CHCO · City Holding Co
$144.90
+1.00 (+0.69%)
At close · Jul 28
Market Cap
$2.04B
Shares
14.11M
Price & Indicators
20d MA
50d MA
200d MA
Earnings
Filing
Insider
Congress
Investor day
Close$144.90
Open$144.99
Day$143.13–146.66
52W$113.21–146.66
Avg vol 30d165K
Short int969K · 6.9% float · 7.4d
Short vol44%
Last earningsFeb 4, 2026
DataJan 2020–Jul 2026
Filing10-Q · May 6
Up next
FQ3-26 quarter ends
~Sep 30, 2026
Est
filed May 6, 2026
Equibles Rating
blended score · not investment adviceOverall
Strong Buy
SellHoldBuy
Technical
Buy
Momentum
Very Strong
Sentiment
Bullish
Fundamentals
Strong
Quant / Vol
Very Low
Market backdrop
VIX 18.2 · elevated
Equity put/call 0.71
Technical
price trend
50 / 200-day cross
No cross
Price vs 200-day avg
+17%
above
Price vs 50-day avg
+11%
above
RSI (14)
73
overbought
MACD trend
Positive
52-week position
95%
near high
Volume (OBV)
Confirms
volume backs price
Momentum
relative strength
1-month return
+10%
trailing
6-month return
+15%
trailing
YTD return
+22%
this year
Relative strength
+8%
vs S&P · 6-mo
Sentiment
smart money
Trend (MA cross)
No cross
50d $130 › 200d $124 — 50d above 200d
Institutional flow
Accumulating
61 of 233 funds reported for Jun 30 · net +116.1K sh shares · +10 new
Insider flow
Distributing
Net -$677.6K over 90 days · 75% sells
Short interest
Falling
6.87% of float · ▼ -0.8% MoM · 7.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
233 holders — near 3-yr high, broad support
Squeeze score
80
high risk · 0–100
Fundamentals
Revenue growth
+3%
Y/Y
EPS growth
+13%
Y/Y
Free cash flow
$128.4M
Valuation
P/E 16
rich
Balance sheet
$41.9M
net cash
Quant / Vol
risk profile
Volatility
19%
annualized · 1-yr
Max drawdown
−9%
past year
ATR
2.2%
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 Buy
50 / 200-day cross
No cross
Neutral
Price vs 200-day avg
+17%
Bullish
Price vs 50-day avg
+11%
Bullish
RSI (14)
73
Bearish
MACD trend
Positive
Bullish
52-week position
95%
Bullish
Volume (OBV)
Confirms
Neutral
Market signals — smart money & positioning
Bullish · 3 of 6
Trend (MA cross)
No cross
50d $130 › 200d $124 — 50d above 200d
Institutional flow
Accumulating
61 of 233 funds reported for Jun 30 · net +116.1K sh shares · +10 new
Insider flow
Distributing
Net -$677.6K over 90 days · 75% sells
Short interest
Falling
6.87% of float · ▼ -0.8% MoM · 7.4 days cover
Volume signal
Normal
Volume near normal
Institution breadth
Multi-yr high
233 holders — near 3-yr high, broad support
Price context
position in its 52-week range
52-wk low $113
Now $145 · 95%
52-wk high $147
vs 200-day avg +17%
vs 50-day avg +11%
Illustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
|---|---|---|---|
| Branches | 95 | Q2 FY2026 | — |
| Leverage Ratio | 9.7% | Q2 FY2026 | — |
|
|
|||
| Loan to asset ratio | 66.5% | Q2 FY2026 | — |
|
|
|||
| Loan to deposit ratio | 84.3% | Q2 FY2026 | — |
|
|
|||
| Net interest margin | 3.97% | Q2 FY2026 | — |
|
|
|||
| Nonperforming assets | $10.6M | Q2 FY2026 | — |
| Ratio of nonperforming assets to total loans and other real estate owned | 0.24% | Q2 FY2026 | — |
|
|
|||
| Return on assets | 1.98% | Q2 FY2026 | — |
|
|
|||
| Return on tangible equity | 20.7% | Q2 FY2026 | — |
|
|
|||
| Tangible equity | $652M | Q2 FY2026 | — |
| Tangible equity ratio | 9.9% | Q2 FY2026 | — |
|
|
|||
| Total Risk-Based Capital ratio | 15.5% | Q2 FY2026 | — |
|
|
|||
| Common Equity Tier I ratio | 14.4% | first quarter of 2026 | — |
| Effective income tax rate | 19.2% | first quarter of 2026 | — |
| Tier I Capital ratio | 14.4% | first quarter of 2026 | — |
| Average daily volume | 85K | year ended December 31, 2025 | — |
| Average treasury share repurchase price | $115.24 | year ended December 31, 2025 | — |
| Efficiency Ratio | 48.2% | year ended December 31, 2025 | — |
| Total past due loans | 8.5M | year ended December 31, 2025 | — |
| Total past due loans as a percent of total loans outstanding | 0.19% | year ended December 31, 2025 | — |
| Treasury shares repurchased | 397K | year ended December 31, 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
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
|
$2.04B | +22.4% | +3.2% | 16.0 | 6.9% |
|
MFG
Mizuho Financial Group Inc
|
$122.92B | +44.4% | — | — | 0.1% |
|
HDB
Hdfc Bank Ltd
|
$121.08B | -35.5% | +15.2% | — | 0.4% |
|
IBN
Icici Bank Ltd
|
$108.53B | +0.3% | — | — | 0.6% |
|
PNC
Pnc Financial Services Group, Inc.
|
$101.03B | +21.5% | +7.2% | 14.6 | 1.7% |
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 | +7.3% | +10.0% | +15.4% | +9.2% | +22.4% |
| SPY | -1.0% | 0.0% | +7.4% | -0.8% | +8.6% |
| vs SPY | +8.3% | +10.0% | +8.0% | +10.0% | +13.8% |
Capital returns
Latest dividend
$0.87
/ share · ex Jul 15, 2026
Paid (TTM)
$3.48
/ share · 4 payouts
Dividend yield (TTM, derived)
2.40%
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.