City (CHCO) Stock: Buy, Sell, or Hold?
CHCO - City Holding Co
$142.82
1.43 (1.01%)
▲
5d:
+0.6%
30d:
-0.82%
90d:
+5.85%
HOLD
LOW Confidence
Analysis Updated: Oct 2, 2026 12:00 AM ET
Earnings: Oct 28, 2026
23d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: CHCO is fairly valued with market pricing in 2.3% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: CHCO is fairly valued with market pricing in 2.3% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$162.58
Based on 4.1% avg growth
INTRINSIC VALUE TODAY
$100.95
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 13.8x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CHCO is currently trading at $142.82, which is considered fair relative to its 30-day fair value range of $140.75 to $144.70. The stock's valuation (Forward PE: 14.8) is in line with its historical norms (13.8). At these levels, the market is pricing in 2.3% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, CHCO is in a strong uptrend. The price is approaching resistance at $144.12. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CHCO scores 73/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, CHCO is in a strong uptrend. The price is approaching resistance at $144.12. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CHCO scores 73/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$140.75 -
$144.70
Company Quality Score
63/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
79.5%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (73/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($142.40)
- NEUTRAL: Market pricing in 2.3% annual earnings growth - fairly valued
- CAUTION: Bottoming setup, but lagging the sector by 16% over 20 days — wait for relative strength
Trading Range Analysis
30-Day Trading Range
$140.75 -
$144.70
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$137.70
Resistance Level
$144.12
Current Trend
Strong Uptrend
Technical data as of
Oct 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
14.78
Wall Street Target
$142.40
(-0.3%)
Revenue Growth (YoY)
0.9%
Earnings Growth (YoY)
2.8%
Profit Margin
41.1%
Valuation Premium vs History
+2.3% premium
PE vs Historical
14.8 vs 13.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+2.3%
(market-implied from PE analysis)
1-Year Target
$146.10
(+2%)
2-Year Target
$149.47
(+5%)
3-Year Target
$152.90
(+7%)
3-Yr Target (if PE normalizes)
(PE: 15→14)
PE COMPRESSION
$142.72
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.4, Growth: 4.1%)
$222.28
(+56%)
Base:
(SPY PE: 14.8, Growth: 4.1%)
$161.09
(+13%)
Bear:
(PE: 12.6, Growth: 4.1%)
$136.93
(-4%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (15x PE) as earnings recover.
Trailing PE: 15.24 | Current EPS (TTM): $9.28
Bull Case
$161.90
(+13%)
Analyst growth 4.1%, PE expands to 16.8
Base Case
$147.18
(+3%)
Market implied 4.1%, PE stable at 15.2
Bear Case
$96.15
(-33%)
Severe decline -20.0%, PE contracts to 13.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: October 03, 2026 8:33 PM ET
Data refreshes hourly during market hours. Next update: 9:33 PM
Data refreshes hourly during market hours. Next update: 9:33 PM
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Technical Signals Check
Is CHCO showing a specific setup today?
Insider Activity (6 Months)
3
Buys
0
Sells
+
Net
INSIDERS BUYING
Recent Transactions
Javier A Reyes
BUY
103 shares
2026-04-20
Robert D Fisher
BUY
133 shares
2026-04-20
Diane W Strong-Treister
BUY
119 shares
2026-04-20
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