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City Holding Company(CHCO)Earnings, Financials & Key Ratios
CHCO•NASDAQ•Banking & Credit
$122.96
$1.76B mkt cap·13.8× P/E·Price updated May 6, 2026
AboutCity Holding Company operates as a holding company for City National Bank of West Virginia that provides various banking, trust and investment management, and other financial solutions in the United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. It also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of residence; first-priority home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts. In addition, the company offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government insured mortgages, secondary marketing, and mortgage servicing. Further, it provides deposit services for commercial customers comprising treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. The company operates through a network of 94 branches and 905 full-time equivalent associates in West Virginia, Virginia, Kentucky, and Ohio. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.Show more
- Net Interest Income$236M+7.3%
- Total Revenue$392M+5.6%
- Net Income$130M+11.4%
- Return on Equity16.94%+1.8%
- Net Interest Margin3.52%+3.1%
- Efficiency Ratio37.55%+0.5%
- ROA1.98%+6.7%
- Equity / Assets12.05%+6.5%
- Book Value per Share56.36+13.4%
- Tangible BV/Share45.37+16.9%
- Debt/Equity0.64-1.8%
CHCO Key Insights
City Holding Company (CHCO) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong Piotroski F-Score: 7/9
- ✓Strong NIM of 3.5%
- ✓Efficient operations: 37.5% efficiency ratio
- ✓14 consecutive years of dividend growth
- ✓Well capitalized: 12.0% equity/assets
- ✓Good 3Y average ROE of 17.3%
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
CHCO Price & Volume
City Holding Company (CHCO) stock price & volume — 10-year historical chart
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CHCO Growth Metrics
City Holding Company (CHCO) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years8.15%
5 Years8.98%
3 Years15.31%
TTM-
Profit CAGR
10 Years9.2%
5 Years7.81%
3 Years8.53%
TTM11.43%
EPS CAGR
10 Years9.74%
5 Years10%
3 Years9.55%
TTM13.31%
Return on Capital
10 Years14.97%
5 Years14.27%
3 Years13.36%
Last Year7.08%
CHCO Recent Earnings
City Holding Company (CHCO) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 2/12 qtrs (17%)
Q2 2026Latest
Apr 23, 2026EPS
$2.20
Est $2.17
+1.4%
Revenue
$79M
Est $79M
-0.1%
Q1 2026
Jan 21, 2026EPS
$2.18
Est $2.29
-4.8%
Revenue
$80M
Est $81M
-1.5%
Q4 2025
Oct 22, 2025EPS
$2.41
Est $2.15
+12.1%
Revenue
$79M
Est $80M
-0.9%
Q3 2025
Jul 22, 2025EPS
$2.29
Est $1.97
+16.2%
Revenue
$76M
Est $80M
-5.6%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $2.20vs $2.17+1.4% | $79Mvs $79M-0.1% |
| Q1 2026 | Jan 21, 2026 | $2.18vs $2.29-4.8% | $80Mvs $81M-1.5% |
| Q4 2025 | Oct 22, 2025 | $2.41vs $2.15+12.1% | $79Mvs $80M-0.9% |
| Q3 2025 | Jul 22, 2025 | $2.29vs $1.97+16.2% | $76Mvs $80M-5.6% |
Based on last 12 quarters of dataView full earnings history →
CHCO Peer Comparison
City Holding Company (CHCO) competitors in Banks with large fee businesses — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 FFIN | 4.64B | 32.60 | 20.90 | 18.79% | 13.25% | 0.12 | ||
