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City Holding Company  (NASDAQ: CHCO)
Other Ticker:  
 
    Sector  Financial    Industry Commercial Banks
   Industry Commercial Banks
   Sector  Financial
 
Price: $116.0900 $0.41 0.354%
Day's High: $117.12 Week Perf: -2.21 %
Day's Low: $ 115.57 30 Day Perf: -5.94 %
Volume (M): 56 52 Wk High: $ 137.28
Volume (M$): $ 6,478 52 Wk Avg: $118.18
Open: $115.57 52 Wk Low: $102.22



 Market Capitalization (Millions $) 1,710
 Shares Outstanding (Millions) 15
 Employees 973
 Revenues (TTM) (Millions $) 294
 Net Income (TTM) (Millions $) 118
 Cash Flow (TTM) (Millions $) 66
 Capital Exp. (TTM) (Millions $) 2

City Holding Company

City Holding Company is a financial holding company headquartered in Charleston, West Virginia. The Company conducts its principal activities through its wholly-owned subsidiary, City National Bank of West Virginia (“City National”). City National provides banking, trust and investment management and other financial solutions through its network of 85 banking offices located in the states of West Virginia, Virginia, eastern Kentucky and southeastern Ohio. The Company’s business activities are currently limited to one reportable business segment, which is community banking.

Commercial Banking - City National offers a full range of commercial banking services to corporations and other business customers. Loans are provided for a variety of business purposes, including financing for commercial and industrial projects, income producing commercial real estate, owner-occupied real estate and construction and land development. City National also provides deposit services for commercial customers, including treasury management, lockbox and other cash management services. City National provides merchant credit card services through an agreement with a third party vendor.

Consumer Banking - City National provides banking services to consumers, including checking, savings and money market accounts as well as certificates of deposit and individual retirement accounts. In addition, City National provides consumers with installment and real estate loans and lines of credit. City National also offers credit cards through an agreement with a third party vendor.

Mortgage Banking - City National provides mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, production of conventional and government insured mortgages, secondary marketing and mortgage servicing.

Wealth Management and Trust Services - City National offers specialized services and expertise in the areas of wealth management, trust, investment and custodial services for commercial and individual customers. These services include the administration of personal trusts and estates as well as the management of investment accounts for individuals, employee benefit plans and charitable foundations. City National also provides corporate trust and institutional custody, financial and estate planning and retirement plan services.

The commercial and industrial loan portfolio consists of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies. Commercial and industrial loans are considered to contain a higher level of risk than other loan types although care is taken to minimize these risks. Numerous risk factors impact this portfolio including industry specific risks such as economy, new technology, labor rates and cyclicality, as well as customer specific factors, such as cash flow, financial structure, operating controls and asset quality.


Commercial real estate loans consist of commercial mortgages, which generally are secured by nonresidential and multi-family residential properties. Commercial real estate loans are to many of the same customers and carry similar industry risks as the commercial and industrial loans.

City National diversifies risk within the commercial and industrial and commercial real estate portfolios by closely monitoring industry concentrations and portfolios to ensure that it does not exceed established lending guidelines. Diversification is intended to limit the risk of loss from any single unexpected economic event or trend. Underwriting standards require a comprehensive credit analysis and independent evaluation of all larger balance commercial loans by the loan committee prior to approval.

City National categorizes commercial loans by industry according to the North American Industry Classification System (NAICS) to monitor the portfolio for possible concentrations in one or more industries.

Residential real estate loans represent loans to consumers that are secured by a first lien on residential property. Residential real estate loans provide for the purchase or refinance of a residence and first-lien home equity loans that allow consumers to borrower against the equity in their home. These loans primarily consist of single family 3 and 5 year adjustable rate mortgages with terms that amortize up to 30 years. City National also offers fixed-rate residential real estate loans that are sold in the secondary market that are not included on City Nationals balance sheet and City National does not retain the servicing rights to these loans. Residential mortgage loans are generally underwritten to comply with Fannie Mae guidelines, while the home equity loans are underwritten with typically less documentation, but with lower loan-to-value ratios and shorter maturities.

City Nationals home equity loans represent loans to consumers that are secured by a second (or junior) lien on a residential property. Home equity loans allow consumers to borrower against the equity in their home without paying off an existing first lien. These loans consist of home equity lines of credit ("HELOC") and amortized home equity loans that require monthly installment payments. Home equity loans are underwritten with less documentation, lower loan-to-value ratios and for shorter terms. The amount of credit extended is directly related to the value of the real estate at the time the loan is made.

