City Holding Company
CHCOFinancial ServicesNASDAQBanks - Regional
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Daily timeframeCity Holding Company operates as a financial holding company for City National Bank of West Virginia that provides banking, trust and investment management, and other financial solutions in the. Valued at $1.75B, CHCO is a small-cap name in its sector. It offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts.
Market Cap
$1.75B
Beta
0.49
P/E (TTM)
13.69
P/E (Fwd)
13.09
EPS (TTM)
$9.08
EPS (Fwd)
$9.50
ROE
17.0%
ROA
2.0%
Cash
$333.0M
Total Debt
$558.1M
Free CF
—
52W Change
5.9%
Annual Financials
Cash vs Debt
City Holding Company carries $558.1M in total debt against $333.0M in cash reserves — debt is roughly 1.7x the cash position. Managing this leverage effectively will be important for long-term financial stability. Return on equity stands at 17.0%, which is strong for the sector. ROE measures how effectively a company uses shareholder capital to generate profits. ROA of 2.0% is on the lower side, which is common in asset-heavy industries. Revenue has grown from $246.1M (2022) to $305.2M (2025), reflecting a 24% increase over the period.
The relatively low beta of 0.49 suggests CHCO is a less volatile holding compared to the broader index. No single metric tells the full story. Reviewing CHCO's risk profile alongside its fundamentals and technical indicators provides a more complete picture.