City Holding Company (CHCO) stock analysis

In our weekly check, City Holding Company is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 4, red flags: 4.

About City Holding Company

City Holding Company is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as CHCO.

What our checks show for CHCO

Red flags

• The gross margin fell by 18.3 points, to 78.8%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 2.9% a year.
• Recovering from its deepest fall took about 4.6 years.

Warning signs

• The net margin fell by 3.8 points over 5 years, to 34.7%: the company keeps less of each sale as profit.
• A small company (market value $2 billion): usually riskier and followed by fewer analysts.
• The stock has fallen as much as 56% from a peak. Would you have held through that?
• Thinly traded (about 113 thousand shares a day): buying and selling can move the price.

Strengths

• Analysts expect the net margin to improve by 7.9 points from today's 34.7%.
• Earnings per share grew 10.3% a year over the last 3 years.
• The company keeps 34.7% of its revenue as net profit.
• Free cash flow is 36.5% of revenue: cash for dividends, buybacks or growth.
• The dividend takes 37% of profit: there is a cushion.
• The price moves calmly: 17% annual volatility.

Next earnings report: 2026-10-28

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Questions

What grade does City Holding Company (CHCO) have?

In our weekly check, City Holding Company is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 4, red flags: 4. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of CHCO stock?

This week's biggest flags for City Holding Company: Gross margin falling, Weak revenue forecast, Slow recovery after falls. In total 8 of 25 checks show a warning or a red flag.

What does City Holding Company do?

City Holding Company is a Financial Services company (Banks - Regional) based in the United States, listed on NASDAQ as CHCO.

When does City Holding Company report earnings next?

The next earnings report is expected on 2026-10-28. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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