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Financials · CHCO

City Holding Company (CHCO) financials

For the twelve months ended Sep 30, 2026, City Holding Company reported $323.98M of revenue and $131.21M of net income.

Revenue, TTM
$323.98M
Revenue growth, YoY
+5.8%
Net income, TTM
$131.21M
Net income growth, YoY
+2.9%
Net margin
40.5%
Free cash flow, TTM
$137.62M
EPS, diluted, TTM
$9.15
EPS growth, YoY
+5.2%
Cash
$201.38M
Total debt
$150.00M
P/E
15.28
P/S
6.19
Market cap
$2.01B
Annual revenue$314.17M
FY2016FY2025
Annual net income$130.49M
FY2016FY2025
Annual free cash flow$128.45M
FY2016FY2025

CHCO revenue and earnings growth

CHCO revenueQ3 2026$84.04M

Quarter YoY
+2.9%
QoQ
+3.1%
FY YoY
+7.0%
5Y CAGR
+5.8%
10Y CAGR
+5.6%

CHCO revenue was $84.04M in fiscal Q3 2026 (ended Sep 30, 2026), up 2.9% from a year earlier and up 3.1% from the prior quarter. For the full fiscal 2025 it was $314.17M, up 7.0% from fiscal 2024. Compound annual growth was +5.8% over 5 years and +5.6% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CHCO net incomeQ3 2026$34.61M

Quarter YoY
-1.6%
QoQ
+3.9%
FY YoY
+11.4%
5Y CAGR
+7.8%
10Y CAGR
+9.2%

CHCO net income was $34.61M in fiscal Q3 2026 (ended Sep 30, 2026), down 1.6% from a year earlier and up 3.9% from the prior quarter. For the full fiscal 2025 it was $130.49M, up 11.4% from fiscal 2024. Compound annual growth was +7.8% over 5 years and +9.2% over 10 years. It rose in 8 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CHCO EPSQ3 2026$2.43

Quarter YoY
+0.8%
QoQ
+3.4%
FY YoY
+13.2%
5Y CAGR
+10.0%
10Y CAGR
+9.7%

CHCO diluted EPS was $2.43 in fiscal Q3 2026 (ended Sep 30, 2026), up 0.8% from a year earlier and up 3.4% from the prior quarter. For the full fiscal 2025 it was $8.93, up 13.2% from fiscal 2024. Compound annual growth was +10.0% over 5 years and +9.7% over 10 years.

CHCO free cash flowQ3 2026$35.10M

Quarter YoY
-2.5%
QoQ
+10.3%
FY YoY
-0.6%
5Y CAGR
+8.8%
10Y CAGR
+11.1%

CHCO free cash flow was $35.10M in fiscal Q3 2026 (ended Sep 30, 2026), down 2.5% from a year earlier and up 10.3% from the prior quarter. For the full fiscal 2025 it was $128.45M, down 0.6% from fiscal 2024. Compound annual growth was +8.8% over 5 years and +11.1% over 10 years. It rose in 6 of the last 10 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$314.17M$293.57M$289.87M$252.11M$225.21M$237.32M$229.85M$198.77M$189.73M$177.77M
Interest expense--$52.02M$9.65M$9.89M$23.61M$36.34M$25.69M$16.80M$13.21M
Pre-tax income$161.47M$144.52M$143.11M$127.33M$111.19M$111.31M$113.49M$88.02M$90.75M$77.21M
Income tax$30.98M$27.41M$28.74M$25.26M$23.11M$21.72M$24.14M$18.02M$36.44M$25.08M
Net income$130.49M$117.10M$114.36M$102.07M$88.08M$89.59M$89.35M$70.00M$54.31M$52.13M
EPS, basic$8.94$7.91$7.62$6.81$5.67$5.55$5.43$4.50$3.49$3.46
EPS, diluted$8.93$7.89$7.61$6.80$5.66$5.55$5.42$4.49$3.48$3.45
Diluted shares14.5M14.7M14.9M14.9M15.4M16.0M16.3M15.4M15.4M14.9M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$191.92M$225.39M$156.28M$200.00M$634.63M$528.66M$140.14M$122.99M$82.51M$88.14M
Goodwill$149.76M$149.76M$149.90M$108.94M$108.94M$108.90M$108.94M$109.57M$76.20M$76.20M
Total assets$6.72B$6.46B$6.17B$5.88B$6.00B$5.76B$5.02B$4.90B$4.13B$3.98B
Total debt$150.00M$150.00M$100.00M$0------
Total liabilities$5.91B$5.73B$5.49B$5.30B$5.32B$5.06B$4.36B$4.30B$3.63B$3.54B
Shareholders' equity$809.68M$730.66M$677.07M$577.85M$681.11M$701.11M$657.98M$600.76M$502.51M$442.44M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$131.37M$131.90M$137.58M$115.82M$102.27M$89.80M$105.05M$77.57M$76.13M$65.33M
Capital expenditures$2.92M$2.71M$2.96M$2.14M$3.32M$5.54M$4.73M$10.19M$6.57M$5.52M
Free cash flow$128.45M$129.19M$134.62M$113.68M$98.95M$84.25M$100.32M$67.38M$69.55M$59.81M
Investing cash flow-$269.92M-$252.26M$14.68M-$410.45M-$191.17M-$285.29M-$108.83M-$168.47M-$171.69M-$261.29M
Financing cash flow$105.08M$189.48M-$195.98M-$140.00M$194.87M$584.01M$20.94M$131.38M$89.93M$213.99M
Dividends paid$47.29M$43.48M$39.99M$36.70M$36.14M$36.67M$35.55M$29.58M$27.12M$25.72M
Share repurchases$45.76M$17.90M$60.13M$26.45M$58.68M$36.48M$19.43M$20.27M$0$10.02M
Stock-based compensation$3.38M$3.52M$3.21M$3.28M$3.12M$3.25M$2.52M$2.15M$2.10M$2.02M

