CHCO · City Holding Co - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $1.12M | - | - | - | $1.05M | - | - | - | $1.07M | - |
| Operating Income | $39.26M | - | $43.85M | $41.16M | $36.92M | - | $37.12M | $36.26M | $36.66M | - |
| Interest Expense | - | - | - | - | - | - | - | $21.36M | $19.14M | - |
| Income Tax | $7.53M | - | $8.66M | $7.77M | $6.58M | - | $7.31M | $7.15M | $7.13M | - |
| Net Income | $31.73M | - | $35.19M | $33.39M | $30.34M | - | $29.81M | $29.11M | $29.52M | - |
| EPS - Basic | $2.20 | - | $2.41 | $2.29 | $2.06 | - | $2.02 | $1.96 | $1.98 | - |
| EPS - Diluted | $2.20 | - | $2.41 | $2.29 | $2.06 | - | $2.02 | $1.96 | $1.97 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $299.02M | $191.92M | $225.59M | $172.12M | $384.70M | $225.39M | $293.95M | $217.99M | $318.68M | $156.28M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $6.76B | $6.72B | $6.67B | $6.60B | $6.62B | $6.46B | $6.43B | $6.34B | $6.31B | $6.17B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | $150.00M | $150.00M | $150.00M | $150.00M | $150.00M | $150.00M | $150.00M | $150.00M | $150.00M | $100.00M |
| Total Liabilities | $5.97B | $5.91B | $5.87B | $5.83B | $5.87B | $5.73B | $5.69B | $5.65B | $5.63B | $5.49B |
| Stockholders' Equity | $794.39M | $809.68M | $798.94M | $764.22M | $756.34M | $730.66M | $741.30M | $686.74M | $682.23M | $677.07M |
| Retained Earnings | $954.41M | $935.05M | $915.97M | $893.42M | $871.41M | $852.76M | $835.78M | $817.55M | $799.02M | $780.30M |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $38.01M | - | - | - | $31.51M | - | - | - | $32.17M | - |
| Investing Cash Flow | $65.18M | - | - | - | $12.66M | - | - | - | $2.95M | - |
| Financing Cash Flow | $3.91M | - | - | - | $115.14M | - | - | - | $127.29M | - |
| CapEx | $726.0K | - | - | - | $253.0K | - | - | - | $596.0K | - |
| Free Cash Flow | $37.28M | - | - | - | $31.26M | - | - | - | $31.57M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | - | - | - | - | - | - | - | - | - | - |
| Free cash flow margin | - | - | - | - | - | - | - | - | - | - |
| FCF / Net income | 1.17 | - | - | - | 1.03 | - | - | - | 1.07 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 19.2% | - | 19.7% | 18.9% | 17.8% | - | 19.7% | 19.7% | 19.5% | - |
| Return on assets | 0.5% | - | 0.5% | 0.5% | 0.5% | - | 0.5% | 0.5% | 0.5% | - |
| Return on equity | 4.0% | - | 4.4% | 4.4% | 4.0% | - | 4.0% | 4.2% | 4.3% | - |
| Return on invested capital | 3.4% | - | 3.7% | 3.7% | 3.3% | - | 3.3% | 3.5% | 3.5% | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | 0.19 | 0.19 | 0.19 | 0.20 | 0.20 | 0.21 | 0.20 | 0.22 | 0.22 | 0.15 |
| Debt / Assets | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 | 0.02 |
| Debt / EBITDA | 3.71 | - | - | - | 3.95 | - | - | - | 3.98 | - |
| Interest coverage | - | - | - | - | - | - | - | 1.7x | 1.9x | - |
| Equity multiplier | 8.51 | 8.30 | 8.35 | 8.63 | 8.76 | 8.84 | 8.68 | 9.23 | 9.26 | 9.11 |
| Liabilities / Assets | 0.88 | 0.88 | 0.88 | 0.88 | 0.89 | 0.89 | 0.88 | 0.89 | 0.89 | 0.89 |
| Efficiency | ||||||||||
| Asset turnover | - | - | - | - | - | - | - | - | - | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 54.3x | - | 51.4x | 53.5x | 57.0x | - | 58.1x | 54.2x | 52.9x | - |
| P / B | 2.1x | - | 2.2x | 2.3x | 2.3x | - | 2.3x | 2.3x | 2.3x | - |
| P / S | - | - | - | - | - | - | - | - | - | - |
| EV / EBITDA | 38.6x | - | - | - | 39.1x | - | - | - | 36.5x | - |
| Growth | ||||||||||
| Revenue growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (3y) | - | - | - | - | - | - | - | - | - | - |
| Revenue CAGR (5y) | - | - | - | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | 6.4% | - | 18.1% | 13.5% | 0.7% | - | -1.8% | -10.7% | 19.8% | - |
| Net income growth (YoY) | 4.6% | - | 18.0% | 14.7% | 2.8% | - | -0.1% | -11.1% | 21.3% | - |
| EPS growth (YoY) | 6.8% | - | 19.3% | 16.8% | 4.6% | - | 2.0% | -9.3% | 20.9% | - |
| EPS CAGR (3y) | 10.5% | - | 9.6% | 14.9% | 13.5% | - | 11.2% | 11.6% | 16.4% | - |
| EPS CAGR (5y) | 12.0% | - | 14.0% | 15.4% | 3.0% | - | 8.2% | 7.3% | 8.7% | - |
| FCF growth (YoY) | 19.3% | - | - | - | -1.0% | - | - | - | -19.6% | - |
| FCF CAGR (5y) | 15.2% | - | - | - | -3.5% | - | - | - | 10.9% | - |
| Book value growth (YoY) | 5.0% | 10.8% | 7.8% | 11.3% | 10.9% | 7.9% | 21.5% | 7.9% | 4.8% | 17.2% |
Peer comparison
Same SIC group: National Commercial Banks
Comparing CITY HOLDING CO against the 5 most active filers in the same SIC group.
Dividends
$3.40/share trailing 12 months · +10.2% YoY
| Ex-date | Per share |
|---|---|
| Apr 15, 2026 | $0.8700 |
| Jan 15, 2026 | $0.8700 |
| Oct 15, 2025 | $0.8700 |
| Jul 15, 2025 | $0.7900 |
| Apr 15, 2025 | $0.7900 |
| Jan 15, 2025 | $0.7900 |
| Oct 15, 2024 | $0.7900 |
| Jul 15, 2024 | $0.7150 |
| Apr 12, 2024 | $0.7150 |
| Jan 11, 2024 | $0.7150 |
| Oct 12, 2023 | $0.7150 |
| Jul 13, 2023 | $0.6500 |
| Apr 13, 2023 | $0.6500 |
| Jan 12, 2023 | $0.6500 |
| Oct 13, 2022 | $0.6500 |
| Jul 14, 2022 | $0.6000 |
| Apr 13, 2022 | $0.6000 |
| Jan 13, 2022 | $0.6000 |
| Oct 14, 2021 | $0.5800 |
| Jul 14, 2021 | $0.5800 |
| Apr 14, 2021 | $0.5800 |
| Jan 14, 2021 | $0.5800 |
| Oct 14, 2020 | $0.5700 |
| Jul 14, 2020 | $0.5700 |