CHCO$120.67
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Performance
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AI CHCO Summary
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Powered by LiveAIOverall Analysis
BuyCity Holding Company demonstrates solid fundamental strength with consistent profitability and a healthy balance sheet. Technical indicators suggest a bullish trend, although some short-term indicators point to potential overbought conditions. Thematic alignment is neutral.
Thematic
City Holding Company operates in the banking sector, which is generally stable but may not be directly aligned with high-growth technology themes. Its services are essential but not at the forefront of major disruptive trends.
Fundamental
City Holding Company exhibits strong financial health with robust profitability, a manageable debt level, and solid cash flow. Its valuation metrics are generally reasonable, especially considering its consistent performance.
Technical
The stock is trading above key moving averages, indicating a bullish trend. However, some oscillators are in neutral to sell territory, suggesting a potential for consolidation or a slight pullback.
| Factor | Score |
|---|---|
| Digital Transformation in Banking | 60 |
| Financial Inclusion | 50 |
| Regulatory Landscape Impact | 40 |
| Economic Sensitivity | 60 |
| Interest Rate Sensitivity | 50 |
| Factor | Score |
|---|---|
| Valuation | 70 |
| Profitability | 95 |
| Growth | 45 |
| Balance Sheet Health | 90 |
| Cash Flow | 85 |
| Factor | Score |
|---|---|
| Trend Analysis | 80 |
| Momentum | 55 |
| Volume Confirmation | 65 |
| Support & Resistance | 70 |
| Short-term Oscillators | 45 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Consistent EPS Beat
The company has exceeded EPS estimates in 11 out of the last 12 quarters, indicating a strong track record of profitability and reliable earnings generation.
Undervalued Based on P/E
The current P/E ratio of 15.62 is significantly lower than the industry average of 20.0, suggesting the stock may be undervalued relative to its earnings.
Bearish Points (7)
High Price-to-Sales Ratio
The Price-to-Sales (P/S) ratio of 8.4 is relatively high compared to its Net Income of $117.1 million in 2024, potentially indicating rich valuation expectations.
Slowing Revenue Growth
While profitable, the revenue for the latest reported year (2024) was $285.06 million, showing a less dramatic increase compared to previous years, hinting at potential growth moderation.
Calendar
July 2025
15
Ex-Dividend Date
July 2025
22
Next Earnings Date
H: $2.01
A: $1.96
L: $1.87
H: 77.40M
A: 76.10M
L: 75.06M
July 2025
31
Next Dividend Date
Profile
City 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 United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. It also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of residence; first-priority home equity loans; home equity lines of credit; amortized home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts, as well as owner-occupied real estate and construction, land development, and lines of credit. In addition, the company offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government-insured mortgages, secondary marketing, and mortgage servicing. Further, it provides treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. The company was founded in 1957 and is headquartered in Charleston, West Virginia.
Seasonals
Price Target
121.80 USD
The 39 analysts offering 1 year price forecasts for CHCO have a max estimate of 128.00 and a min estimate of 106.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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