City (CHCO)
Market Price (3/7/2026): $118.03 | Market Cap: $1.7 BilSector: Financials | Industry: Regional Banks
City (CHCO)
Market Price (3/7/2026): $118.03Market Cap: $1.7 BilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, Dividend Yield is 2.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.3%, FCF Yield is 7.6% | Weak multi-year price returns2Y Excs Rtn is -7.0%, 3Y Excs Rtn is -39% | Key risksCHCO key risks include [1] significant credit exposure from its high concentration of loans in cyclical industries and commercial real estate, Show more. |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -49% | Meaningful short interestShort Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 11.51 | |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 43%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 42% | ||
| Low stock price volatilityVol 12M is 21% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 10%, Dividend Yield is 2.8%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 6.3%, FCF Yield is 7.6% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -49% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 43%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 42% |
| Low stock price volatilityVol 12M is 21% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. |
| Weak multi-year price returns2Y Excs Rtn is -7.0%, 3Y Excs Rtn is -39% |
| Meaningful short interestShort Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 11.51 |
| Key risksCHCO key risks include [1] significant credit exposure from its high concentration of loans in cyclical industries and commercial real estate, Show more. |
Qualitative Assessment
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City (CHCO) stock has remained largely at the same level since 11/30/2025 because of the following key factors:
1. City (CHCO) reported a miss on both EPS and revenue for its fourth quarter of 2025. The company announced Q4 2025 earnings on January 21, 2026, with an EPS of $2.18, falling short of analysts' consensus estimates of $2.29 by $0.11. Quarterly revenue was also below expectations at $60.83 million, compared to the consensus estimate of $81.38 million. This underperformance against analyst expectations could have acted as a downward pressure, counteracting other positive factors and contributing to the stock's flat movement.
2. Analysts maintained a predominantly "Hold" consensus rating with stable price targets. Despite the earnings miss, the overall sentiment from analysts remained neutral. Six research firms covering CHCO assigned a consensus recommendation of "Hold," with five analysts rating the stock a "Hold" and one a "Buy." The average 12-month price target among these brokerages was $134.50, implying a potential upside of 12.11% from the price as of February 28, 2026. For instance, Piper Sandler raised its price target from $125.00 to $130.00 while maintaining a "neutral" rating on January 23, 2026. This mixed but stable outlook from analysts likely contributed to the stock not experiencing significant upward or downward swings.
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1. City (CHCO) reported a miss on both EPS and revenue for its fourth quarter of 2025. The company announced Q4 2025 earnings on January 21, 2026, with an EPS of $2.18, falling short of analysts' consensus estimates of $2.29 by $0.11. Quarterly revenue was also below expectations at $60.83 million, compared to the consensus estimate of $81.38 million. This underperformance against analyst expectations could have acted as a downward pressure, counteracting other positive factors and contributing to the stock's flat movement.
2. Analysts maintained a predominantly "Hold" consensus rating with stable price targets. Despite the earnings miss, the overall sentiment from analysts remained neutral. Six research firms covering CHCO assigned a consensus recommendation of "Hold," with five analysts rating the stock a "Hold" and one a "Buy." The average 12-month price target among these brokerages was $134.50, implying a potential upside of 12.11% from the price as of February 28, 2026. For instance, Piper Sandler raised its price target from $125.00 to $130.00 while maintaining a "neutral" rating on January 23, 2026. This mixed but stable outlook from analysts likely contributed to the stock not experiencing significant upward or downward swings.