 WSFS | 3.8B | 72.11 | 14.17 | -3.05% | 10.65% | 0.11 | ||
 SFNC | 3.13B | 21.59 | -7.32 | -56.66% | -11.63% | 0.19 | ||
 NBTB | 2.36B | 45.20 | 13.57 | 10.36% | 9.51% | 0.17 | ||
 FULT | 4.19B | 21.79 | 10.48 | 5.03% | 11.6% | 0.37 | ||
 UBSI | 6.11B | 43.72 | 13.37 | 12.33% | 8.6% | 0.17 | ||
 HBAN | 26.34B | 16.64 | 11.97 | 4.38% | 10.04% | 0.76 | ||
 ONB | 9.49B | 24.58 | 13.73 | 25.48% | 8.51% | 0.88 |
Compare CHCO vs Peers
City Holding Company (CHCO) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CHCO Income Statement
City Holding Company (CHCO) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | 126.13M | 138.21M | 161.36M | 154.64M | 155.57M | 180.03M | 219.24M | 220.24M | 236.4M |
| NII Growth % | 6.04% | 9.58% | 16.75% | -4.16% | 0.6% | 15.72% | 21.78% | 0.45% | 7.34% |
| Net Interest Margin % | 3.05% | 2.82% | 3.21% | 2.69% | 2.59% | 3.06% | 3.55% | 3.41% | 3.52% |
| Interest Income | 142.93M | 163.9M | 197.7M | 178.26M | 165.47M | 189.69M | 271.26M | 306.43M | 321.22M |
| Interest Expense | 16.8M | 25.69M | 36.34M | 23.61M | 9.89M | 9.65M | 52.02M | 86.19M | 84.81M |
| Loan Loss Provision | 3.01M | -2.31M | -1.25M | 10.72M | -3.17M | 474K | 3.24M | 1.82M | -2.5M |
| Non-Interest Income | 59.68M | 56.06M | 62.94M | 76.79M | 63.19M | 66.05M | 63.18M | 64.83M | 70.89M |
| Non-Interest Income % | 29.46% | 25.49% | 24.15% | 30.11% | 27.63% | 25.83% | 18.89% | 17.46% | 18.08% |
| Total Revenue | 202.61M▲ 0% | 219.96M▲ 8.6% | 260.63M▲ 18.5% | 255.05M▼ 2.1% | 228.65M▼ 10.3% | 255.73M▲ 11.8% | 334.45M▲ 30.8% | 371.25M▲ 11.0% | 392.11M▲ 5.6% |
| Revenue Growth % | 8.63% | 8.56% | 18.49% | -2.14% | -10.35% | 11.84% | 30.78% | 11.01% | 5.62% |
| Non-Interest Expense | 92.06M | 108.56M | 112.06M | 109.4M | 110.73M | 118.74M | 136.07M | 138.73M | 147.23M |
| Efficiency Ratio | 45.43% | 49.36% | 42.99% | 42.89% | 48.43% | 46.43% | 40.69% | 37.37% | 37.55% |
| Operating Income | 90.75M▲ 0% | 88.02M▼ 3.0% | 113.49M▲ 28.9% | 111.31M▼ 1.9% | 111.19M▼ 0.1% | 127.33M▲ 14.5% | 143.11M▲ 12.4% | 144.52M▲ 1.0% | 162.56M▲ 12.5% |
| Operating Margin % | 44.79% | 40.01% | 43.54% | 43.64% | 48.63% | 49.79% | 42.79% | 38.93% | 41.46% |
| Operating Income Growth % | 17.53% | -3.01% | 28.94% | -1.92% | -0.11% | 14.52% | 12.39% | 0.99% | 12.49% |
| Pretax Income | 90.75M▲ 0% | 88.02M▼ 3.0% | 113.49M▲ 28.9% | 111.31M▼ 1.9% | 111.19M▼ 0.1% | 127.33M▲ 14.5% | 143.11M▲ 12.4% | 144.52M▲ 1.0% | 161.47M▲ 11.7% |
| Pretax Margin % | 44.79% | 40.01% | 43.54% | 43.64% | 48.63% | 49.79% | 42.79% | 38.93% | 41.18% |
| Income Tax | 36.44M | 18.02M | 24.14M | 21.72M | 23.11M | 25.26M | 28.74M | 27.41M | 30.98M |
| Effective Tax Rate % | 40.15% | 20.47% | 21.27% | 19.51% | 20.79% | 19.84% | 20.08% | 18.97% | 19.19% |
| Net Income | 54.31M▲ 0% | 70M▲ 28.9% | 89.35M▲ 27.6% | 89.59M▲ 0.3% | 88.08M▼ 1.7% | 102.07M▲ 15.9% | 114.36M▲ 12.0% | 117.1M▲ 2.4% | 130.49M▲ 11.4% |
| Net Margin % | 26.8% | 31.82% | 34.28% | 35.13% | 38.52% | 39.91% | 34.2% | 31.54% | 33.28% |
| Net Income Growth % | 4.19% | 28.89% | 27.64% | 0.27% | -1.69% | 15.88% | 12.04% | 2.39% | 11.43% |
| Net Income (Continuing) | 54.31M | 70M | 89.35M | 89.59M | 88.08M | 102.07M | 114.36M | 117.1M | 130.49M |
| EPS (Diluted) | 3.48▲ 0% | 4.53▲ 30.2% | 5.42▲ 19.6% | 5.55▲ 2.4% | 5.66▲ 2.0% | 6.80▲ 20.1% | 7.61▲ 11.9% | 7.89▲ 3.7% | 8.94▲ 13.3% |
