City (CHCO)
Community banking, mortgage lending and wealth services across West Virginia and neighboring markets.
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Provides commercial, consumer, mortgage, card and wealth-management services through City National Bank across West Virginia and adjoining markets. Customer deposits fund a loan book concentrated in residential and commercial real estate, making net interest income the core earnings engine.
Operates a single community-banking segment through City National Bank of West Virginia, serving consumers and businesses from 96 branches across West Virginia, Kentucky, Virginia and southeastern Ohio. Commercial banking covers business and real-estate financing, treasury management and deposits; consumer and mortgage banking provides deposit accounts, cards, home loans and servicing; wealth management handles trusts, estates, investment accounts and custody.
Earns primarily from the spread between interest on loans and securities and interest paid on deposits and borrowings, supplemented by bankcard and wealth-management fees. Customer deposits fund a loan book concentrated in residential and commercial real estate. Results depend on regional economic conditions, real-estate collateral values, deposit competition and interest rates, while the Federal Reserve, OCC and FDIC oversee the holding company and bank.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| Jan 23, 2026 | Piper Sandler | Reiterate | Rating: —Target: $125 | Target: $130 |
| Dec 3, 2025 | Piper Sandler | Target | Target: — | Target: $125 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $1.77B · Total debt $527.6M · Total assets $6.77B · Shareholders' equity $808.9M
- Revenue
- $80.2M
- Operating income
- $20.6M
- Net income
- $33.3M
HistoryDividendAnnual yield
| Institutions | 77.35% | 10.86M shares | |
|---|---|---|---|
| 254 holders · as of Jun 30, 2026 | |||
| Insiders | 2.29% | 321.6K shares | |
| 20 holders · as of Aug 27, 2026 | |||
| Other | 20.36% | 2.86M shares | |
| remainder | |||
14.05M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
BlackRock, Inc.Institution | 14.51% | 2.04M | as of Jun 30, 2026 |
Vanguard Portfolio Management LLCInstitution | 6.82% | 957,629 | as of Jun 30, 2026 |
State Street CorpInstitution | 5.45% | 765,095 | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 4.50% | 632,471 | as of Jun 30, 2026 |
Westwood Holdings Group IncInstitution | 3.86% | 542,660 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 26, 2026 | Sharon H. Rowe | director | −400 | $143.96 |
| Jul 30, 2026 | Charles R. Hageboeck | director, officer: President & CEO | −4,485 | $144.96 |
| Jul 21, 2026 | Robert D. Fisher | director | +156 | $134.55 |
| Jul 21, 2026 | James A. Hoyer | director | +95 | $134.55 |
| Jul 21, 2026 | Javier A. Reyes | director | +83 | $134.55 |
- United Bankshares
WV's #1 bank by deposit share, head-to-head across CHCO's WV/KY/VA markets.
- WesBanco
Mid-tier regional with 250+ branches, nine states, and a century-old trust arm.
- Huntington Bancshares
Top-10 U.S. regional bank with ~$279B assets, ~1,400 branches across 21 states.
- Community Trust Bancorp
Appalachian community bank anchoring eastern KY and the Tug Valley corridor.
- Burke & Herbert Financial Services
Virginia-rooted community bank expanded into WV and KY via 2024 Summit merger.
- Atlantic Union Bankshares
Largest Virginia-headquartered regional bank; 190 branches across VA, MD, NC.
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| City | $140.14 | −0.07% | $1.98B | 15.3 | 14.9 | 5.2 | +7.7% |
| United Bankshares | $46.66 | −0.21% | $6.44B | 12.8 | 12.4 | 3.6 | +6.0% |
| WesBanco | $38.52 | −1.48% | $3.75B | 11.0 | 10.6 | 2.5 | +6.3% |
| Huntington Bancshares | $15.61 | −2.71% | $32.41B | 12.0 | 9.1 | 2.2 | +47.4% |
| Community Trust Bancorp | $75.20 | −0.48% | $1.37B | 12.7 | 11.7 | 3.2 | +11.8% |
| Burke & Herbert Financial Services | $69.54 | −0.01% | $1.40B | 11.1 | 8.2 | 3.2 | +24.6% |
| Atlantic Union Bankshares | $38.77 | −0.31% | $5.52B | 11.6 | 10.0 | 2.5 | −3.5% |
| Median | 11.8 | 10.3 | 2.8 | +9.0% |