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Stock Movement Drivers
Fundamental Drivers
The -2.0% change in CHCO stock from 11/30/2025 to 3/6/2026 was primarily driven by a -4.9% change in the company's P/E Multiple.| (LTM values as of) | 11302025 | 3062026 | Change |
|---|---|---|---|
| Stock Price ($) | 120.45 | 117.99 | -2.0% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 297 | 305 | 2.7% |
| Net Income Margin (%) | 42.9% | 42.8% | -0.4% |
| P/E Multiple | 13.7 | 13.0 | -4.9% |
| Shares Outstanding (Mil) | 14 | 14 | 0.7% |
| Cumulative Contribution | -2.0% |
Market Drivers
11/30/2025 to 3/6/2026| Return | Correlation | |
|---|---|---|
| CHCO | -2.0% | |
| Market (SPY) | -1.6% | 25.6% |
| Sector (XLF) | -5.2% | 55.6% |
Fundamental Drivers
The -6.9% change in CHCO stock from 8/31/2025 to 3/6/2026 was primarily driven by a -13.4% change in the company's P/E Multiple.| (LTM values as of) | 8312025 | 3062026 | Change |
|---|---|---|---|
| Stock Price ($) | 126.67 | 117.99 | -6.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 292 | 305 | 4.6% |
| Net Income Margin (%) | 41.9% | 42.8% | 2.1% |
| P/E Multiple | 15.0 | 13.0 | -13.4% |
| Shares Outstanding (Mil) | 14 | 14 | 0.7% |
| Cumulative Contribution | -6.9% |
Market Drivers
8/31/2025 to 3/6/2026| Return | Correlation | |
|---|---|---|
| CHCO | -6.9% | |
| Market (SPY) | 4.5% | 25.0% |
| Sector (XLF) | -6.0% | 53.0% |
Fundamental Drivers
The 1.9% change in CHCO stock from 2/28/2025 to 3/6/2026 was primarily driven by a 7.1% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 2282025 | 3062026 | Change |
|---|---|---|---|
| Stock Price ($) | 115.75 | 117.99 | 1.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 285 | 305 | 7.1% |
| Net Income Margin (%) | 41.1% | 42.8% | 4.1% |
| P/E Multiple | 14.5 | 13.0 | -10.2% |
| Shares Outstanding (Mil) | 15 | 14 | 1.9% |
| Cumulative Contribution | 1.9% |
Market Drivers
2/28/2025 to 3/6/2026| Return | Correlation | |
|---|---|---|
| CHCO | 1.9% | |
| Market (SPY) | 14.2% | 44.1% |
| Sector (XLF) | -2.1% | 57.1% |
Fundamental Drivers
The 30.6% change in CHCO stock from 2/28/2023 to 3/6/2026 was primarily driven by a 24.0% change in the company's Total Revenues ($ Mil).| (LTM values as of) | 2282023 | 3062026 | Change |
|---|---|---|---|
| Stock Price ($) | 90.34 | 117.99 | 30.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 246 | 305 | 24.0% |
| Net Income Margin (%) | 41.5% | 42.8% | 3.1% |
| P/E Multiple | 13.1 | 13.0 | -0.6% |
| Shares Outstanding (Mil) | 15 | 14 | 2.7% |
| Cumulative Contribution | 30.6% |
Market Drivers
2/28/2023 to 3/6/2026| Return | Correlation | |
|---|---|---|
| CHCO | 30.6% | |
| Market (SPY) | 76.0% | 40.8% |
| Sector (XLF) | 48.0% | 60.5% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| CHCO Return | 21% | 17% | 22% | 10% | 3% | 1% | 100% |
| Peers Return | 27% | 4% | 5% | 10% | 5% | 6% | 72% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -0% | 82% |
Monthly Win Rates [3] | |||||||
| CHCO Win Rate | 75% | 42% | 67% | 42% | 58% | 33% | |
| Peers Win Rate | 68% | 47% | 53% | 48% | 55% | 53% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 33% | |
Max Drawdowns [4] | |||||||
| CHCO Max Drawdown | -1% | -9% | -9% | -10% | -7% | 0% | |
| Peers Max Drawdown | -2% | -13% | -27% | -16% | -15% | -0% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: UBSI, WSBC, CTBI, PEBO, FCF.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 3/6/2026 (YTD)
How Low Can It Go
| Event | CHCO | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -18.0% | -25.4% |
| % Gain to Breakeven | 22.0% | 34.1% |
| Time to Breakeven | 214 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -32.7% | -33.9% |
| % Gain to Breakeven | 48.7% | 51.3% |
| Time to Breakeven | 297 days | 148 days |
| 2018 Correction | ||
| % Loss | -19.8% | -19.8% |
| % Gain to Breakeven | 24.8% | 24.7% |
| Time to Breakeven | 805 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -55.8% | -56.8% |
| % Gain to Breakeven | 126.4% | 131.3% |
| Time to Breakeven | 1,718 days | 1,480 days |
Compare to UBSI, WSBC, CTBI, PEBO, FCF
In The Past
City's stock fell -18.0% during the 2022 Inflation Shock from a high on 10/24/2022. A -18.0% loss requires a 22.0% gain to breakeven.
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About City (CHCO)
City Holding Company operates as a holding company for City National Bank of West Virginia that provides various 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; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts. 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 deposit services for commercial customers comprising 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 operates through a network of 94 branches and 905 full-time equivalent associates in West Virginia, Virginia, Kentucky, and Ohio. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.