Consumer loans may be secured by automobiles, boats, recreational vehicles, certificates of deposit and other personal property or they may be unsecured. The Company monitors the risk associated with these types of loans by monitoring such factors as portfolio growth, lending policies and economic conditions. Underwriting standards are continually evaluated and modified based upon these factors.




   Company Address: 25 Gatewater Road, Charleston, 25313 WV
   Company Phone Number: 769-1100   Stock Exchange / Ticker: NASDAQ CHCO


Customers Net Income fell by CHCO's Customers Net Profit Margin fell to

-36.3 %

10.95 %

• Customers Performance • Customers Expend. • Customers Efficiency • List of Customers


   

Stock Performances by Major Competitors

5 Days Decrease / Increase
     
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USB        0.7% 
WFC        4.2% 
• View Complete Report
   



City Holding Company

City Holding Company Sees Profits Soar by over 20% Amidst Revenue Growth in Q1 2024

City Holding Company (CHCO) reported positive financial results for the first quarter of 2024, indicating a strong start to the year. The company's earnings per share (EPS) increased by 20.86% to $1.97 compared to $1.63 a year ago. Additionally, its income improved by 6.98% from the preceding reporting period to $1.84 per share.
The revenue for CHCO also saw moderate growth, with a 4.813% increase to $72.56 million from $69.22 million in the same period last year. Sequentially, the revenue grew by 4.845% from $69.20 million. These figures demonstrate a positive correlation between CHCO's revenue improvement and its Commercial Banks industry peers, who reported an overall 1.59% top-line growth during the same period.

City Holding Company

City Holding Company Faces Profitability Challenges with -11.45% EPS Decline

City Holding Company (NASDAQ: CHCO) recently announced disappointing results for the October to December 31, 2023 span, which has garnered attention in the financial sector. The company's earnings per share (EPS) deteriorated by -11.45% to $1.84 from $2.08, while revenue decreased by -1.254% to $69.20 million year on year. These figures are a cause for concern, as net profit per share also decreased from $1.98 per share in the previous quarter, and revenue declined by -4.974% from $72.82 million.
In addition, the net profits of $27.452 million in the October to December 31, 2023 span fell by -10.5% from $30.672 million in the corresponding period a year before. This downward trend is worrisome for City Holding Company's profitability. The operating margin has mitigated to 49.27%, and the net margin has shrunk to 39.67%. The company's operating earnings fell -9.08% to $34.093 million, squeezing the operating margin to 49.27%, compared to 53.5% in the fourth quarter of 2022.

Management Changes

City Holding Company Appoints James M. Parsons to Board, Demonstrating Commitment to Shareholders Despite Decreased ROI

Published Wed, Jan 31 2024 8:59 PM UTC


Charleston, WV - City Holding Company (NASDAQ: CHCO) has recently announced the appointment of James M. Parsons to its Board of Directors. Parsons will fill the vacancy left by Thomas L. Burnette, who chose not to stand for re-election at the company s 2023 Annual Meeting of Shareholders. This addition increases the number of directors from 12 to 13. Parsons appointmen...

Stock Transactions

City Holding Company's Strategic Moves Bolster Shareholder Confidence: Approves Stock Repurchase Plan and Increases Dividend

Published Wed, Jan 31 2024 8:49 PM UTC

City Holding Company Announces Approval of Stock Repurchase Plan Demonstrating Commitment to Shareholders
CHARLESTON, W.V. City Holding Company, a leading bank holding company with a market capitalization of $6.2 billion, announced today that its board has authorized the repurchase of up to 1,000,000 of its common shares in open market transactions. Accounting for approx...

City Holding Company

City Holding Company Beats Industry Peers with Strong Revenue Growth in Q3 2023

City Holding Company (CHCO) has reported positive improvements in both its bottom and top lines for the third quarter of the 2023 earnings season. The company's revenue reached $72.82 million, marking a 9.847% increase year on year. However, it experienced a 3.388% decrease quarter on quarter.
Despite the decline in quarterly revenue, CHCO's income per share rose by 8.2% to $1.98. On the other hand, net profit per share experienced a decrease of -8.33% sequentially. Compared to its industry peers in the commercial banks sector, CHCO showed greater business growth in the third quarter of 2023. Most entities in the commercial banks industry achieved an average business improvement of 8.34% relative to the same quarter in 2022.







City Holding's Segments





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