- ISIN
- US1778351056
- CUSIP
- 177835105
- Sector
- Financial Services
- Industry
- Banks - Regional
- IPO Date
- Feb 19, 1993
Highlights
- Market Cap
- $1.82B
- Enterprise Value
- $1.69B
- EPS (TTM)
- $6.96
- PE Ratio
- 18.37
- PEG Ratio
- 1.51
- Total Revenue (TTM)
- $298.13M
- Gross Profit (TTM)
- $237.39M
- EBITDA (TTM)
- $131.18M
- Year Range
- $113.21 - $133.59
- Target Price
- $130.00
- ROA (TTM)
- 1.48%
- ROE (TTM)
- 12.61%
Share Price Chart
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Performance
CHCO Performance Chart
City Holding Company (CHCO) is up 8.7% since the beginning of the year. At $128 per share, CHCO is trading 4.3% below its 52-week high of $134. Investors who bought $1,000 worth of CHCO shares 5 years ago would now be looking at an investment worth $1,917.
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Returns By Period
City Holding Company (CHCO) has returned 8.74% so far this year and 12.79% over the past 12 months. Over the last decade, CHCO has posted an annualized return of 14.33%, slightly higher than the S&P 500 Index benchmark’s 13.88%.
City Holding Company
- 1D
- 0.55%
- 1M
- 2.56%
- YTD
- 8.74%
- 6M
- 5.17%
- 1Y
- 12.79%
- 3Y*
- 15.44%
- 5Y*
- 13.90%
- 10Y*
- 14.33%
Benchmark (S&P 500 Index)
- 1D
- -0.37%
- 1M
- -0.01%
- YTD
- 9.16%
- 6M
- 8.64%
- 1Y
- 25.22%
- 3Y*
- 19.78%
- 5Y*
- 11.99%
- 10Y*
- 13.88%
CHCO Monthly Returns History
Based on dividend-adjusted daily data since Feb 19, 1993, CHCO's average daily return is +0.07%, while the average monthly return is +1.02%. At this rate, an investment would double in approximately 5.7 years.
Historically, 54% of months were positive and 46% were negative. The best month was Feb 2001 with a return of +58.7%, while the worst month was Jun 2000 at -37.3%. The longest winning streak lasted 6 consecutive months, and the longest losing streak was 5 months.
On a daily basis, CHCO closed higher 47% of trading days. The best single day was Jun 14, 2000 with a return of +41.1%, while the worst single day was Jan 7, 1994 at -20.7%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 4.00% | -2.53% | -0.38% | 3.59% | 1.10% | 2.82% | 8.74% | ||||||
| 2025 | 0.37% | 0.73% | -1.28% | -0.66% | 1.74% | 3.84% | 0.37% | 5.23% | -3.59% | -4.16% | 2.91% | -1.74% | 3.38% |
| 2024 | -6.67% | -1.69% | 3.72% | -2.37% | 1.19% | 3.94% | 15.47% | -2.59% | -1.14% | -0.01% | 12.62% | -9.78% | 10.41% |
| 2023 | 2.55% | 3.60% | -7.45% | 1.07% | -5.48% | 4.41% | 10.70% | -7.63% | -1.11% | 1.26% | 6.05% | 14.53% | 21.95% |
| 2022 | -1.23% | -0.67% | -1.22% | -0.88% | 6.09% | -2.69% | 9.47% | -2.05% | 4.33% | 14.53% | 1.06% | -8.66% | 17.28% |
| 2021 | 0.10% | 8.92% | 8.74% | -4.67% | 3.64% | -6.21% | 1.36% | 2.96% | 0.01% | 2.92% | -1.41% | 4.24% | 21.28% |
Benchmark Metrics
City Holding Company has an annualized alpha of 8.84%, beta of 0.82, and R2 of 0.13 versus S&P 500 Index. Calculated based on daily prices since February 19, 1993.
- This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (50.69%) than losses (38.90%) - typical of diversified or defensive assets.