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY7.0%1.3%15.0%11.9%-5.1%3.3%15.6%4.8%6.7%-2.6%
Net income growth, YoY11.4%2.4%12.0%15.9%-1.7%0.3%27.6%28.9%4.2%-3.6%
EPS growth, YoY13.2%3.7%11.9%20.1%2.0%2.4%20.7%29.0%0.9%-2.3%
Net margin41.5%39.9%39.5%40.5%39.1%37.8%38.9%35.2%28.6%29.3%
Free cash flow margin40.9%44.0%46.4%45.1%43.9%35.5%43.6%33.9%36.7%33.6%
Return on equity16.1%16.0%16.9%17.7%12.9%12.8%13.6%11.7%10.8%11.8%
Return on assets1.9%1.8%1.9%1.7%1.5%1.6%1.8%1.4%1.3%1.3%
Debt to equity0.190.210.150.00------

Source: XBRL data City Holding Company files with the SEC, latest filing dated Nov 4, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CHCO peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CHCO$323.98M+5.8%$131.21M40.5%$2.01B
JPM$203.15B+13.2%$65.98B32.5%$919.35B
BAC$120.16B+5.4%$32.24B26.8%$352.05B
WFC$87.23B+5.4%$22.97B26.3%$258.31B
C$85.22B+5.6%$14.31B16.8%$205.26B
UBS$49.57B+2.0%$7.80B15.7%$149.91B
MFG¥8.79T+7.6%¥1.16T13.2%$128.73B
COF$63.01B+31.2%$10.87B17.2%$117.35B
BNSC$37.74B+12.1%C$7.79B20.6%$113.53B

CHCO FAQ

8 questions
  • What is CHCO revenue?
    City Holding Company (CHCO) reported $323.98M of revenue for the twelve months ended Sep 30, 2026. That is up 5.8% from the year before. Revenue for fiscal 2025 was $314.17M.
  • Is CHCO profitable?
    Yes. City Holding Company earned $131.21M in net income for the twelve months ended Sep 30, 2026, a net margin of 40.5%.
  • How much cash and debt does CHCO have?
    City Holding Company reported $201.38M in cash and cash equivalents and $150.00M of debt on its most recent balance sheet in SEC filings.
  • How fast is CHCO revenue growing?
    City Holding Company's revenue changed +7.0% in fiscal 2025, to $314.17M. Its compound annual growth rate was +5.8% over 5 years and +5.6% over 10 years.
  • What is CHCO free cash flow?
    City Holding Company generated $137.62M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $140.61M less capital expenditures.
  • What is CHCO earnings per share?
    Diluted earnings per share were $9.15 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CHCO last report financial results?
    The latest statements here come from City Holding Company's 10-Q filed on Nov 4, 2026, covering the period ended Sep 30, 2026.
  • Where does this CHCO financial data come from?
    Quantisnow builds these statements from the structured XBRL data City Holding Company files with the SEC. It is provided for information only and is not investment advice.