CHCO Stock Analysis: Buy, Sell, or Hold?
CHCO - City Holding Co
$124.64
0.23 (0.18%)
▲
5d:
+2.65%
30d:
-1.59%
90d:
+2.59%
BUY
HIGH Confidence
Analysis Updated: May 22, 2026 12:00 AM ET
Earnings: Apr 28, 2026
0d
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Interactive Price Chart (1 Month)
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Bottom Line:
✅ BUY SIGNAL: CHCO shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
✅ BUY SIGNAL: CHCO shows strong fundamentals and good volume confirmation. Solid entry point despite fair pricing.
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 $124.64, which is considered fair relative to its 30-day fair value range of $122.19 to $125.78. The stock's valuation (Forward PE: 13.1) is in line with its historical norms (13.3). Remarkably, the market is currently pricing in an annual earnings decline of 0.5% over the next few years. This pessimistic expectation contrasts with the company's recent 6.8% 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 $125.07. 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. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, CHCO is showing sideways momentum. The price is approaching resistance at $125.07. 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. Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$122.19 -
$125.78
Company Quality Score
66/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
78.6%
All Signals
- NEUTRAL: Price in fair range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- NEUTRAL: Near Wall St target ($131.40)
Trading Range Analysis
30-Day Trading Range
$122.19 -
$125.78
Current vs Trading Range
FAIR
Support & Resistance Levels
Support Level
$119.71
Resistance Level
$125.07
Current Trend
Sideways
Technical data as of
May 22, 2026
Fundamental Context
Forward P/E (Next Year Est.)
13.12
Wall Street Target
$131.40
(+5.4%)
Revenue Growth (YoY)
5.5%
Earnings Growth (YoY)
6.8%
Profit Margin
41.3%
Valuation Discount vs History
-0.5% cheaper
PE vs Historical
13.1 vs 13.3
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-0.5%
(market-implied from PE analysis)
1-Year Target
$124.01
(-1%)
2-Year Target
$123.39
(-1%)
3-Year Target
$122.77
(-2%)
3-Yr Target (if PE normalizes)
(PE: 13→13)
$124.44
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.0, Growth: 4.9%)
$241.12
(+94%)
Base:
(SPY PE: 13.1, Growth: 4.9%)
$143.88
(+15%)
Bear:
(PE: 11.2, Growth: 4.9%)
$122.30
(-2%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (14x PE), but valuation improves significantly next year (13x PE) as earnings recover.
Trailing PE: 13.66 | Current EPS (TTM): $9.07
Bull Case
$142.70
(+15%)
Analyst growth 4.7%, PE expands to 15.0
Base Case
$129.73
(+4%)
Market implied 4.7%, PE stable at 13.7
Bear Case
$84.24
(-32%)
Severe decline -20.0%, PE contracts to 11.6
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 13.1 to 13.3
Stabilization Target:
$126.32
(+1.4%)
PE Expansion Potential:
+1.4%
Share & Embed Analysis
Last updated: May 22, 2026 7:55 PM ET
Data refreshes hourly during market hours. Next update: 8:55 PM
Data refreshes hourly during market hours. Next update: 8:55 PM
🔥 Top Stocks Breaking Out Now
| Ticker | Score | Recommendation | Change % |
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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
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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