CITY HOLDING CO(CHCO)Stock Analysis
AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →13F Pro Quality Score
Rank #2,224 of 2,879 stocks
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
CHCO Stock Analysis & AI Quality Score
AI stock analysis and institutional research for CITY HOLDING CO (CHCO), a Financials sector company. 13F Pro's AI-powered ranking engine scores CHCO at 33.7/100 on a 32-signal composite quality model, placing it at rank #2,224 of 2,879 stocks — the bottom half of the AI-ranked universe. Areas of concern include institutional flow (24.2) and revenue growth (30.0), which score below median versus the broader universe. Shareholder dilution risk is elevated at 27.3/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), CITY HOLDING CO reports quarterly revenue of $79.2M, net income of $31.7M, an operating margin of 49.5%. Top institutional holders of CHCO by reported 13-F value include BlackRock,, VANGUARD PORTFOLIO MANAGEMENT, STATE STREET, based on the most recent SEC filings. CHCO trades on the Nasdaq exchange and files with the SEC under CIK 726854. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CHCO daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for CITY HOLDING CO directly from SEC EDGAR. CITY HOLDING CO's 13F Pro composite quality score has ranged between 33 and 39 since 2026, currently 33.7 — a declining long-term trajectory across 9 quarterly and live scoring snapshots.
Revenue
Q1 2026
$79.2M
Net Income
Q1 2026
$31.7M
Free Cash Flow
Q1 2026
$37.3M
Operating Margin
Q1 2026
49.5%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+3.2% YoYNet Income
+11.4% YoYEPS (Diluted)
+13.2% YoYTotal Assets
+4.1% YoYTotal Debt
+0.0% YoYOp. Cash Flow
-0.4% YoY| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $74.3M +3.2% | $72.0M +4.2% | $69.1M +1.4% | $68.1M +4.9% | $64.9M +6.1% | $61.2M |
| Net Income | $130.5M +11.4% | $117.1M +2.4% | $114.4M +12.0% | $102.1M +15.9% | $88.1M -1.7% | $89.6M |
| EPS (Diluted) | $8.93 +13.2% | $7.89 +3.7% | $7.61 +11.9% | $6.80 +20.1% | $5.66 +2.0% | $5.55 |
| Total Assets | $6.72B +4.1% | $6.46B +4.7% | $6.17B +4.9% | $5.88B -2.1% | $6.00B +4.3% | $5.76B |
| Total Debt | $150.0M +0.0% | $150.0M +50.0% | $100.0M | $0.00 | — | — |
| Operating Cash Flow | $131.4M -0.4% | $131.9M -4.1% | $137.6M +18.8% | $115.8M +13.2% | $102.3M +13.9% | $89.8M |
AI Insight: CHCO Financial Trends
Net income trending higher with stable debt, but operating cash flow volatility masks underlying earnings quality.
• Net income rose from $29M (Q2 2024) to $32M (Q1 2026), up 10% over 9 quarters despite revenue visibility gap.
• Total debt held flat at $150M across entire period while equity grew from $687M to $794M, improving leverage ratio.
• Operating cash flow ranged $28M–$38M with no clear directional trend; Q1 2026 at $38M matches peak levels.
⚠ Net income swung $29M–$35M quarter-to-quarter; Q4 2025 and Q1 2026 both at $32M suggest potential earnings cap.
⚠ Operating cash flow disconnected from net income trajectory; no structural improvement despite earnings gains.
AI Insight: CHCO Ratio Trends
ROIC volatility and Q4 2025 weakness signal operational challenges despite stable leverage.
• ROIC peaked at 18.5% in Q3 2025, then declined sharply to 16.5% in Q4 2025 and 16.6% in TTM—first sustained weakness in 18 months.
• ROE fell from 17.6% in Q3 2025 to 15.6% in Q4 2025, a 200bp drop; TTM ROE of 16.6% trails 2025 Q2–Q3 peak of 17.5–17.6%.
• ROA improved from 1.8% (Q2–Q4 2024) to 2.0–2.1% in Q2–Q3 2025, but retreated to 1.9% by Q1 2026.
⚠ Q4 2025 ROE/ROIC collapse (15.6%/16.5%) suggests one-off charges or seasonal headwinds; monitor Q2 2026 for sustained recovery.
⚠ Leverage stable at 0.19–0.20 D/E; no balance-sheet stress evident, but profitability swings merit operational review.
Get alerted when CHCO's score changes
Free account: watchlist tracking, the daily AI brief, and the AI screener.
Available Research
13F Pro tracks comprehensive data for CITY HOLDING CO including:
Top Institutional Holders of CHCO
BlackRock, Inc.
$242.4M2,028,256 shVANGUARD PORTFOLIO MANAGEMENT LLC
$114.3M956,128 shSTATE STREET CORP
$83.1M695,552 shVANGUARD CAPITAL MANAGEMENT LLC
$73.5M615,038 shWESTWOOD HOLDINGS GROUP INC
$68.7M575,096 shCHARLES SCHWAB INVESTMENT MANAGEMENT INC
$59.3M495,968 shDIMENSIONAL FUND ADVISORS LP
$56.2M470,344 shGEODE CAPITAL MANAGEMENT, LLC
$42.6M356,314 shCITY HOLDING CO
$30.0M251,211 shTWO SIGMA INVESTMENTS, LP
$29.9M250,055 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $242.4M | 2,028,256 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $114.3M | 956,128 |
| STATE STREET CORP | $83.1M | 695,552 |
| VANGUARD CAPITAL MANAGEMENT LLC | $73.5M | 615,038 |
| WESTWOOD HOLDINGS GROUP INC | $68.7M | 575,096 |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $59.3M | 495,968 |
| DIMENSIONAL FUND ADVISORS LP | $56.2M | 470,344 |
| GEODE CAPITAL MANAGEMENT, LLC | $42.6M | 356,314 |
| CITY HOLDING CO | $30.0M | 251,211 |
| TWO SIGMA INVESTMENTS, LP | $29.9M | 250,055 |
More Financials Companies
View all Financials →Put CHCO on your watchlist
Track score changes the day CITY HOLDING CO files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.
Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).
Popular Research
Is CHCO a good stock to buy?
13F Pro's AI-powered analysis of CITY HOLDING CO (CHCO) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CHCO are available on the CHCO stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own CHCO?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CHCO. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of CITY HOLDING CO's investment landscape.