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Here are a few analogies for City (CHCO):
- A regional version of Bank of America.
- Like a smaller-scale Wells Fargo.
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- Retail Banking: Provides checking and savings accounts, loans (mortgages, auto, personal), and other basic financial services to individual consumers.
- Commercial Banking: Offers deposit accounts, commercial real estate loans, lines of credit, and other financial solutions for businesses.
- Wealth Management & Trust Services: Delivers investment management, financial planning, and trust administration for individuals and institutions.
- Brokerage Services: Facilitates buying and selling of securities and provides investment advisory services.
AI Analysis | Feedback
```htmlCity Holding Company (symbol: CHCO) is a financial holding company that operates City National Bank. As a bank, it sells its financial products and services primarily to a broad base of individuals, businesses, and governmental entities rather than having a few major corporate customers.
The company serves the following categories of customers:
- Individuals: This category includes consumers who utilize a wide range of personal banking services such as checking and savings accounts, certificates of deposit, mortgages, home equity loans, personal loans, debit and credit cards, and wealth management services.
- Businesses: City National Bank serves small to medium-sized businesses, offering commercial loans, lines of credit, treasury management services, business checking and savings accounts, merchant services, and other financial solutions tailored to corporate needs.
- Governmental Entities: The bank provides banking services to various state and local governmental agencies and municipalities, including public funds management, treasury services, and lending solutions.
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Charles R. Hageboeck, President and Chief Executive Officer
Charles R. Hageboeck has served as the Chief Executive Officer of City Holding Company since February 2005. He initially joined City Holding Company as Chief Financial Officer in 2001. Prior to his tenure at City Holding, Mr. Hageboeck was the Chief Financial Officer of Peoples Bank in Indianapolis, which was subsequently sold to Fifth Third Bank in 1999. He began his banking career as a financial analyst at Indiana National Bank and rose to head the bank's Asset/Liability Management Committee. Mr. Hageboeck holds a doctorate in Economics from Indiana University and a Bachelor of Science in Economics from Butler University.
David L. Bumgarner, Chief Financial Officer and Executive Vice President
David L. Bumgarner has been the Chief Financial Officer and Executive Vice President of City Holding Company since April 2019. Before joining City Holding, he worked as a Senior Manager of Audit at Arnett & Foster, P.L.L.C. from 2000 to 2005.
Jeffrey D. Legge, Executive Vice President, Chief Administrative Officer and Chief Information Officer
Jeffrey D. Legge has held the position of Chief Information Officer and Executive Vice President of City Holding Company since 2019. He also serves as the Chief Administrative Officer.
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Key Risks to City Holding Company (CHCO)
- Exposure to Loan Portfolio Weaknesses and Credit Risk: City Holding Company faces significant risk due to its loan portfolio's exposure to cyclical industries, such as hospitality, and a high concentration in commercial and industrial, and commercial real estate loans. An economic downturn could lead to increased credit losses and potential defaults, especially if the company's allowance for loan losses proves to be insufficient.
- Interest Rate Risk: The company's financial performance is highly sensitive to changes in interest rates. Significant fluctuations in interest rates, particularly those initiated by the Federal Reserve, can adversely affect the fair value of its investment securities portfolio, the interest paid on borrowings, and the interest earned on its loan portfolio and deposits. A decline in interest rates could also lead to capital depreciation.
- Regulatory and Compliance Risks: As a financial holding company, CHCO relies on dividends from its subsidiaries, which are subject to extensive state and federal regulations. These regulations include restrictions on dividend payments and mandates for maintaining minimum capital levels. Changes in these regulatory frameworks or non-compliance could materially and adversely affect the company's business, financial condition, and results of operations.
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The increasing market penetration and technological advancements of financial technology (fintech) companies and digital-first banks (neobanks), which offer alternative banking services with often superior digital experiences and lower operating costs, directly challenging the traditional branch-based community banking model.
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City Holding Company (CHCO) operates as a financial holding company for City National Bank of West Virginia, offering a range of banking, trust and investment management, and other financial solutions in the United States.
The addressable markets for their main products and services in the U.S. are as follows:
- Community Banking: The U.S. community banking market reached a valuation of approximately $6.35 billion in 2024.
- Residential Mortgage Originations: The U.S. market for residential mortgage originations was $1.69 trillion in 2024.
- Outstanding Residential Mortgage Balances: Americans collectively owe $12.94 trillion on mortgages.
