CHCO · City Holding Co
$144.03
+0.83 (+0.58%)
At close · Aug 20
Market Cap
$2.03B
Shares
14.05M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$143.20
Open$146.70
Day$142.82–147.47
52W close$116.62–147.98
Avg vol 30d124K
Short int925K · 6.6% float · 5.8d
Short vol64%
Last earningsFeb 4, 2026
DataJan 2020–Aug 2026
Filing10-Q · Aug 5
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed Aug 5, 2026
Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Neutral
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 14.9 · calm
Equity put/call 0.52
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+13%
above
Price vs 50-day avg
+4%
above
RSI (14)
52
neutral
MACD trend
Negative
52-week position
85%
mid-range
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+3%
trailing
6-month return
+16%
trailing
YTD return
+20%
this year
Relative strength
+5%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $137 › 200d $126 — 50d above 200d
Institutional flow
Accumulating
+7% holders QoQ · +38 funds added
Insider flow
Distributing
Net -$1.0M over 90 days · 100% sells
Short interest
Falling
6.59% of float · ▼ -4.5% MoM · 5.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
251 holders — near 3-yr high, broad support
Squeeze score
63
elevated · 0–100
Fundamentals
Revenue growth
+3%
Y/Y
EPS growth
+13%
Y/Y
Free cash flow
$128.4M
Valuation
P/E 15.9
rich
Balance sheet
$95.9M
net debt
Quant / Vol
risk profile
Volatility
19%
annualized · 1-yr
Max drawdown
−10%
past year
ATR
1.9%
of price · 14-day
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Technicals
trend & momentum for long-term holders Neutral
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+13%
Bullish
Price vs 50-day avg
+4%
Bullish
RSI (14)
52
Neutral
MACD trend
Negative
Bearish
52-week position
85%
Neutral
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $137 › 200d $126 — 50d above 200d
Institutional flow
Accumulating
+7% holders QoQ · +38 funds added
Insider flow
Distributing
Net -$1.0M over 90 days · 100% sells
Short interest
Falling
6.59% of float · ▼ -4.5% MoM · 5.8 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
251 holders — near 3-yr high, broad support
Price context
position in its 52-week range
Range low $117
Now $143 · 85%
Range high $148
vs 200-day avg +13%
vs 50-day avg +4%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Allowance as a percent of loans outstanding | 0.44% | Three Months Ended June 30, 2026 | — |
| Assets per FTE (in thousands) | 7.33M | June 30, 2026 | — |
| Average daily volume | 116K | Q2 2026 | — |
| Average Shareholders' Equity to Average Assets | 11.87% | Three Months Ended June 30, 2026 | — |
| Average treasury share repurchase price | $122.46 | Q2 2026 | — |
| Branches | 95 | Q2 2026 | — |
| City National Bank CET I | 15.01% | June 30, 2026 | — |
| City National Bank Total | 15.48% | June 30, 2026 | — |
| Common Equity Tier I ratio | 15% | Q2 2026 | — |
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| Consolidated City Holding Company CET I | 17.06% | June 30, 2026 | — |
| Consolidated City Holding Company Leverage | 10.97% | June 30, 2026 | — |
| Consolidated City Holding Company Tier I | 17.06% | June 30, 2026 | — |
| Consolidated City Holding Company Total | 17.53% | June 30, 2026 | — |
| Deposits per FTE (in thousands) | 5.78M | June 30, 2026 | — |
| Effective income tax rate | 19.4% | Q2 2026 | — |
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| Efficiency Ratio | 48.1% | Q2 2026 | — |
| FTE | 924 | Three Months Ended June 30, 2026 | — |
| Leverage Ratio | 9.7% | Q2 2026 | — |
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| Loan to asset ratio | 66.5% | Q2 2026 | — |
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| Loan to deposit ratio | 84.3% | Q2 2026 | — |
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| Net interest income, fully taxable equivalent non-GAAP | $120.92M | Six Months Ended June 30, 2026 | — |
| Net Interest Margin | 3.97% | Q2 2026 | — |
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| nonperforming assets | $10.6M | Q2 2026 | — |
| ratio of nonperforming assets to total loans and other real estate owned | 0.24% | Q2 2026 | — |
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| Return on assets | 1.98% | Q2 2026 | — |
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| Return on tangible equity | 20.7% | Q2 2026 | — |
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| Tangible common equity to tangible assets non-GAAP | 9.85% | June 30, 2026 | — |
| Tangible equity ratio | 9.9% | Q2 2026 | — |
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| Tier I Capital ratio | 15% | Q2 2026 | — |
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| Total Non-Performing Assets | 10.59M | June 30, 2026 | — |
| Total non-performing loans | 10.1M | June 30, 2026 | — |
| Total past due loans | $8.6M | Q2 2026 | — |
| Total past due loans as a percent of total loans outstanding | 0.19% | Q2 2026 | — |
| Total Risk-Based Capital ratio | 15.5% | Q2 2026 | — |
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| Treasury shares repurchased | 397K | year ended December 31, 2025 | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Banks - Regional — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
CHCO
this stock
City Holding Co
|
$2.03B | +20.1% | +3.2% | 15.9 | 6.6% |
|
MFG
Mizuho Financial Group Inc
|
$123.19B | +38.5% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$118.97B | -36.6% | +15.2% | — | 0.5% |
|
IBN
Icici Bank Ltd
|
$105.45B | -1.2% | — | — | 0.5% |
|
CIXPF
CaixaBank/ADR
|
$100.59B | +18.7% | — | — | 0.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionOwnership
Short & Settlement
Smart Money
Financials
Filings
Earnings & Events
Performance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| CHCO | -2.7% | +2.9% | +16.3% | -1.3% | +20.1% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -2.3% | +0.0% | +4.7% | -4.3% | +7.4% |
Capital returns
Latest dividend
$0.87
/ share · ex Jul 15, 2026
Paid (TTM)
$3.48
/ share · 4 payouts
Dividend yield (TTM, derived)
2.43%
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.