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West Virginia bank holding company providing retail and commercial banking, trust and investment services in Appalachia.
West Virginia bank holding company providing retail and commercial banking, trust and investment services in Appalachia.
Earns mostly from the gap between interest on loans and the low rates paid on deposits, with trust, service-charge and insurance fees as a smaller addition. It has expanded beyond West Virginia into neighbouring states through bank acquisitions.
Moat: narrow (distribution, switching costs). Dominant deposit franchise in West Virginia with limited large-bank competition.
Headquarters: Cross Lanes, West Virginia · Employees: 934
Size City (CHCO) is a United States Financials company (Major Banks) with a market value of $1.99B, the 1794th largest of 3,117 United States companies the cockpit tracks. Shares closed at $141.49 on 6 Nov 2026.
Performance Over six months the shares gained 15.0%, against +3.7% for the median peer and -1.1% for the United States market (cap-weighted) — 5th highest of 20 in its peer set.
Growth Revenue grew 2.7% over the last twelve months (peer median +5.6%); the operating margin is 50.4% (peer median 27.9%).
Valuation It trades at 2.55× book value against a peer median of 0.85× (most expensive of 21).
Price implies The share price implies a return on equity of about 13.9%; City delivers 16.4%, so the price asks less than the business earns today.
Short interest Short interest is 6.9% of the free float (15 Oct 2026).
Next results Next results expected around 26 Jan 2027 (exchange calendar; dates can move).
| TTM | FY2025 | FY2024 | FY2023 | FY2022 | |
|---|---|---|---|---|---|
| Revenue | $403M | $399M | $379M | $341M | $263M |
| Revenue growth | — | +5% | +11% | +30% | — |
| Net income | $130M | $129M | $116M | $113M | $101M |
| Free cash flow | $138M | $128M | $129M | $134M | $113M |
| Capital expenditure | $2.99M | $2.92M | $2.71M | $2.96M | $2.14M |
| Total debt | $517M | $518M | $476M | $435M | $291M |
The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.
| Company | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE |
|---|---|---|---|---|---|---|
| City CHCO | $1.99B | +15% | +3% | 16% | 2.55× | 13.9% |
| WesBanco WSBC | $3.70B | +13% | +17% | 9% | 0.96× | 8.2% |
| United Bankshares UBSI | $6.57B | +11% | +4% | 9% | 1.20× | 9.7% |
Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.
| Measure | CHCO | Peer median | Rank in peer set |
|---|---|---|---|
| 1-month return | +0.6% | -0.9% | 7th highest of 21 |
| 6-month return | +15.0% | +3.7% | 5th highest of 20 |
| Return on equity | 16.4% | 7.9% | 2nd highest of 21 |
| Price / book | 2.55× | 0.85× | most expensive of 21 |
| Trailing P/E | 15.4× | 10.4× | 4th most expensive of 20 |
| ROE the price implies | 13.9% | 7.2% | 3rd most demanding of 21 |
| ROE delivered | 16.4% | 8.0% | 2nd highest of 20 |
| Company | Market | Market cap | 6M return | Revenue growth | ROE | Price / book | Implied ROE | Delivered ROE |
|---|---|---|---|---|---|---|---|---|
| City CHCO | United States | $1.99B | +15% | +3% | 16% | 2.55× | 13.9% | 16.4% |
| SpareBank 1 Nord-Norge NONG.OL | Norway | $1.96B | +26% | -4% | 8% | 0.93× | 6.6% | 7.7% |
| Seven Bank 8410.T | Japan | $2.09B | +28% | +3% | 6% | 1.41× | 5.7% | 6.3% |
| Far Eastern International Bank 2845.TW | Taiwan | $1.88B | +4% | +5% | 7% | 0.87× | 3.2% | 7.4% |
| OFG Bancorp OFG | United States | $2.15B | +10% | +2% | 17% | 1.60× | 12.0% | 16.6% |
| Awa Bank 8388.T | Japan | $2.15B | +94% | +23% | 5% | 0.80× | 5.3% | 4.7% |
| Happen HAPN | United States | $1.84B | n/a | +26% | 14% | 1.16× | 14.5% | 13.8% |
| WaFd WAFD | United States | $2.18B | -17% | 0% | 8% | 0.81× | 8.1% | 8.5% |
| Bladex BLX | United States | $2.19B | -7% | +4% | 14% | 1.05× | 9.3% | 14.5% |
| Hyakujushi Bank 8386.T | Japan | $1.78B | +4% | +22% | 6% | 0.72× | 6.7% | 5.6% |
| FirstSun Capital Bancorp FSUN | United States | $1.77B | +5% | +45% | 4% | 0.98× | 6.3% | 4.2% |
| iM Financial 139130.KS | South Korea | $1.76B | -20% | +24% | 8% | 0.46× | 4.2% | n/a |
| OSB OSB.L | United Kingdom | $2.27B | +4% | -6% | 12% | 0.78× | 12.1% | 12.4% |
| Inter & INTR | United States | $1.70B | -40% | +51% | 16% | 0.84× | 8.8% | 15.5% |
| Hope Bancorp HOPE | United States | $1.68B | +6% | +7% | 6% | 0.75× | 7.6% | 5.9% |
| Tokyo Kiraboshi Financial 7173.T | Japan | $2.36B | -12% | +15% | 11% | 0.93× | 5.9% | 10.8% |
| CHINA BOHAI BANK 9668.HK | Hong Kong | $1.67B | -23% | -5% | 6% | 0.10× | 3.4% | 5.5% |
| Aichi Financial 7389.T | Japan | $2.40B | +3% | +31% | 8% | 0.81× | 6.5% | 7.8% |
| QCR QCRH | United States | $1.64B | +11% | +3% | 13% | 1.43× | 10.9% | 12.7% |
| Banco BBVA Argentina SA Sponsored ADR BBAR | United States | $2.45B | -29% | +6% | 8% | 0.77× | 8.1% | 8.0% |
| South Indian Bank SOUTHBANK.NS | India | $1.60B | +38% | +5% | 14% | 1.25× | 18.3% | 13.9% |