City
Community banking, mortgage lending and wealth services across West Virginia and neighboring markets.
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Profile
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
Categories
Key statistics
Year to date +19.6% · Average volume (30d) 111.4K
Analysts
Ratings
Target range
Latest analyst notes
| Date | Firm | Action | Rating | Prior target | Target |
|---|---|---|---|---|---|
| Jan 23, 2026 | Piper Sandler | Reiterate | Neutral | $125 | $130 |
| Dec 3, 2025 | Piper Sandler | Target | $125 |
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| Jul 22, 2026Q2 FY26 | $2.23 | $2.35 | +5.4% | $80.6M | $81.5M | +1.1% | −1.16% |
| Apr 23, 2026Q1 FY26 | $2.17 | $2.20 | +1.4% | $79.3M | $79.2M | −0.1% | −1.43% |
| Jan 21, 2026Q4 FY25 | $2.29 | $2.18 | −4.8% | $81.4M | $80.2M | −1.5% | +1.83% |
| Oct 22, 2025Q3 FY25 | $2.15 | $2.41 | +12.1% | $79.7M | $79.0M | −0.9% | −0.02% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $94.0M | $97.0M | $100.0M | $101.1M | $98.4M | $80.2M | |
| Gross profit | $72.4M | $77.7M | $79.5M | $80.2M | $78.6M | $60.8M | |
| Operating income | $36.9M | $41.2M | $43.8M | $40.6M | $39.3M | $20.6M | |
| Net income | $30.3M | $33.4M | $35.2M | $31.6M | $31.7M | $33.3M | |
| Diluted EPS | $2.06 | $2.29 | $2.41 | $2.18 | $2.20 | $2.35 | |
| Gross margin | 77.0% | 80.0% | 79.5% | 79.3% | 79.9% | 75.7% | |
| Operating margin | 39.3% | 42.4% | 43.8% | 40.2% | 39.9% | 25.6% |
Fiscal years (4-quarter sums)FY21 $228.7M · FY22 $255.7M · FY23 $334.4M · FY24 $371.3M · FY25 $392.1M
Revenue by product · Q2 FY26
Balance sheet, Jun 30, 2026Cash & short-term investments $1.77B · Total debt $527.6M · Total assets $6.77B · Shareholders' equity $808.9M
Dividends
Raised for 23 straight years — most recently to $0.87 from $0.79 in Oct 2025. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Jul 15, 2026 | Jul 15 | Jul 31 | $0.87 | |
| Apr 15, 2026 | Apr 15 | Apr 30 | $0.87 | |
| Jan 15, 2026 | Jan 15 | Jan 30 | $0.87 | |
| Oct 15, 2025 | Oct 15 | Oct 31 | $0.87 | raised from $0.79 |
| Jul 15, 2025 | Jul 15 | Jul 31 | $0.79 | |
| Apr 15, 2025 | Apr 15 | Apr 30 | $0.79 | |
| Jan 15, 2025 | Jan 15 | Jan 31 | $0.79 | |
| Oct 15, 2024 | Oct 15 | Oct 31 | $0.79 | raised from $0.715 |
Ownership
Shares outstanding 14.11M · Float 13.83M · 98.0% free float
Top shareholders13F · 13D/G · Form 4
| Holder | Shares | % outstanding | Form | Filed |
|---|---|---|---|---|
| BlackRock, Inc. | 2.04M | 14.44% | 13F | Aug 7, 2026 |
| Vanguard Portfolio Management LLC | 957.6K | 6.79% | 13F | Aug 13, 2026 |
| State Street Corp | 765.1K | 5.42% | 13F | Aug 7, 2026 |
| Vanguard Capital Management LLC | 632.5K | 4.48% | 13F | Aug 13, 2026 |
| Westwood Holdings Group Inc | 542.7K | 3.85% | 13F | Aug 14, 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 |
Peers
- 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.
CompareAfter-hours close
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| City | $143.46 | +0.03% | $2.02B | 15.7 | 15.2 | 5.3 | +7.7% |
| United Bankshares | $47.60 | +0.01% | $6.56B | 13.0 | 12.7 | 3.6 | +6.0% |
| WesBanco | $40.42 | 0.00% | $3.88B | 11.4 | 11.1 | 2.6 | +6.3% |
| Huntington Bancshares | $16.95 | +0.18% | $34.19B | 12.6 | 9.8 | 2.4 | +47.4% |
| Community Trust Bancorp | $76.66 | −0.08% | $1.39B | 12.8 | 12.0 | 3.3 | +11.8% |
| Burke & Herbert Financial Services | $71.71 | 0.00% | $1.44B | 11.5 | 8.5 | 3.3 | +24.6% |
| Atlantic Union Bankshares | $40.66 | +0.02% | $5.77B | 12.1 | 10.5 | 2.6 | −3.5% |
| Median | 12.4 | 10.8 | 2.9 | +9.0% |