City (CHCO) Stock: Buy, Sell, or Hold?
CHCO - City Holding Co
$139.97
-0.64 (-0.46%)
▼
5d:
-2.0%
30d:
-2.56%
90d:
+4.47%
HOLD
MODERATE Confidence
Analysis Updated: Oct 9, 2026 12:00 AM ET
Earnings: Oct 28, 2026
17d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: CHCO is fairly valued with market pricing in 1.6% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: CHCO is fairly valued with market pricing in 1.6% 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 $139.97, which is considered oversold relative to its 30-day fair value range of $140.17 to $144.23. The stock's valuation (Forward PE: 14.5) is in line with its historical norms (13.8). At these levels, the market is pricing in 1.6% 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 currently testing key support at $137.70. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 49/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. 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 currently testing key support at $137.70. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: The stock scores a mixed 49/100 on our bottoming-setup gauge, with only partial signs of a stabilized entry point. 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
OVERSOLD
Historical Trading Range
$140.17 -
$144.23
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
75.7%
All Signals
- BULLISH: Price oversold vs 30-day range
- NEUTRAL: Mixed technical signals (49/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($142.40)
- NEUTRAL: Market pricing in 1.6% annual earnings growth - fairly valued
- NEUTRAL: Bottoming setup forming (49/100) — watch for confirmation
Trading Range Analysis
30-Day Trading Range
$140.17 -
$144.23
Current vs Trading Range
OVERSOLD
Support & Resistance Levels
Support Level
$137.70
Resistance Level
$143.79
Current Trend
Strong Uptrend
Technical data as of
Oct 9, 2026
Fundamental Context
Forward P/E (Next Year Est.)
14.49
Wall Street Target
$142.40
(+1.7%)
Revenue Growth (YoY)
0.9%
Earnings Growth (YoY)
2.8%
Profit Margin
41.1%
Valuation Premium vs History
+1.6% premium
PE vs Historical
14.5 vs 13.8
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.6%
(market-implied from PE analysis)
1-Year Target
$142.21
(+2%)
2-Year Target
$144.48
(+3%)
3-Year Target
$146.80
(+5%)
3-Yr Target (if PE normalizes)
(PE: 14→14)
PE COMPRESSION
$139.81
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 4.1%)
$216.39
(+55%)
Base:
(SPY PE: 14.5, Growth: 4.1%)
$157.88
(+13%)
Bear:
(PE: 12.3, Growth: 4.1%)
$134.20
(-4%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (15x PE), but valuation improves significantly next year (14x PE) as earnings recover.
Trailing PE: 15.30 | Current EPS (TTM): $9.19
Bull Case
$162.58
(+16%)
Analyst growth 5.1%, PE expands to 16.8
Base Case
$147.80
(+6%)
Market implied 5.1%, PE stable at 15.3
Bear Case
$95.61
(-32%)
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 10, 2026 6:31 PM ET
Data refreshes hourly during market hours. Next update: 7:31 PM
Data refreshes hourly during market hours. Next update: 7:31 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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