- Commercial Real Estate Lending Originations: Total commercial real estate mortgage borrowing and lending in the U.S. was estimated at $498 billion in 2024.
- Outstanding Commercial Real Estate Mortgage Debt: Total commercial and multifamily mortgage debt outstanding in the U.S. increased to $4.79 trillion in Q4 2024.
- Commercial Lending: The North American commercial lending market had a value of approximately $985.6 billion in 2023.
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Here are 3-5 expected drivers of future revenue growth for City Holding (CHCO) over the next 2-3 years:
- Continued Loan Growth: City Holding has demonstrated strong loan growth, which has been a primary driver of net interest income. For example, in Q3 2025, record quarterly net income was driven by strong loan growth and higher net interest income. The company's strategy includes cultivating strong customer relationships to ensure a steady inflow of deposits, which enables it to fund a robust loan portfolio spanning personal, mortgage, and commercial loans.
- Optimized Net Interest Margin (NIM): Improvements in net interest margin have consistently contributed to revenue growth for City Holding. In Q3 2025, the net interest margin improved to 4.04% from 3.95% in the previous quarter, reflecting enhanced profitability from interest-earning assets. The company's ability to effectively manage the difference between interest earned on loans and interest paid on deposits is crucial for its net interest income, which makes up a significant portion of its total revenue.
- Growth in Fee-Based Services: Beyond traditional lending, City Holding generates substantial revenue from diverse fee-based services. These include banking, credit, wealth management, and trading operations, as well as insurance services and transaction processing. For example, in Q2 2025, non-interest income saw an increase in service fees and wealth and investment management fee income. Expanding the customer base and enhancing these offerings could further drive non-interest income growth.
- Strategic Acquisitions and Market Expansion: City Holding has a history of strengthening its market presence through acquisitions. The acquisition of Citizens Commerce Bancshares in March 2023 allowed City to expand its presence in the Lexington, KY MSA and offer enhanced products and services to new customers. While specific future acquisitions are not detailed, continued strategic inorganic growth could be a driver for expanding its customer base and geographical footprint across West Virginia, Kentucky, Virginia, and Ohio.
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Share Repurchases
- On January 31, 2024, City Holding Company's board authorized the repurchase of up to 1,000,000 common shares (approximately 7% of outstanding shares) with no expiry date, superseding the May 25, 2022 plan.
- Through January 31, 2024, the company repurchased 849,681 shares under the May 2022 plan.
- As of September 30, 2025, 434,023 shares have been repurchased for $46.79 million under the February 1, 2024 buyback plan. In the first quarter of 2025 (through March 31, 2025), 80,600 shares were repurchased at a weighted average price of $117.42 per share.
- During the six months ended June 30, 2022, City Holding Company repurchased 3,887,191 shares of Class A common stock for $184.4 million, which included 967,600 shares from Searchlight for $43.1 million.
Share Issuance
- City Holding Company has seen a net decrease in outstanding shares over the last few years, indicating that share repurchases have outpaced any new issuances. Outstanding shares decreased from 15.12 million in 2021 to 14.49 million by September 9, 2025.
- No significant share issuances for capital raising purposes were identified in the period.
Inbound Investments
- No significant inbound investments by third parties into City Holding Company were identified during the last 3-5 years.
Outbound Investments
- On March 13, 2023, City Holding Company completed the acquisition of Citizens Commerce Bancshares, the parent company of Citizens Commerce Bank, for approximately $62.1 million. This was a stock transaction.
Capital Expenditures
- City Holding Company reported quarterly capital expenditures of $388,000 for June 2025.
- Depreciation expense, which can serve as an approximation for maintenance capital expenditures, was $5.8 million in both 2021 and 2020.
