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City Holding Company (CHCO) — RQD Stock Rating Cockpit

$143.80 +1.03% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $144.41

City Holding Company (CHCO) earns a Roarable Rating of B (Buy) with 73/100 RQD Confidence. High-quality cash engine (steady margins, 16% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 73/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.1% avg 90D alpha vs SPY • 69.0% hit rate) →

ROARABLE B • BUY Cap $2.02B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $144.42 (+0.43%)🧬 Cannibal Buyback (-2.64% YoY Shares)⚙️ Cash Engine: 14/20 (B-) • 3.2% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 73/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.1% avg 90D alpha vs SPY • 69.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+6.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CHCO)Realized 20D OHLCV Swing Band: ±3.7%

Deterministic 5-Pillar Attribution (73/100 Composite)

🔍 WHY CHCO SCORES 73/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+17/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 85% Net Buy • Cannibal Buyback (-2.64% YoY Shares)

▲ #2 Bullish Driver: Macro Regime Fit+16/20 pts (22% of score)

FRED Regime × Technicals: 85% of 52W Range • RSI-14 at 53.1 (NEUTRAL RANGE)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk13/20 pts (-7 pt drag)

Balance-sheet & 10-K footnote risk deducts 7 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$139.97+1.2% Next Q

Q2 (-2Q)

Grade B-$141.69+0.2% Next Q

Q3 (-1Q)

Grade B$142.01+1.3% Next Q

Current

Grade B$143.80+7.1% Hist 90D α

Trajectory: C+ (65) → B (73)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CHCO Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 73/100 (B) score, CHCO faces multiple-compression risk if 15.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.64% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($142.29) or 200D SMA ($131.52) invalidates the momentum regime and cuts Target Base ($153.51) toward Bear Floor ($117.92).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CHCO• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CHCO Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 73%NO 27%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

53.130 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE85% OF RANGE

L: $113$143.80H: $149

1. Money & Cash Health● MIXED

Are profits real cash in the bank?

Decent core business (steady margins), though cash flow growth is moderate rather than explosive right now.

Factor Grade: B-RQD 14 / 20

2. Big Money & Insiders● BUYING

Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: BRQD 30 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on CHCO

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (70)

16.1% ROIC with 42.0% gross margin and 6.36% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (65)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BULLISH (77)

30/40 institutional & smart-money positioning score with 16/20 macro alignment.

Bull Case: Why Buyers Like CHCO

✓Company leadership has skin in the game with net positive insider conviction.

Bear Case: What Could Go Wrong

!Broader market pullbacks can still drag down strong stocks in the short run.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (CHCO Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CHCO // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +16.95%⚡ TESTING RESISTANCE

2026-10-30O $144.8H $145.2L $142.1C $143.8VOL 165.0K

RES: $146.1SUP: $139.8SMA50: $142.3SMA200: $131.5

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CHCO Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CHCO Butterfly Map → + Track CHCO →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

7.9%/yr Implied 5Y Growth

vs. +6.0% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CHCO today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CHCO. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CHCO today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CHCO)

Financials Rank #76 of 1096 ⚔️ FCF vs CHCO Full Matrix →

1. Head-to-Head Financials Peer Comparison (CHCO vs. FCF, TBBK, HTH, SRCE)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, City Holding Company (CHCO) ranks #76 by composite RQD confidence (73/100, grade B) and #426 by equity capitalization ($2.02B). Within this direct 5-issuer industry benchmark cohort, TBBK leads on earnings valuation at 9.0x trailing P/E, while TBBK leads on capital efficiency and profitability with 33.1% ROIC and — gross margin. TBBK currently holds the highest overall quantitative score in the immediate peer group at 75/100 (B) compared with CHCO at 73/100 (B).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CHCO ACTIVE City Holding Company	B	73/100	15.5x	—	16.1%	+1.03%	$2.02B	Benchmark Subject
FCF First Commonwealth Financial Corporation	C	65/100	13.4x	—	9.8%	+0.91%	$2.04B	/fcf-vs-chco →
TBBK The Bancorp Inc	B	75/100	9.0x	—	33.1%	+0.20%	$2.06B	/tbbk-vs-chco →
HTH Hilltop Holdings Inc.	D-	40/100	12.7x	—	7.7%	+1.58%	$2.12B	/hth-vs-chco →
SRCE 1st Source Corporation	D+	56/100	—	—	—	+0.97%	$2.13B	/srce-vs-chco →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000726854

In its most recent audited fiscal period (FY2025, filed 2025-12-31), City Holding Company (CHCO) reported GAAP revenue of $0 (N/A vs. FY2024 revenue of $0 ) , GAAP net income of $130.5M, operating cash flow of $131.4M, and free cash flow of $128.4M (-0.6% YoY). On the balance sheet, CHCO closed FY2025 with $6.72B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$0	$130.5M	$131.4M	$128.4M	$6.72B	—
FY2024 (FY)	2024-12-31	$0	$117.1M	$131.9M	$129.2M	$6.46B	—
FY2023 (FY)	2023-12-31	$0	$114.4M	$137.6M	$137.6M	—	—

3. CHCO Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CHCO stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, City Holding Company (NASDAQ: CHCO) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 73/100 at a spot price of $143.80 (+1.03% 1D, market cap $2.02B). Pillar breakdown: Fundamental Cash Engine 14/20, Institutional 13F & Options Flow 13/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 17/20. Across 1096 tracked Financials issuers, CHCO ranks #76 in composite RQD confidence.

How does CHCO compare to FCF and TBBK in the Financials sector?

Within the Financials sector (Major Banks), CHCO carries a Roarable B (73/100 RQD), trailing P/E of 15.5x, gross margin of —, and ROIC of 16.1%. By comparison, FCF (First Commonwealth Financial Corporation) holds a C grade (65/100 RQD, P/E 13.4x, ROIC 9.8%, cap $2.04B) and TBBK (The Bancorp Inc) posts a B grade (75/100 RQD, P/E 9.0x, ROIC 33.1%, cap $2.06B). Among the 5-stock peer group, TBBK leads on earnings multiple (9.0x) while TBBK leads on capital efficiency (33.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CHCO?

Per CHCO's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000726854), City Holding Company generated $0 in revenue, $130.5M in net income, and $128.4M in free cash flow against $6.72B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CHCO trading relative to its 50-day, 200-day, and 52-week technical levels?

CHCO last traded at $143.80 (+1.03% on volume of 166,447 shares), positioning the stock +1.06% above its 50-day simple moving average ($142.29) and +9.34% above its 200-day simple moving average ($131.52). Across its 52-week range of $113.21 to $148.99, CHCO sits at the 85.5% percentile with a 14-day RSI of 53.1 (NEUTRAL RANGE) and an implied next-earnings move of ±3.7% ($138.48 to $149.12).

CHCO Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell CHCO stock right now?

City Holding Company (CHCO) currently earns a Roarable Rating of B (Buy — BUY) with 73/100 RQD Confidence. High-quality cash engine (steady margins, 16% return on capital) with steady institutional support.

What is CHCO's 12-month price target and RQD AI Jury consensus?

CHCO's 12-month base price target is $153.51 (range $117.92 to $181.14), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: CHCO RQD Cockpit CHCO 12M Forecast CHCO Earnings & Move CHCO Dividends & DRIP CHCO Insiders & 13F CHCO Whale Options CHCO Profit Sankey CHCO News & Why