| EPS Growth % | 0.87% | 30.17% | 19.65% | 2.4% | 1.98% | 20.14% | 11.91% | 3.68% | 13.31% |
| EPS (Basic) | 3.49 | 4.54 | 5.43 | 5.55 | 5.67 | 6.81 | 7.62 | 7.91 | 8.94 |
| Diluted Shares Outstanding | 15.44M | 15.44M | 16.33M | 15.99M | 15.41M | 14.87M | 14.89M | 14.7M | 14.37M |
CHCO Balance Sheet
City Holding Company (CHCO) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 632.9M | 846.25M | 950.25M | 1.71B | 2.04B | 1.71B | 1.49B | 240.8M | 1.66B |
| Cash & Due from Banks | 82.51M | 122.99M | 140.14M | 528.66M | 634.63M | 200M | 156.28M | 225.39M | 152.11M |
| Short Term Investments | 550.39M | 723.25M | 810.11M | 1.18B | 1.41B | 1.51B | 1.34B | 15.41M | 1.5B |
| Total Investments | 3.74B | 4.38B | 4.49B | 4.8B | 4.96B | 5.16B | 5.47B | 5.7B | 6.06B |
| Investments Growth % | 4.81% | 17.31% | 2.45% | 6.94% | 3.24% | 4.02% | 6.08% | 4.23% | 6.24% |
| Long-Term Investments | 3.19B | 3.66B | 3.68B | 3.63B | 3.55B | 3.65B | 4.13B | 5.69B | 4.56B |
| Accounts Receivables | 9.22M | 12.42M | 11.57M | 15.79M | 15.63M | 18.29M | 20.29M | 20.65M | 0 |
| Goodwill & Intangibles | 78.59M | 122.85M | 120.24M | 118.59M | 117.12M | 115.73M | 162.57M | 160.04M | 157.87M |
| Goodwill | 76.2M | 109.57M | 108.94M | 108.94M | 108.94M | 108.94M | 149.9M | 149.76M | 0 |
| Intangible Assets | 2.4M | 13.28M | 11.3M | 9.65M | 8.18M | 6.79M | 12.67M | 10.28M | 157.87M |
| PP&E (Net) | 72.68M | 78.38M | 76.97M | 76.92M | 74.07M | 70.79M | 72.15M | 70.54M | 69.13M |
| Other Assets | 139.8M | 160.5M | 171.22M | 214.94M | 202.84M | 269.94M | 242.28M | 237.17M | 1.83B |
| Total Current Assets | 642.12M | 857.21M | 961.82M | 1.72B | 2.06B | 1.72B | 1.51B | 261.45M | 101.93M |
| Total Non-Current Assets | 3.49B | 4.04B | 4.06B | 4.04B | 3.95B | 4.15B | 4.65B | 6.2B | 6.62B |
| Total Assets | 4.13B▲ 0% | 4.9B▲ 18.6% | 5.02B▲ 2.4% | 5.76B▲ 14.7% | 6B▲ 4.3% | 5.88B▼ 2.1% | 6.17B▲ 4.9% | 6.46B▲ 4.7% | 6.72B▲ 4.1% |
| Asset Growth % | 4.1% | 18.6% | 2.41% | 14.73% | 4.26% | -2.09% | 4.93% | 4.72% | 4.06% |
| Return on Assets (ROA) | 1.34% | 1.55% | 1.8% | 1.66% | 1.5% | 1.72% | 1.9% | 1.85% | 1.98% |
| Accounts Payable | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Debt | 268.71M | 265.96M | 215.31M | 295.96M | 312.46M | 290.96M | 434.86M | 475.65M | 517.67M |
| Net Debt | 186.21M | 142.97M | 75.17M | -232.7M | -322.17M | 90.96M | 278.58M | 250.27M | 365.56M |
| Long-Term Debt | 16.5M | 4.05M | 4.06M | 0 | 0 | 0 | 100M | 150M | 150M |
| Short-Term Debt | 252.22M | 261.91M | 211.25M | 295.96M | 312.46M | 290.96M | 334.86M | 325.65M | 367.67M |
| Other Liabilities | 45.43M | 56.73M | 69.57M | 106.16M | 84.8M | 139.42M | 121.87M | 108.99M | 1.16B |
| Total Current Liabilities | 3.57B | 4.24B | 4.29B | 4.95B | 5.24B | 5.16B | 5.27B | 5.47B | 3.12B |
| Total Non-Current Liabilities | 61.92M | 60.78M | 73.62M | 109.36M | 84.8M | 139.42M | 221.87M | 258.99M | 1.31B |
| Total Liabilities | 3.63B | 4.3B | 4.36B | 5.06B | 5.32B | 5.3B | 5.49B | 5.73B | 5.91B |
| Total Equity | 502.39M▲ 0% | 603.61M▲ 20.1% | 658.38M▲ 9.1% | 701.11M▲ 6.5% | 681.11M▼ 2.9% | 577.85M▼ 15.2% | 677.07M▲ 17.2% | 730.66M▲ 7.9% | 809.68M▲ 10.8% |
| Equity Growth % | 13.54% | 20.15% | 9.07% | 6.49% | -2.85% | -15.16% | 17.17% | 7.92% | 10.81% |