Latest Trefis Analyses
| Title | Date | |
|---|---|---|
| DASHBOARDS | ||
| Is City Stock Built to Withstand a Pullback? | 10/17/2025 | |
| Why City Stock Moved: CHCO Stock Has Gained 71% Since 2021 Fiscal End, Primarily Due To Favorable Change In Revenues | 08/08/2025 | |
| City (CHCO) Valuation Ratios Comparison | 08/08/2025 | |
| Time To Buy City Stock? | 05/16/2025 | |
| City (CHCO) Operating Cash Flow Comparison | 02/17/2025 | |
| City (CHCO) Net Income Comparison | 02/15/2025 |
| Title | |
|---|---|
| ARTICLES |
Trade Ideas
Select ideas related to CHCO.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 02282026 | NDAQ | Nasdaq | Insider | Insider Buys 45DStrong Insider BuyingCompanies with multiple insider buys in the last 45 days | 0.0% | 0.0% | 0.0% |
| 02272026 | JEF | Jefferies Financial | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 0.0% | 0.0% | 0.0% |
| 02272026 | PAYO | Payoneer Global | Dip Buy | DB | CFO/Rev | Low D/EDip Buy with High Cash Flow MarginsBuying dips for companies with significant cash flows from operations and reasonable debt / market cap | 0.0% | 0.0% | 0.0% |
| 02272026 | FOUR | Shift4 Payments | Dip Buy | DB | FCF Yield | Low D/EDip Buy with High Free Cash Flow YieldBuying dips for companies with significant free cash flow yield (FCF / Market Cap) and reasonable debt / market cap | 0.0% | 0.0% | 0.0% |
| 02202026 | COIN | Coinbase Global | Dip Buy | DB | CFO/Rev | Low D/EDip Buy with High Cash Flow MarginsBuying dips for companies with significant cash flows from operations and reasonable debt / market cap | 2.6% | 2.6% | -6.5% |
Research & Analysis
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 36.91 |
| Mkt Cap | 1.7 |
| Rev LTM | 480 |
| Op Inc LTM | - |
| FCF LTM | 130 |
| FCF 3Y Avg | 133 |
| CFO LTM | 142 |
| CFO 3Y Avg | 147 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 10.4% |
| Rev Chg 3Y Avg | 8.3% |
| Rev Chg Q | 13.0% |
| QoQ Delta Rev Chg LTM | 3.2% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 33.6% |
| CFO/Rev 3Y Avg | 35.4% |
| FCF/Rev LTM | 31.4% |
| FCF/Rev 3Y Avg | 33.0% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 1.7 |
| P/S | 3.8 |
| P/EBIT | - |
| P/E | 12.3 |
| P/CFO | 11.7 |
| Total Yield | 11.5% |
| Dividend Yield | 3.5% |
| FCF Yield 3Y Avg | 8.3% |
| D/E | 0.2 |
| Net D/E | -0.4 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -7.9% |
| 3M Rtn | 5.3% |
| 6M Rtn | 5.2% |
| 12M Rtn | 12.1% |
| 3Y Rtn | 27.7% |
| 1M Excs Rtn | -5.8% |
| 3M Excs Rtn | 6.7% |
| 6M Excs Rtn | 0.7% |
| 12M Excs Rtn | -3.9% |
| 3Y Excs Rtn | -50.4% |
Price Behavior
Price Behavior
| Market Price | $117.99 | |
| Market Cap ($ Bil) | 1.7 | |
| First Trading Date | 02/19/1993 | |
| Distance from 52W High | -10.4% | |
| 50 Days | 200 Days | |
| DMA Price | $123.02 | $121.53 |
| DMA Trend | up | indeterminate |
| Distance from DMA | -4.1% | -2.9% |
| 3M | 1YR | |
| Volatility | 18.9% | 21.3% |
| Downside Capture | 30.69 | 55.67 |
| Upside Capture | 16.25 | 50.73 |
| Correlation (SPY) | 23.3% | 44.5% |
CHCO Betas & Captures as of 2/28/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.34 | 0.53 | 0.39 | 0.40 | 0.49 | 0.66 |
| Up Beta | 0.17 | 1.11 | 0.97 | 0.80 | 0.47 | 0.73 |
| Down Beta | 0.42 | 0.76 | 0.61 | 0.63 | 0.48 | 0.51 |
| Up Capture | 37% | 16% | 12% | 7% | 36% | 37% |
| Bmk +ve Days | 9 | 20 | 31 | 70 | 142 | 431 |
