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Upturn AI SWOT - About
City Holding Company (CHCO)
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Upturn Advisory Summary
04/01/2025: CHCO (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 3.44% | Avg. Invested days 49 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.73B USD | Price to earnings Ratio 14.91 | 1Y Target Price 124.5 |
Price to earnings Ratio 14.91 | 1Y Target Price 124.5 | ||
Volume (30-day avg) 68908 | Beta 0.47 | 52 Weeks Range 95.05 - 136.36 | Updated Date 04/1/2025 |
52 Weeks Range 95.05 - 136.36 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 2.69% | Basic EPS (TTM) 7.88 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 40.14% | Operating Margin (TTM) 49.3% |
Management Effectiveness
Return on Assets (TTM) 1.86% | Return on Equity (TTM) 16.64% |
Valuation
Trailing PE 14.91 | Forward PE 16.42 | Enterprise Value 1967095936 | Price to Sales(TTM) 5.92 |
Enterprise Value 1967095936 | Price to Sales(TTM) 5.92 | ||
Enterprise Value to Revenue 6.57 | Enterprise Value to EBITDA - | Shares Outstanding 14715300 | Shares Floating 14385464 |
Shares Outstanding 14715300 | Shares Floating 14385464 | ||
Percent Insiders 4.13 | Percent Institutions 73.22 |
Analyst Ratings
Rating 3 | Target Price 127.33 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold 6 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
City Holding Company
Company Overview
History and Background
City Holding Company was founded in 1982. It has grown through acquisitions and organic expansion to become a leading regional bank in West Virginia, Kentucky, Ohio, and Virginia. The company focuses on providing community banking services.
Core Business Areas
- Commercial Banking: Offers commercial loans, lines of credit, treasury management, and other banking services to businesses.
- Retail Banking: Provides deposit accounts, residential mortgages, consumer loans, and other personal banking services to individuals and families.
- Wealth Management: Provides investment management, trust, and financial planning services to individuals and institutions.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other key executives. The organizational structure is designed to support regional banking operations with centralized support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Loans to businesses for working capital, equipment, and real estate. Market share data is proprietary, competes with larger national banks and regional players like PNC and Huntington.
- Competitors: PNC,Huntington,Fifth Third,BB&T (now Truist)
- Competitors: Wells Fargo,JPMorgan Chase,US Bank
- Residential Mortgages: Mortgages for home purchases and refinancing. Market share data is proprietary, competes with national mortgage lenders and local banks.
- Competitors: Chase,Bank of America,PNC
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is fragmented across various competitors.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges related to interest rate volatility, increasing regulatory scrutiny, and technological disruption. Regional banks are focused on maintaining customer relationships and providing personalized service.
Positioning
City Holding Company is positioned as a community-focused regional bank with a strong presence in its core markets. Its competitive advantage lies in its local expertise and customer relationships.
Total Addressable Market (TAM)
The TAM for banking services in City Holding Company's operating region is estimated to be in the billions of dollars. City Holding Company is positioned to capture a portion of this market through its branch network and digital banking channels.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Experienced management team
- Solid customer relationships
- Consistent profitability
Weaknesses
- Limited geographic diversification
- Reliance on net interest income
- Vulnerable to economic downturns in its core markets
- Smaller scale compared to larger national banks
Opportunities
- Expanding into adjacent markets
- Increasing digital banking adoption
- Acquiring smaller community banks
- Growing wealth management business
Threats
- Rising interest rates
- Increased competition from national banks and fintech companies
- Regulatory changes
- Economic recession
Competitors and Market Share
Key Competitors
- PNC (PNC)
- Huntington Bancshares (HBAN)
- Fifth Third Bancorp (FITB)
Competitive Landscape
City Holding Company faces competition from larger national banks and regional players. Its advantages include its local expertise, customer relationships, and community focus. Disadvantages stem from its smaller scale and limited geographic diversification.
Major Acquisitions
Genoa Bancorp, Inc.
- Year: 2022
- Acquisition Price (USD millions): 72.3
- Strategic Rationale: Expanding City Holding's presence into Northwest Ohio and strengthens the companyu2019s position as a leading community bank.
Growth Trajectory and Initiatives
Historical Growth: City Holding Company has grown through a combination of organic growth and acquisitions. Refer to financial statements for specific growth rates.
Future Projections: Analyst estimates project continued growth for City Holding Company, driven by its expansion efforts and strong performance in its core markets.
Recent Initiatives: Recent initiatives include expanding its digital banking platform, investing in new technologies, and pursuing strategic acquisitions.
Summary
City Holding Company is a well-managed regional bank with a strong presence in its core markets. Its consistent profitability and focus on customer relationships are working well. However, it faces challenges related to competition from larger banks and potential economic downturns. Expansion and technology investments will be key to future success.
Similar Companies
- HBAN
- WSBC
- FFBC
- OZK
- TCBI
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Company Investor Relations
- Analyst Reports
- FDIC Data
- Yahoo Finance
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market share estimates are approximate and may vary. Investment decisions should be based on individual risk tolerance and financial circumstances.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About City Holding Company
Exchange NASDAQ | Headquaters Charleston, WV, United States | ||
IPO Launch date 1993-02-19 | President, CEO & Director Mr. Charles R. Hageboeck | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 941 | Website https://www.bankatcity.com |
Full time employees 941 | Website https://www.bankatcity.com | ||
City Holding Company operates as a financial holding company for City National Bank of West Virginia that provides banking, trust and investment management, and other financial solutions in the United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. It also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of residence; first-priority home equity loans; home equity lines of credit; amortized home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts, as well as owner-occupied real estate and construction, land development, and lines of credit. In addition, the company offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government-insured mortgages, secondary marketing, and mortgage servicing. Further, it provides treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. The company was founded in 1957 and is headquartered in Charleston, West Virginia.
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