CHCO Stock Analysis: Buy, Sell, or Hold?
CHCO - City Holding Co
$122.00
1.52 (1.26%)
▲
5d:
+0.53%
30d:
+0.5%
90d:
+2.35%
HOLD
MODERATE Confidence
Analysis Updated: Apr 2, 2026 12:00 AM ET
Earnings: Apr 22, 2026
16d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: CHCO shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
📊 HOLD: CHCO shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$155.18
Based on 4.4% avg growth
INTRINSIC VALUE TODAY
$96.35
Trading above fair value
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 13.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CHCO is currently trading at $122.00, which is considered extended relative to its 30-day fair value range of $117.70 to $121.15. The stock's valuation (Forward PE: 13.0) is in line with its historical norms (13.4). Remarkably, the market is currently pricing in an annual earnings decline of 0.9% over the next few years. This pessimistic expectation contrasts with the company's recent 12.9% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, CHCO is showing sideways momentum. The price is approaching resistance at $122.23. 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 showing sideways momentum. The price is approaching resistance at $122.23. 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
Fair Price Range
$117.70 -
$121.15
Company Quality Score
58/100
(HOLD)
Options IV Signal
50th percentile
(NORMAL)
Volume Confirmation
HIGH
Confidence Score
59.6%
All Signals
- BEARISH: Price extended above range
- NEUTRAL: Options fairly priced (IV 50th percentile)
- BULLISH: Strong technical setup (60/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($131.00)
Fair Price Analysis
30-Day Fair Range
$117.70 -
$121.15
Current vs Fair Value
EXTENDED
Expected Move (7 Days)
±$4.83
(4.0%)
Support & Resistance Levels
Support Level
$116.58
Resistance Level
$122.23
Current Trend
Sideways
Technical data as of
Apr 2, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.03
Wall Street Target
$131.00
(+7.4%)
Revenue Growth (YoY)
10.8%
Earnings Growth (YoY)
12.9%
Profit Margin
41.3%
Valuation Discount vs History
-0.9% cheaper
PE vs Historical
13.0 vs 13.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.9%
(market-implied from PE analysis)
1-Year Target
$120.90
(-1%)
2-Year Target
$119.81
(-2%)
3-Year Target
$118.74
(-3%)
3-Yr Target (if PE normalizes)
(PE: 13→13)
$122.07
(+0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 20.6, Growth: 4.7%)
$221.11
(+81%)
Base:
(SPY PE: 13.0, Growth: 4.7%)
$140.11
(+15%)
Bear:
(PE: 11.1, Growth: 4.7%)
$119.09
(-2%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 13.10 | Current EPS (TTM): $8.93
Bull Case
$134.89
(+13%)
Analyst growth 4.8%, PE expands to 14.4
Base Case
$122.62
(+3%)
Market implied 4.8%, PE stable at 13.1
Bear Case
$79.55
(-33%)
Severe decline -20.0%, PE contracts to 11.1
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 13.0 to 13.4
Stabilization Target:
$125.42
(+2.8%)
PE Expansion Potential:
+2.8%
Share & Embed Analysis
Last updated: April 05, 2026 9:09 AM ET
Data refreshes hourly during market hours. Next update: 10:09 AM
Data refreshes hourly during market hours. Next update: 10:09 AM
🔥 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
2
Sells
+
Net
INSIDERS SELLING
Recent Transactions
James A Hoyer
BUY
106 shares
2026-03-09
Javier A Reyes
BUY
105 shares
2026-03-09
Robert D Fisher
BUY
213 shares
2026-03-09
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