CHCO Stock Analysis: Buy, Sell, or Hold?
CHCO - City Holding Co
$145.49
0.38 (0.26%)
▲
5d:
+1.1%
30d:
+7.89%
90d:
+17.73%
HOLD
MODERATE Confidence
Analysis Updated: Jul 31, 2026 12:00 AM ET
Earnings: Oct 21, 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 4.0% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: CHCO is fairly valued with market pricing in 4.0% 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
$155.09
Based on 3.7% avg growth
INTRINSIC VALUE TODAY
$96.30
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 13.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CHCO is currently trading at $145.49, which is considered extended relative to its 30-day fair value range of $132.42 to $141.81. From a valuation perspective, the stock is trading at a premium (Forward PE: 15.2) compared to its historical average (13.5). At these levels, the market is pricing in 4.0% 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 $147.57. 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 (60/100), 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 strong uptrend. The price is approaching resistance at $147.57. 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 (60/100), 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
$132.42 -
$141.81
Company Quality Score
58/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
58.1%
All Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($139.80)
- NEUTRAL: Market pricing in 4.0% annual earnings growth - fairly valued
Trading Range Analysis
30-Day Trading Range
$132.42 -
$141.81
Current vs Trading Range
EXTENDED
Support & Resistance Levels
Support Level
$132.89
Resistance Level
$147.58
Current Trend
Strong Uptrend
Technical data as of
Aug 3, 2026
Fundamental Context
Forward P/E (Next Year Est.)
15.19
Wall Street Target
$139.80
(-3.9%)
Revenue Growth (YoY)
1.2%
Earnings Growth (YoY)
2.8%
Profit Margin
41.1%
Valuation Premium vs History
+4.0% premium
PE vs Historical
15.2 vs 13.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+4.0%
(market-implied from PE analysis)
1-Year Target
$151.31
(+4%)
2-Year Target
$157.36
(+8%)
3-Year Target
$163.66
(+13%)
3-Yr Target (if PE normalizes)
(PE: 15→14)
PE COMPRESSION
$145.48
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.7, Growth: 3.4%)
$219.62
(+51%)
Base:
(SPY PE: 15.2, Growth: 3.4%)
$160.89
(+11%)
Bear:
(PE: 12.9, Growth: 3.4%)
$136.76
(-6%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (16x PE), but valuation improves significantly next year (15x PE) as earnings recover.
Trailing PE: 15.89 | Current EPS (TTM): $9.13
Bull Case
$167.49
(+15%)
Analyst growth 4.9%, PE expands to 17.5
Base Case
$152.26
(+5%)
Market implied 4.9%, PE stable at 15.9
Bear Case
$98.68
(-32%)
Severe decline -20.0%, PE contracts to 13.5
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Share & Embed Analysis
Last updated: August 04, 2026 3:44 AM ET
Data refreshes hourly during market hours. Next update: 4:44 AM
Data refreshes hourly during market hours. Next update: 4:44 AM
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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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