims fees across West Virginia and nearby states.
Its edge is plain: $5.26 billion of deposits (customer cash parked at the bank → cheaper funding for loans → steadier profit) supports $6.67 billion of assets. You are not buying a hot app; you are buying a local bank with 963 employees in West Virginia and nearby states, where relationships keep money sticky.
How they make money
$321M
annual revenue · their business grew +4.8% last year
Commercial & industrial loans
$96.3M
Commercial real estate loans
$80.3M
Consumer & home equity loans
$48.2M
Service charges & bankcard fees
$64.2M
Deposit and other banking income
$32.1M
The products that matter
takes deposits and makes loans
Community Banking
$257M · 80% of revenue
This is the core business. It produces roughly $257M of the company's $321M annual revenue, so small changes in loan demand or funding costs matter a lot.
core engine
service charges and bankcard fees
Fee-Based Services
$64M · 20% of revenue
This $64M stream is only one-fifth of revenue, but that's exactly why it matters. It gives you income that does not rely entirely on the interest-rate cycle.
margin buffer
capital return to shareholders
Dividend
$3.48 annual payout · 2.9% yield
You are getting paid while the bank compounds. A $3.48 annual dividend on a $123.28 stock price is not flashy, but it is part of the total return case.
income piece
Key numbers
$321M
annual revenue
That is the real 2024 top line from SEC filings, which matters because one widely cited data point says $6 million.
$7.89
2024 EPS
Per-share profit rose from $7.61 in 2023 to $7.89 in 2024, so the earnings machine is still moving forward.
14.2x
trailing p/e
You are paying a middle-of-the-road multiple for a bank with a 0.8 beta and 95 price stability.
2.9%
dividend yield
You get paid to wait, and past dividend growth was 6.5%, which is better than a decorative payout.
Financial health
B++
strength
- balance sheet grade B++ — above average financial health
- risk rank 3 — safer than 50% of stocks
- price stability 95 / 100
B++ — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for CHCO right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Was bizarre on paper, with revenue hitting $240M and EPS at $6.75, but the yearly run-rate still looks steady.
SEC-sourced quarterly figures showed revenue up 192% vs. prior year and EPS up 180%. The cleaner read is the annual EPS path: $6.80 in 2022, $7.61 in 2023, and $7.89 in 2024.
$240M
revenue
$6.75
eps
n/a
n/a
the number that mattered
$7.89 matters more than the noisy quarter because it shows full-year earnings still climbed from $7.61, which is what supports the dividend and valuation.
source: company earnings report, 2026
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What could go wrong
the #1 risk here is net interest income pressure. when 80% of your $321M revenue comes from spread-based banking income, margin compression is not a side issue — it is the business.
high
Net interest income pressure
Community banking produces about $257M of CHCO's $321M revenue. If deposit costs rise faster than loan yields, the spread gets squeezed and most of the income statement feels it.
This risk touches roughly 80% of revenue. That's why it sits at the top.
high
Cybersecurity and operational trust
Banks do not get the luxury of a small breach. The current page cites $1.7B in banking assets. A cyber incident can turn into regulatory scrutiny, customer attrition, and plain old reputational damage fast.
Trust is the product in banking. Lose it, and the damage goes beyond one quarter.
med
Acquisition and regulatory limits
The page notes Federal Reserve approval requirements around acquisitions of more than 5% of a bank's voting shares. Translation: consolidation is possible, but not on management's timetable alone.
That can cap one of the cleaner growth levers available to regional banks.
low
Sector sentiment can still hit the stock
CHCO's beta is 0.49 and its price stability score is 95/100, so it usually moves less than the market. That does not make it immune when investors decide they suddenly hate regional banks.
The business may stay steady while the multiple gets marked down anyway.
Most of the downside comes back to one thing: 80% of revenue is tied to traditional banking spread economics, and the stock's "steady compounder" reputation weakens quickly if that engine stumbles.
source: institutional data · regulatory filings · risk analysis
Pay attention to
earnings
Q1 2026 earnings report
Scheduled for April 24, 2026. After a Q4 miss, the question is simple: does reliability snap back right away, or was that quarter the start of a slower patch.
margin
Net interest income as the core engine
About 80% of revenue comes from net interest income. If that mix starts shifting down, you should assume pressure on earnings quality.
regulation
Fed approval still matters for deals
Acquisitions are not just a strategic decision here. They also depend on regulatory permission, which can slow one of the cleaner expansion paths.
income
Dividend consistency
The annual dividend rate is $3.48 per share. For a stock with a 2.9% yield, stability matters almost as much as growth.
Analyst rankings
earnings predictability
95 / 100
This score says the numbers are usually steady. In human-speak: analysts trust this bank to act like a bank, not a drama series.
risk rank
3
Risk rank is a relative safety score. Here it means CHCO looks safer than many stocks, but not so safe that you stop caring about credit, spreads, or regulation.
source: institutional data
Institutional activity
institutional ownership data for CHCO is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$123
current price
n/a
target midpoint · n/a from current
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