- R2 of 0.13 means this stock moves largely independently of S&P 500 Index - capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 8.84%
- Beta
- 0.82
- R²
- 0.13
- Upside Capture
- 50.69%
- Downside Capture
- 38.90%
Return for Risk
Risk / Return Rank
CHCO ranks 60 for risk / return — on par with similar stocks. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for City Holding Company (CHCO) and compare them to S&P 500 Index.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| CHCO | Benchmark | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | -1.38 | ||
| Sortino ratioReturn per unit of downside risk | -1.68 | ||
| Omega ratioGain probability vs. loss probability | 1.12 | 1.37 | -0.24 |
| Calmar ratioReturn relative to maximum drawdown | 1.09 | 2.78 | -1.69 |
| Martin ratioReturn relative to average drawdown | 1.85 | 12.44 | -10.59 |
Dividends
Dividend History
City Holding Company provided a 2.66% dividend yield over the last twelve months, with an annual payout of $3.40 per share. The company has been increasing its dividends for 23 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $3.40 | $3.24 | $2.94 | $2.67 | $2.45 | $2.32 | $2.28 | $2.16 | $1.91 | $1.75 | $1.71 | $1.66 |
Dividend yield | 2.66% | 2.72% | 2.48% | 2.42% | 2.63% | 2.84% | 3.28% | 2.64% | 2.83% | 2.59% | 2.53% | 3.64% |
Monthly Dividends
The table displays the monthly dividend distributions for City Holding Company. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.87 | $0.00 | $0.00 | $0.87 | $0.00 | $0.00 | $1.74 | ||||||
| 2025 | $0.79 | $0.00 | $0.00 | $0.79 | $0.00 | $0.00 | $0.79 | $0.00 | $0.00 | $0.87 | $0.00 | $0.00 | $3.24 |
| 2024 | $0.72 | $0.00 | $0.00 | $0.72 | $0.00 | $0.00 | $0.72 | $0.00 | $0.00 | $0.79 | $0.00 | $0.00 | $2.94 |
| 2023 | $0.65 | $0.00 | $0.00 | $0.65 | $0.00 | $0.00 | $0.65 | $0.00 | $0.00 | $0.72 | $0.00 | $0.00 | $2.67 |
| 2022 | $0.60 | $0.00 | $0.00 | $0.60 | $0.00 | $0.00 | $0.60 | $0.00 | $0.00 | $0.65 | $0.00 | $0.00 | $2.45 |
| 2021 | $0.58 | $0.00 | $0.00 | $0.58 | $0.00 | $0.00 | $0.58 | $0.00 | $0.00 | $0.58 | $0.00 | $0.00 | $2.32 |
Dividend Yield & Payout
Dividend Yield
City Holding Company has a dividend yield of 2.66%, which is quite average when compared to the overall market.
Payout Ratio
City Holding Company has a payout ratio of 47.23%, which is quite average when compared to the overall market. This suggests that City Holding Company strikes a balance between reinvesting profits for growth and paying dividends to shareholders.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
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Worst Drawdowns
The table below displays the maximum drawdowns of the City Holding Company. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the City Holding Company was 89.14%, occurring on Dec 22, 2000. Recovery took 1508 trading sessions.
The current City Holding Company drawdown is 2.28%.
Related event | Drawdown | Fall | Recovery | Underwater |
|---|---|---|---|---|
Dot-com crash2000–2002 | -89.14%Dec 2000 | 2y 10mo | 6y 5d | 8y 10moFeb 1998 - Dec 2006 |
Financial crisis2007–2009 | -54.90%Mar 2009 | 5mo 18d | 4y 7d | 4y 5moSep 2008 - Mar 2013 |
1996 bear market1996 | -36.02%Nov 1996 | 2y 1mo | 3mo 12d | 2y 4moOct 1994 - Feb 1997 |
2020 bear market2020 | -32.25%May 2020 | 4mo 23d | 9mo 24d | 1y 2moDec 2019 - Mar 2021 |
1994 bear market1994 | -25.37%May 1994 | 4mo 18d | 1mo 4d | 5mo 22dJan 1994 - Jun 1994 |
Drawdown Indicators
| CHCO | Benchmark | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -89.14% | -56.78% | -32.36% |
Max Drawdown (1Y)Largest decline over 1 year | -11.76% | -9.10% | -2.66% |
Max Drawdown (3Y)Largest decline over 3 years | -18.38% | -18.90% | +0.52% |
Max Drawdown (5Y)Largest decline over 5 years | -18.38% | -25.43% | +7.05% |
Max Drawdown (10Y)Largest decline over 10 years | -32.25% | -33.92% | +1.67% |
Current DrawdownCurrent decline from peak | -2.28% | -1.80% | -0.48% |
Average DrawdownAverage peak-to-trough decline | -19.64% | -10.71% | -8.93% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 6.93% | 2.03% | +4.90% |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
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Financials
Financial Performance
The chart below illustrates the trends in the financial health of City Holding Company over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how City Holding Company is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for CHCO, comparing it with other companies in the Banks - Regional industry. Currently, CHCO has a P/E ratio of 18.4. This P/E ratio is significantly higher than those of industry peers. This could indicate that the stock is overvalued or that investors expect strong future growth.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for CHCO compared to other companies in the Banks - Regional industry. CHCO currently has a PEG ratio of 1.5. This PEG ratio is close to the industry average, suggesting the stock’s valuation is balanced against its growth outlook.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for CHCO relative to other companies in the Banks - Regional industry. Currently, CHCO has a P/S ratio of 6.2. This P/S ratio is high relative to other companies in the industry. It could mean the stock is overvalued, or that investors expect strong future growth and profitability.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for CHCO in comparison with other companies in the Banks - Regional industry. Currently, CHCO has a P/B value of 2.3. This P/B ratio is higher than most companies in the industry. It may suggest the stock is overvalued or that investors expect the company to generate high returns on its assets.
Income Statement
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |
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