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CHCO

CityC
Nasdaq / Banks
Last Price
At close
2026-07-20
View Chart
Current thesis
CHCO enters 2026 with record 2025 earnings, 5.4% loan growth, a still-healthy 3.94% reported net interest margin, low nonperforming assets at 0.32% of loans and OREO, strong regulatory capital, and a newly authorized buyback equal to roughly 7% of shares outstanding. Those facts support a case for steady EPS accretion and downside support from capital return.
Posture
Mixed
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta +8.5.
What can break
Catalyst depth is modest; absent a strong operating print, capital return alone may not rerate the shares materially.
Momentum
45
Value
61
Sentiment
46
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $123.00 · Bull $138.00 · Bear $112.00
Data freshness
Prices
As of 2026-07-20
Fundamentals
As of 2026-07-20 • Vendor: Data Vendor v1
Scores
As of 2026-07-20 • Model: HYBRID_IC_RP
AI Memo
As of 2026-04-21 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-07-20
Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $131.40
Why
Momentum45 · Δ7d +2.2
Value61 · Δ7d +8.5
Sentiment46 · Δ7d -5.2
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.
Lead driver: Value · See fundamentals
Momentum
45
26% active weight
Current posture
7d trendFlat
Δ7d
+2.2
Δ21d
-12.5
Value
61
39% active weight
Current posture
7d trendImproving
Δ7d
+8.5
Δ21d
+8.5
Sentiment
46
34% active weight
Current posture
7d trendSoftening
Δ7d
-5.2
Δ21d
-2.9
Why this grade

Composite grade C. Momentum 45.2 / Value 60.6 / Sentiment 45.5

Fundamentals (TTM)
As of 2026-07-20
Market Cap
$1.92B
Beta
0.51
Shares Out
14.11M
P/E (TTM)
14.0
P/S (TTM)
5.73
P/FCF (TTM)
21.51
Rev YoY
+2.7%
EPS YoY
+7.1%
Gross Margin
-
Op Margin
+51.2%
Net Debt
$365.56M
Current Ratio
0.10
As of 2026-07-20 • Updated nightlySource: Internal modelMethodology