What Is City Holding Company (CHCO) Worth in 2026?
According to the CirclFi Deep Alpha Valuation Engine, the balance of valuation evidence tilts cautious on City Holding Company at its current price of $133.98. The composite intrinsic value is estimated at $144.74 (+8.0% average return), with 7 models flagging overvaluation risk. The most optimistic model, ML-RIV, places fair value at $308.55 (+130.3%), while EPV — the most conservative — estimates $59.11 (-55.9%). This +186.2% gap reflects genuine analytical uncertainty about City Holding Company's intrinsic worth.
What Do the Models Say About CHCO?
12 of 13 models are currently active for CHCO. Of these, 3 models suggest upside while 9 models suggest overvaluation. The Bayesian DCF estimates CHCO's intrinsic value at $261.52, implying +95.2% upside from the current price. See which stocks rank higher →
How Does CHCO Rank in National Commercial Banks?
Among 90 National Commercial Banks stocks, CHCO ranks #8 by Quality of Company score. CirclFi's QOC score of 9.1/10 evaluates 32 fundamental signals. A score of 9.1 places CHCO in the top tier.
See all Most Undervalued National Commercial Banks Stocks →
Within the National Commercial Banks space, City Holding Company competes in an environment where cost-to-income ratio often separates market leaders from laggards. Understanding these industry-specific dynamics is essential context for interpreting our model outputs.
Is CHCO a Value Trap?
CirclFi's Value Trap algorithm assigns CHCO a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →
Multi-Model Methodology
12 of 13 models are active for City Holding Company. Broad coverage provides high confidence. Each model applies a fundamentally different valuation philosophy. See the complete methodology →
According to the CirclFi Quality of Company (QOC) framework, which evaluates 32 signals including margin stability, revenue growth trajectory, leverage, and free cash flow generation, City Holding Company is rated at 9.1/10. This elite-tier score ranks among the highest-quality businesses in our coverage universe.
The gap between the most bullish and bearish model spans +186.2% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →
Data Sources & Confidence
Every CHCO valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →
Across CHCO's 12 active models, average confidence is 48%. Lower confidence may reflect limited history or high volatility.
CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →
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