City Holding Co · Banks

CHCO

Low riskNext report: Around Jan 20, 2027 (est.)

View price ↗

The short version

A high-quality, profitable business. Insiders and institutions are both adding.

Going well

Profitable every year for 10 years
Brings in more cash than it spends
Buying back shares: share count down 6.5% in 3 years

Money moves

4 insiders bought $68K of shares with their own money in the last 30 days
Institutions added 2.8% to their holdings in the quarter ending June 2026 (131 bought, 85 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$142.94+0.6% that day

Latest insider buy: A director bought at $142.13 on Oct 23. The stock is now $142.94, +0.6% since.

Company value: $2.0B; Share price times all shares
Price vs profit (P/E): 15.6x; You pay about $16 for each $1 of yearly profit
Price vs sales: 27.0x; Company value is 27.0 times a year of sales
Dividend yield: 2.3%; Yearly dividend as a share of today's price
Cash vs value: 13%; Cash as a share of company value
Debt vs value: 7%; Debt as a share of company value

From CHCO's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Profit, Jun '26

$33.3M-0.3% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $131.8M, up 7.9% from the 12 months before.

What the price assumes

Your guesses, our math

Move the sliders to your own view of CHCO. Starting points are the company's recent numbers (it isn't profitable yet, so the margin starts at a 10% guess).

Sales growth+5% a yearRecent growth not reportedProfit margin10%Not reportedP/E at the end16xToday: 15.6x. Many steady companies trade at 12x to 25xShare count change-2% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$95M

Profit in 5 years$9M

Price these guesses point to$11.95-92% vs $142.94 todayAbout -39% a year, before dividends

What today's price needs: with a 10% margin and a 16x P/E, sales would have to grow about 72% a year for 5 years just to match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

5/5Strong

PassReturn on equity 15%+Earns a lot on the money owners have in the business.16.9%
PassDebt under half of equityNot relying on borrowed money.0.19x equity
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$128.4M
PassShare count not growingNot diluting owners. Falling means buybacks.-6.5% in 3 years

Revenue: $74.3M
Total debt: $150.0M; 0.19x equity
Free cash flow: $128.4M

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. Not in this company's SEC data, so not scored: net margin 10%+. A checklist is a starting point for research, not a verdict.

Latest quarter

Quarter ended Jun 30, 2026

Reported Oct 26During market10:49 am ET

From the press release

On September 30, 2026, the Board of Directors of the Company approved a quarterly cash dividend of $1.00 per share, payable October 30, 2026 to shareholders of record as of October 15, 2026.

The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗

EPS: $2.35; vs $2.29
Free cash flow: $31.8M
Share count: -2.8%; vs a year ago

Insider rating

Last 90 days

84Strong buying

4 insiders bought $68K
Cluster buy: 4 insiders within 1 day
James A Hoyer grew their stake 14.2%

50 is neutral. Buying by more insiders, top executives and bigger stakes raises it. Selling lowers it; pre-planned sales count less.

Weekly insider trend

13 weeks agoBoughtSoldThis week

Filing buzz

Last 7 days vs normal

87/ 100

This week: 5
Normal week: 0.8
vs normal: 6.4x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Accumulating+2.8%

Institutions added 2.8% to their holdings. 131 bought, 85 sold.

Shares held by institutions10.3M

Sep '24Jun '26

Safety check

From SEC filings

Share count growthYearly rate, last 3 years

-2.2%

Cash runwayAt last year's cash burn

Cash flow positive

Debt to equityLatest balance sheet: debt compared with what owners have

0.2x · $150.0M debt

Shares outstandingLatest reported

14M

Earnings reports

Last 12

Next reportAround Jan 20, 2027 (est.)Estimated from the same quarter last year

Results filedOct 26
Results filedJul 22
Results filedApr 23
Results filedJan 21
Results filedOct 22, 2025

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

New 5%+ holder (passive)Aug 7 · View filing ↗Big holder

Insider trades

Open-market buys and sells, last 90 days

Bought$68K4 insiders

Sold$00 insiders

Cluster buy4 buyers$68K on the same day

Insider	Trade	Shares	Avg price	Value	Owns after	Date
Robert D FisherDirector	Buy	165	$142.13	$23K	48K	Oct 23Filing ↗
+0.3% of their holdings Filed same day
James A HoyerDirector	Buy	100	$142.13	$14K	802	Oct 23Filing ↗
+14.2% of their holdings Filed same day
Javier A ReyesDirector	Buy	95	$142.13	$14K	2K	Oct 23Filing ↗
+4% of their holdings Filed same day
Diane W Strong-treisterDirector	Buy	120	$142.13	$17K	4K	Oct 23Filing ↗
+2.9% of their holdings Filed same day