Should I Buy CHCO? CHCO 2026 Analysis

Should You Buy City Holding Co (CHCO) Today? Analysis, Price Targets, and 2026 Outlook.

Conclusion

Hold

Latest Price

127.840

1 Day change

0.32%

52 Week Range

133.590

Analysis Updated At

2026/02/04

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Not a good buy right now for an impatient buyer: upside looks limited versus nearby resistance and analyst targets.
Price is near the top of its near-term range (R1 ~126.15, R2 ~127.93) with RSI(6) ~68.4, so the risk/reward for an immediate entry is not attractive.
Options positioning skews cautious (OI put/call > 1), and the pattern-based probability set suggests mildly negative week/month drift.
Intellectia Proprietary Trading Signals
- AI Stock Picker: no signal on given stock today.
- SwingMax: No signal on given stock recently.

Technical Analysis

Trend: Bullish structure with moving averages stacked positively (SMA_5 > SMA_20 > SMA_200), supporting an uptrend.
Momentum: MACD histogram +0.289 and expanding → bullish momentum remains.
RSI: RSI_6 68.396 → nearing overbought; upside may be slower/less clean from here.
Key levels: Pivot 123.265 (important near-term support); Resistance 126.147 (R1) then 127.928 (R2); Support 120.383 (S1).
Near-term statistical drift (pattern-based): ~-0.98% next week and -3.21% next month bias, which argues against chasing at pre-market highs.

Options Data

Bearish

Open Interest Put-Call Ratio

Bullish

Option Volume Put-Call Ratio

Open Interest: Calls OI 32 vs Puts OI 39 → OI put/call = 1.22 (slightly bearish/defensive positioning).
Volume: Very thin (total volume 1, put volume 1, call volume 0) → today’s options flow is not informative.
Volatility: 30D IV 26.78 vs HV 22.68 → options priced with a modest premium; IV percentile 57.43 (mid-range).

Technical Summary

Sell

Buy

Positive Catalysts

- Fundamentals trending up: 2025/Q4 revenue, net income, and EPS all grew double-digits YoY.
- Loan growth improved per latest analyst note, supporting a better growth trajectory if sustained.
- Technical trend remains bullish (MA stack + positive MACD), so a breakout above 126–128 is possible if buyers step in.

Neutral/Negative Catalysts

- Net interest margin (NIM) slid unexpectedly (per Piper Sandler), a key profitability headwind for banks.
- Valuation/positioning: Shares viewed as fairly valued by the covering analyst (Neutral), limiting catalyst-driven upside.
- Options OI put/call > 1 suggests a more defensive lean.
- No supportive news flow in the past week to provide an immediate event-driven catalyst.
- No recent congress trading data and no notable hedge/insider trend signals to reinforce conviction.

Financial Performance

Latest quarter: 2025/Q4
Revenue: $79.36M, +11.83% YoY (solid top-line growth).
Net income: $31.275M, +10.09% YoY (profit growth tracking revenue).
EPS: $2.18, +12.37% YoY (earnings growth slightly outpacing revenue).
Overall read: fundamentals are healthy, but bank-specific margin sensitivity (NIM) remains the main swing factor.

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

Recent stance: Piper Sandler maintains Neutral; price target raised $125 → $130 (2026-01-23) after earlier initiating/assuming coverage Neutral at $125 (2025-12-03).
Implication vs current pre-market price (~125.53): PT $130 leaves only ~3–4% upside, consistent with a “fairly valued” view.
Wall Street pros: strong returns/capital return profile; improving loan growth.
Wall Street cons: unexpected NIM pressure; recent PPNR/EPS miss vs expectations; valuation already at a premium multiple of TBV (per analyst commentary).

2 Analyst Rating

Wall Street analysts forecast CHCO stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for CHCO is 130 USD with a low forecast of 125 USD and a high forecast of 135 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

0 Buy

2 Hold

0 Sell

Hold

Current: 127.430

Low

125

Averages

130

High

135

Current: 127.430

Low

125

Averages

130

High

135

Piper Sandler

Neutral

maintain

$125 -> $130

AI Analysis

2026-01-23

Reason

Piper Sandler

Price Target

$125 -> $130

AI Analysis

2026-01-23

maintain

Neutral

Reason

Piper Sandler raised the firm's price target on City Holding to $130 from $125 and keeps a Neutral rating on the shares. The firm notes the company saw its net interest margin slide unexpectedly lower for the first time in a year and for PPNR and EPS to miss expectations. More positively, loan growth picked up significantly to positive 8.5% LQA that may point to a higher growth trajectory. Piper views shares as fairly valued at a premium 2.8 times TBV given strong returns and a solid capital return profile.

Piper Sandler

Neutral

initiated

$125

2025-12-03

Reason

Piper Sandler

Price Target

$125

2025-12-03

initiated

Neutral

Reason

Piper Sandler assumed coverage of City Holding with a Neutral rating and $125 price target. Piper assumed coverage of six regional banks based in the Mid-Atlantic portion of its Northeast coverage region.

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CHCO Should I Buy

CHCO Should I Buy

Should You Buy City Holding Co (CHCO) Today? Analysis, Price Targets, and 2026 Outlook.

Technical Analysis

Options Data

Technical Summary

Positive Catalysts

Neutral/Negative Catalysts

Financial Performance

Growth

Profitability

Efficiency

Analyst Ratings and Price Target Trends

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