| Stock +ve Days | 11 | 20 | 28 | 53 | 117 | 363 |
| Down Capture | 36% | 36% | 16% | 31% | 63% | 89% |
| Bmk -ve Days | 12 | 21 | 30 | 54 | 109 | 320 |
| Stock -ve Days | 10 | 21 | 33 | 71 | 134 | 388 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CHCO | |
|---|---|---|---|---|
| CHCO | 5.7% | 21.2% | 0.17 | - |
| Sector ETF (XLF) | 1.8% | 19.4% | -0.03 | 56.9% |
| Equity (SPY) | 16.4% | 19.2% | 0.66 | 44.7% |
| Gold (GLD) | 77.1% | 26.1% | 2.17 | -6.3% |
| Commodities (DBC) | 19.6% | 17.1% | 0.89 | 10.0% |
| Real Estate (VNQ) | 3.1% | 16.6% | 0.01 | 47.5% |
| Bitcoin (BTCUSD) | -21.4% | 45.5% | -0.39 | 21.8% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CHCO | |
|---|---|---|---|---|
| CHCO | 11.9% | 23.6% | 0.45 | - |
| Sector ETF (XLF) | 10.5% | 18.7% | 0.44 | 59.0% |
| Equity (SPY) | 13.0% | 17.0% | 0.60 | 39.9% |
| Gold (GLD) | 24.2% | 17.2% | 1.14 | -2.9% |
| Commodities (DBC) | 11.9% | 19.0% | 0.51 | 6.6% |
| Real Estate (VNQ) | 5.0% | 18.8% | 0.17 | 40.2% |
| Bitcoin (BTCUSD) | 7.5% | 56.8% | 0.35 | 15.5% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CHCO | |
|---|---|---|---|---|
| CHCO | 13.5% | 26.7% | 0.51 | - |
| Sector ETF (XLF) | 13.4% | 22.2% | 0.56 | 69.2% |
| Equity (SPY) | 15.0% | 17.9% | 0.72 | 51.5% |
| Gold (GLD) | 15.1% | 15.6% | 0.80 | -9.1% |
| Commodities (DBC) | 9.0% | 17.6% | 0.43 | 15.2% |
| Real Estate (VNQ) | 6.1% | 20.7% | 0.26 | 46.0% |
| Bitcoin (BTCUSD) | 66.7% | 66.8% | 1.06 | 12.7% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Returns Analyses
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 1/21/2026 | 2.1% | -0.9% | 2.4% |
| 10/22/2025 | 1.8% | -0.4% | -1.2% |
| 7/22/2025 | 3.8% | 2.1% | -0.5% |
| 4/23/2025 | 1.7% | 2.0% | 3.8% |
| 1/23/2025 | -0.1% | -0.5% | -1.4% |
| 10/24/2024 | 0.2% | 1.3% | 11.6% |
| 7/23/2024 | -1.2% | -1.4% | -6.7% |
| 4/23/2024 | 2.2% | -2.7% | -1.0% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 15 | 11 | 12 |
| # Negative | 9 | 13 | 12 |
| Median Positive | 2.1% | 2.1% | 4.8% |
| Median Negative | -1.2% | -2.0% | -1.4% |
| Max Positive | 4.8% | 7.6% | 11.6% |
| Max Negative | -4.0% | -8.3% | -7.0% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 12/31/2025 | 02/25/2026 | 10-K |
| 09/30/2025 | 11/05/2025 | 10-Q |
| 06/30/2025 | 08/06/2025 | 10-Q |
| 03/31/2025 | 05/07/2025 | 10-Q |
| 12/31/2024 | 02/26/2025 | 10-K |
| 09/30/2024 | 11/06/2024 | 10-Q |
| 06/30/2024 | 08/07/2024 | 10-Q |
| 03/31/2024 | 05/08/2024 | 10-Q |
| 12/31/2023 | 02/28/2024 | 10-K |
| 09/30/2023 | 11/03/2023 | 10-Q |
| 06/30/2023 | 08/03/2023 | 10-Q |
| 03/31/2023 | 05/05/2023 | 10-Q |
| 12/31/2022 | 02/22/2023 | 10-K |
| 09/30/2022 | 11/03/2022 | 10-Q |
| 06/30/2022 | 08/04/2022 | 10-Q |
| 03/31/2022 | 05/05/2022 | 10-Q |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Rowe, Sharon H | Direct | Sell | 11252025 | 122.00 | 600 | 73,200 | 1,306,742 | Form | |
| 2 | Hageboeck, Charles R | President & CEO | Direct | Sell | 11252025 | 120.68 | 2,017 | 243,413 | 6,077,350 | Form |
| 3 | Strong-Treister, Diane W | Direct | Buy | 10172025 | 117.23 | 128 | 15,005 | 407,609 | Form | |
| 4 | Reyes, Javier A | Direct | Buy | 10172025 | 117.23 | 105 | 12,309 | 212,421 | Form | |
| 5 | Fisher, Robert D | Direct | Buy | 10172025 | 117.23 | 183 | 21,453 | 5,394,845 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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