City Holding Company operates as a financial holding company for City National Bank of West Virginia that provides banking, trust and investment management, and other financial solutions in the United States.
FAIL · Does not pass the screen
140.09 USD
Screen close, 2026-09-24 · not a live quote Last reviewed 11 days ago
Screened 2026-09-24 · the tape above runs as of 09:01 UTC · two dates, stated on purpose · verdict and workings shown in full · never trimmed
PRICE · FAIR-VALUE RANGE1M3M6MYTD1Y3Y5Y
What this means: price 140.09 against the desk's fair-value range, base estimate 130.41, over the last year.
Positioning no disclosures inside 60 days, left as found
Options no verdict drawn today, left as found
Ethical does not pass the values gate
Price140.09 USD
Fair value130.41
Ethical score30.0/100
Our investment reviews on this name
2026-10-02Read Markdown140.09+0.0% to today
2026-08-25Read Accumulation143.20-2.2% to today
2026-07-02Read Markdown130.76+7.1% to today
Our analytic regime reads on this name, dated and marked against the screened price. Small sample per name, and separate from the daily-framework accuracy on the Track Record page.
City Holding Company holds its Markdown at $140.09. The statistical read favours the sellers, held for 45 days.
As held on the ledger · 2026-09-24
Phase
Markdown · caution
Quantitative state
The statistical read favours the sellers, held for 45 days
Price at the screen
$140.09
Valuation
15.34 trailing · 14.53 forward price to earnings
Values screen
FAIL· score 30.0
Beta
0.47
The Workings
Five Screens, Shown in Full
Does not pass. Prohibited keyword in sector/industry: bank
Test
Figure
Limit
What it means
Status
Business activity
Excluded
Core business clean
Prohibited keyword in sector/industry: bank
Fail
Debt load
Excluded
Below 33%
Interest-bearing debt is of its assets, above the one-third ceiling the screen allows.
Fail
Interest-bearing cash
Excluded
Below 33%
Interest-bearing cash and securities are of assets, above the one-third limit.
Fail
Receivables
Excluded
Below 49%
Money owed to the company is of assets, above the 49% limit.
Fail
Revenue purity
Excluded
Below 5%
of revenue comes from non-compliant sources, over the 5% line.
Fail
Five checks adapted from AAOIFI screening standards: business activity plus four balance-sheet ratios. All five must pass for ethical clearance. Every figure is arithmetic on public accounts, not judgement.
The Ethical Read
Why It Falls Short, in Plain English
City does not clear the screen at the business-activity stage. It operates in conventional financial services, which the screen treats as interest-based, so the financial ratios are not the deciding factor here.
Read as at 2026-10-04. It updates when the underlying figures move, and past reads are kept below.
Fair value range in USD, drawn from the 2026-09-24 screen. The gold marker is the market price at the same screen. The price runs 6.9% above the base estimate.
Third-party analyst targets: 5 covering, consensus Hold. The average target sits +4% from the screen price.
Reading the gap · Both our model and the Street see limited upside at this price.
Price History & Projections
Where it has been, where the models see it going. History from market close data; projection points are our fair-value estimates and third-party analyst targets, dated to the 2026-09-24 screen.
Fair value and rating are our own model estimates; the Street's range reflects third-party analyst estimates. Analysis, not advice.
The Business, in Plain Words
This Bank Trips Our Ethical Line First
City National Bank of West Virginia takes deposits from locals and turns them into loans across a handful of states. That activity alone puts the company on the wrong side of our ethical screen, so we stop there and pass without further work.
The numbers show steady 6% revenue growth, a 41% profit margin and 17% return on equity, yet the shares trade at 135.76 against a fair value of 122.16. A 14.3 times forward multiple offers little margin of safety when analysts already sit on a hold rating with a 132 target.
Banks carry interest-rate swings, credit cycles and regulatory shifts that can turn steady results quickly. The ethical block removes any need to weigh those risks further. Analysis, not advice.
The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market.
Plain-English interpretation of our own screen data. Analysis, not advice.
Where & How to Trade
CHCO trades on Nasdaq. As a listed security it is accessible through almost any international broker offering its home market. New to this, or investing from abroad? Our guide to accessing global markets covers brokers, currencies and the practical steps.
The Dated Journal · Newest First, Never Edited
Every Entry, As Written
2026-10-02Markdown · changed$140.09-2.2%Entry 6
The framework has shifted from accumulation to markdown since the last review. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 2.2% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading bullish. Over the past year the shares are up 11%. Our forward projection puts the odds of a 10% gain over the next month near 15%. The street (5 analysts) rates it none, with a mean price target of $131.
The framework has shifted from markdown to accumulation since the last review. Smart money appears to be quietly building positions. This typically precedes a markup phase. Price has moved up 5.5% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading bullish. Over the past year the shares are up 11%. Our forward projection puts the odds of a 10% gain over the next month near 15%. The street (5 analysts) rates it none, with a mean price target of $131.
2026-07-24Markdown$135.76+3.8%Entry 4
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved up 3.8% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading bullish. Over the past year the shares are up 11%. Our forward projection puts the odds of a 10% gain over the next month near 15%. The street (5 analysts) rates it none, with a mean price target of $131.
2026-07-18Markdown$130.76+0.0%Entry 3
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns. Our composite framework grades it C, carrying a low risk profile. Technically it is momentum reading bullish. Over the past year the shares are up 11%. Our forward projection puts the odds of a 10% gain over the next month near 15%. The street (5 analysts) rates it none, with a mean price target of $131.
2026-07-03Markdown$130.76+0.0%Entry 2
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Price has moved down 0.0% since our last review. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
2026-07-02Markdown$130.76Entry 1
The framework reads markdown. Price is trending lower. Sellers are in control and the prior trend has reversed. Ethical screening: FAIL. This security does not pass our values-based screening criteria. The risk-adjusted return profile shows good risk-adjusted returns.
Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.