| Equity / Assets (Capital Ratio) | 12.16% | 12.32% | 13.12% | 12.17% | 11.34% | 9.83% | 10.98% | 11.31% | 12.05% |
| Return on Equity (ROE) | 11.5% | 12.66% | 14.16% | 13.18% | 12.74% | 16.22% | 18.23% | 16.64% | 16.94% |
| Book Value per Share | 32.55 | 39.10 | 40.31 | 43.83 | 44.21 | 38.85 | 45.47 | 49.72 | 56.36 |
| Tangible BV per Share | 27.46 | 31.14 | 32.95 | 36.42 | 36.61 | 31.07 | 34.55 | 38.83 | 45.37 |
| Common Stock | 47.62M | 47.62M | 47.62M | 47.62M | 47.62M | 47.62M | 47.62M | 47.62M | 47.62M |
| Additional Paid-in Capital | 140.96M | 169.56M | 170.31M | 171.3M | 170.94M | 170.98M | 177.42M | 176.51M | 174.6M |
| Retained Earnings | 443.48M | 485.97M | 539.25M | 589.99M | 641.83M | 706.7M | 780.3M | 852.76M | 935.05M |
| Accumulated OCI | -5.64M | -14.48M | 5.84M | 31.23M | 14.26M | -131.49M | -110.54M | -115.72M | -76.62M |
| Treasury Stock | -124.91M | -87.89M | -105.04M | -139.04M | -193.54M | -215.96M | -217.74M | -230.5M | -270.97M |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CHCO Cash Flow Statement
City Holding Company (CHCO) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 76.13M | 77.57M | 105.05M | 89.8M | 102.27M | 115.82M | 137.58M | 131.9M | 131.37M |
| Operating CF Growth % | 16.53% | 1.9% | 35.42% | -14.52% | 13.9% | 13.24% | 18.79% | -4.13% | -0.4% |
| Net Income | 54.31M | 70M | 89.35M | 89.59M | 88.08M | 102.07M | 114.36M | 117.1M | 130.49M |
| Depreciation & Amortization | 6.89M | 6.37M | 5.7M | 10.67M | 14.61M | 15.78M | 10.72M | 13.2M | 11.18M |
| Deferred Taxes | 14.91M | -1.24M | 4.94M | 2.64M | 2.19M | 1.47M | -2.76M | 381K | -50K |
| Other Non-Cash Items | -2.12M | -7.92M | -3.94M | -10.32M | -8.89M | -3.54M | 1.96M | 927K | -4.48M |
| Working Capital Changes | 36K | 8.21M | 6.48M | -6.04M | 3.16M | -3.23M | 10.08M | -3.23M | -9.14M |
| Cash from Investing | -171.69M | -168.47M | -108.83M | -285.29M | -191.17M | -410.45M | 14.68M | -252.26M | -269.92M |
| Purchase of Investments | -187.03M | -171.15M | -220.69M | -463.73M | -560.84M | -519.56M | -101.71M | -295.2M | -329.02M |
| Sale/Maturity of Investments | 102.63M | 96.55M | 171.62M | 189.74M | 296.38M | 211.36M | 326.03M | 204.19M | 301.64M |
| Net Investment Activity | -84.4M | -74.6M | -49.07M | -273.98M | -264.47M | -308.2M | 224.32M | -91.01M | -27.38M |
| Acquisitions | 0 | 12.23M | -24.66M | 0 | 0 | 0 | 14.02M | 0 | 0 |
| Other Investing | -80.72M | -95.9M | -30.37M | -5.76M | 76.62M | -100.11M | -220.7M | -158.54M | -239.61M |
| Cash from Financing | 89.93M | 131.38M | 20.94M | 584.01M | 194.87M | -140M | -195.98M | 189.48M | 105.08M |
| Dividends Paid | -27.12M | -29.58M | -35.55M | -36.67M | -36.14M | -36.7M | -39.99M | -43.48M | -47.29M |
| Share Repurchases | 0 | -20.27M | -19.43M | -36.48M | -58.68M | -26.45M | -60.13M | -17.9M | -45.76M |
| Stock Issued | 28.41M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 28.41M | -20.27M | -19.43M | -36.48M | -58.68M | -26.45M | -60.13M | -17.9M | -45.76M |
| Debt Issuance (Net) | 1000K | -1000K | -1000K | 1000K | 1000K | -1000K | 1000K | 1000K | 1000K |
| Other Financing | 84.73M | 190.06M | 126.57M | 576.51M | 273.18M | -55.35M | -233.25M | 210.06M | 156.11M |
