
City Hld (CHCO) Stock Forecast & Price Target
City Hld (CHCO) Analyst Ratings
Bulls say
City Holding Co exhibits a positive outlook due to a significant 24% increase in 2025 EPS estimates, driven by resilient net interest margins (NIM) and a robust growth in average earning assets (AEA) at 6%, surpassing expectations of 2%. The company's strategic focus on share repurchases further bolsters investor confidence, contributing to a premium valuation of 15.6 times projected EPS for 2026 and 3.1 times tangible book value per share. Additionally, City Holding's low and stable cost of deposits, combined with rising fee income—which constitutes 20% of total revenue—positions the company favorably in a volatile interest rate environment.
Bears say
City Holding Co is facing ongoing revenue risks primarily due to regulatory and political pressures, with a historical headwind tied to potential changes in the $10 billion asset threshold affecting its business model. Although the company reported a decrease in non-performing assets (NPAs) to 0.33% and an improvement in the allowance for credit losses (ACL) to 0.45%, the overall financial outlook remains tempered by these external uncertainties. Furthermore, the significant sensitivity of tangible book value (TBV) estimates—where a 5% change in TBV can correlate to a similar adjustment in valuation—highlights the volatility inherent in City Holding's stock under current conditions.
This aggregate rating is based on analysts' research of City Hld and is not a guaranteed prediction by Public.com or investment advice.
City Hld (CHCO) Analyst Forecast & Price Prediction
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