CHCO Stock Analysis: Buy, Sell, or Hold?
CHCO - City Holding Co
$131.31
1.69 (1.30%)
▲
5d:
+2.48%
30d:
+5.36%
90d:
+10.34%
HOLD
MODERATE Confidence
Analysis Updated: Jun 24, 2026 12:00 AM ET
Earnings: Jul 28, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: CHCO is fairly valued with market pricing in 0.8% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: CHCO is fairly valued with market pricing in 0.8% 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
$157.04
Based on 4.5% avg growth
INTRINSIC VALUE TODAY
$97.51
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 13.3x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CHCO is currently trading at $131.31, which is considered extended relative to its 30-day fair value range of $123.96 to $128.66. The stock's valuation (Forward PE: 13.7) is in line with its historical norms (13.3). At these levels, the market is pricing in 0.8% 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 uptrend. The price is approaching resistance at $132.00. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CHCO has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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 uptrend. The price is approaching resistance at $132.00. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: CHCO has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. 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
EXTENDED
Historical Trading Range
$123.96 -
$128.66
Company Quality Score
63/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($131.40)
- NEUTRAL: Market pricing in 0.8% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$123.96 -
$128.66
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$125.57
Resistance Level
$132.00
Current Trend
Uptrend
Technical data as of
Jun 24, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.65
Wall Street Target
$131.40
(+1.4%)
Revenue Growth (YoY)
5.5%
Earnings Growth (YoY)
6.8%
Profit Margin
41.3%
Valuation Premium vs History
+0.8% premium
PE vs Historical
13.7 vs 13.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.8%
(market-implied from PE analysis)
1-Year Target
$130.66
(+1%)
2-Year Target
$131.70
(+2%)
3-Year Target
$132.76
(+2%)
3-Yr Target (if PE normalizes)
(PE: 14→13)
PE COMPRESSION
$129.38
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 21.8, Growth: 4.9%)
$238.82
(+84%)
Base:
(SPY PE: 13.6, Growth: 4.9%)
$149.64
(+15%)
Bear:
(PE: 11.6, Growth: 4.9%)
$127.19
(-2%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (14x PE) as earnings recover.
Trailing PE: 14.08 | Current EPS (TTM): $9.08
Bull Case
$147.07
(+14%)
Analyst growth 4.6%, PE expands to 15.5
Base Case
$133.70
(+3%)
Market implied 4.6%, PE stable at 14.1
Bear Case
$86.92
(-33%)
Severe decline -20.0%, PE contracts to 12.0
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: June 24, 2026 4:45 PM ET
Data refreshes hourly during market hours. Next update: 5:45 PM
Data refreshes hourly during market hours. Next update: 5:45 PM
🔥 Top Stocks Breaking Out Now
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Technical Signals Check
Is CHCO showing a specific setup today?
Insider Activity (6 Months)
7
Buys
1
Sells
+
Net
INSIDERS SELLING
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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