10. City Holding Corp. Shares of City Holding Co. ( CHCO) of Cross Lanes, W.V., closed at $32.95 Friday, down 2% year-to-date, after a decline of 3% in 2011. Based on a quarterly payout of 35 cents, the shares have a dividend yield of 4.25%. The shares trade for 1.9 times tangible book value, according to HighlineFI, and 12.5 times the consensus 2012 earnings estimate of $2.64 cents a share, among analysts polled by Thomson Reuters. The consensus 2013 EPS estimate is $2.76. The company had $2.3 billion in total assets as of Dec. 30. Its quarterly returns on average assets (ROA) ranged from 1.41% to 1.71% during 2011, according to HighlineFI, for the best earnings performance among this group of 10 bank and thrift holding companies. Six out of seven analysts covering City Holding Co. have neutral rating on the shares. Sterne Agee analyst Kenneth James has an "Underperform" rating on City Holding Co., with a $28 price target, saying on Feb. 13 that he sees "potential for downward estimate revisions in 2012," from the "heightened potential for a new round of regulatory scrutiny on deposit service charges." Please see TheStreet's coverage of the Consumer Financial Protection Bureau for more about regulatory threats to bank's fee revenues. James is behind the consensus, estimating that City Holding Co. will earn $2.46 a share in 2012, followed by EPS of $2.58 in 2013. Interested in more on City Holding Co.? See TheStreet Ratings' report card for this stock.