| Net Change in Cash | -5.63M▲ 0% | 40.48M▲ 818.9% | 17.15M▼ 57.6% | 388.51M▲ 2165.0% | 105.97M▼ 72.7% | -434.63M▼ 510.1% | -43.72M▲ 89.9% | 69.11M▲ 258.1% | -33.47M▼ 148.4% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 88.14M | 82.51M | 122.99M | 140.14M | 528.66M | 634.63M | 200M | 156.28M | 225.39M |
| Cash at End | 82.51M | 122.99M | 140.14M | 528.66M | 634.63M | 200M | 156.28M | 225.39M | 191.92M |
| Interest Paid | 0 | 24.8M | 37M | 25.4M | 11.1M | 9.47M | 49.13M | 83.8M | 85.78M |
| Income Taxes Paid | 0 | 20.8M | 14.9M | 26.7M | 18.5M | 22.43M | 32.81M | 28.04M | 35.82M |
| Free Cash Flow | 69.55M▲ 0% | 67.38M▼ 3.1% | 100.32M▲ 48.9% | 84.25M▼ 16.0% | 98.95M▲ 17.4% | 113.68M▲ 14.9% | 134.62M▲ 18.4% | 129.19M▼ 4.0% | 128.45M▼ 0.6% |
| FCF Growth % | 16.28% | -3.12% | 48.89% | -16.02% | 17.45% | 14.88% | 18.42% | -4.03% | -0.57% |
CHCO Banking Ratios
City Holding Company (CHCO) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 12.1% | 11.5% | 12.66% | 14.16% | 13.18% | 12.74% | 16.22% | 18.23% | 16.64% | 16.94% |
| Return on Assets (ROA) | 1.36% | 1.34% | 1.55% | 1.8% | 1.66% | 1.5% | 1.72% | 1.9% | 1.85% | 1.98% |
| Net Interest Margin | 3% | 3.05% | 2.82% | 3.21% | 2.69% | 2.59% | 3.06% | 3.55% | 3.41% | 3.52% |
| Efficiency Ratio | 49.17% | 45.43% | 49.36% | 42.99% | 42.89% | 48.43% | 46.43% | 40.69% | 37.37% | 37.55% |
| Equity / Assets | 11.15% | 12.16% | 12.32% | 13.12% | 12.17% | 11.34% | 9.83% | 10.98% | 11.31% | 12.05% |
| Book Value / Share | 29.67 | 32.55 | 39.1 | 40.31 | 43.83 | 44.21 | 38.85 | 45.47 | 49.72 | 56.36 |
| NII Growth | 3.21% | 6.04% | 9.58% | 16.75% | -4.16% | 0.6% | 15.72% | 21.78% | 0.45% | 7.34% |
| Dividend Payout | 49.34% | 49.94% | 42.26% | 39.78% | 40.93% | 41.03% | 35.96% | 34.97% | 37.13% | 36.24% |
CHCO SEC Filings & Documents
City Holding Company (CHCO) SEC filings — annual & quarterly reports (10-K, 10-Q)
CHCO Frequently Asked Questions
City Holding Company (CHCO) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
City Holding Company (CHCO) grew revenue by 5.6% over the past year. This is steady growth.
Yes, City Holding Company (CHCO) is profitable, generating $130.5M in net income for fiscal year 2025 (33.3% net margin).
Dividend & Returns
Yes, City Holding Company (CHCO) pays a dividend with a yield of 2.68%. This makes it attractive for income-focused investors.
City Holding Company (CHCO) has a return on equity (ROE) of 16.9%. This is reasonable for most industries.
Industry Metrics
City Holding Company (CHCO) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.
City Holding Company (CHCO) has an efficiency ratio of 37.5%. This is excellent, indicating strong cost control.
Explore More CHCO
City Holding Company (CHCO) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
Historical returns with dividends reinvested
DCA Calculator
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Dividend History
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Earnings History
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Price History
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Revenue History
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Financial Ratios
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Valuation
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