City Holding Company (CHCO) Earnings History
Annual and quarterly earnings data from 1989 to 2025
Loading earnings history...
CHCO EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CHCO Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 79.0% | 41.5% | 33.3% |
| 2024 | 76.3% | 38.9% | 31.5% |
| 2023 | 83.5% | 42.8% | 34.2% |
| 2022 | 96.0% | 49.8% | 39.9% |
| 2021 | 97.1% | 48.6% | 38.5% |
Download Data
Export CHCO earnings history in CSV or JSON format
Free sign-in required to download data
City Holding Company (CHCO) Earnings Overview
As of May 8, 2026, City Holding Company (CHCO) reported trailing twelve-month net income of $130M, reflecting +13.3% year-over-year growth. The company earned $9.08 per diluted share over the past four quarters, with a net profit margin of 33.3%.
Looking at the long-term picture, CHCO's 5-year EPS compound annual growth rate (CAGR) stands at +10.0%, showing solid earnings momentum. The company achieved its highest annual net income of $130M in fiscal 2025, representing a new all-time high.
City Holding Company maintains industry-leading profitability with a gross margin of 79.0%, operating margin of 41.5%, and net margin of 33.3%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including FFIN ($243M net income, 30.2% margin), WSFS ($287M net income, 21.1% margin), SFNC (-$398M net income, -63.4% margin), CHCO has outperformed on profitability metrics. Compare CHCO vs FFIN →
CHCO Earnings vs Peers
Earnings metrics vs comparable public companies
CHCO Historical Earnings Data (1989–2025)
37 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $130M | +11.4% | $163M | $8.94 | 33.3% | 41.5% |
| 2024 | $117M | +2.4% | $145M | $7.89 | 31.5% | 38.9% |
| 2023 | $114M | +12.0% | $143M | $7.61 | 34.2% | 42.8% |
| 2022 | $102M | +15.9% | $127M | $6.80 | 39.9% | 49.8% |
| 2021 | $88M | -1.7% | $111M | $5.66 | 38.5% | 48.6% |
| 2020 | $90M | +0.3% | $111M | $5.55 | 35.1% | 43.6% |
| 2019 | $89M | +27.6% | $113M | $5.42 | 34.3% | 43.5% |
| 2018 | $70M | +28.9% | $88M | $4.53 | 31.8% | 40.0% |
| 2017 | $54M | +4.2% | $91M | $3.48 | 26.8% | 44.8% |
| 2016 | $52M | -3.6% | $77M | $3.45 | 27.9% | 41.4% |
See CHCO's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs CHCO Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare CHCO vs BRK-A
Side-by-side business, growth, and profitability comparison vs Berkshire Hathaway Inc..
Start ComparisonCHCO — Frequently Asked Questions
Quick answers to the most common questions about buying CHCO stock.
Is CHCO growing earnings?
CHCO EPS stands at $9.08, with +13.3% growth matching the 5-year CAGR of +10.0%. TTM net income is $130M. Earnings trajectory remains consistent.
What are CHCO's profit margins?
City Holding Company net margin is +33.3%, with operating margin at +41.5%. Above-average margins indicate pricing power.
How consistent are CHCO's earnings?
CHCO earnings data spans 1989-2025. The current earnings trend is +13.3% YoY. Historical data enables comparison across business cycles.