CITY HOLDING CO
CITY HOLDING CO
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Financial Statements
Values in Millions ($) | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Financial statements beyond 3 years are for subscribers only. Unlock 17+ years of income statements, balance sheets, and cash flow statements Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Cash And Due From Banks | 142 | 136 | 152 | 130 | 146 | 135 | 118 | 161 | 141 | 122 | 123 | 62 | |||||
Interest Bearing Deposits In Banks | 126 | 163 | 40 | 96 | 26 | 250 | 108 | 133 | 77 | 197 | 33 | 49 | |||||
Cash And Cash Equivalents At Carrying Value | 267 | 299 | 192 | 226 | 172 | 385 | 225 | 294 | 218 | 319 | 156 | 111 | |||||
Available For Sale Securities Debt Securities | 1,477 | 1,441 | 1,503 | 1,511 | 1,562 | 1,417 | 1,421 | 1,463 | 1,457 | 1,348 | 1,338 | 1,358 | |||||
Investments | 1,506 | 1,471 | 1,533 | 1,541 | 1,592 | 1,447 | 1,451 | 1,494 | 1,488 | 1,378 | 1,369 | 1,387 | |||||
Notes Receivable Gross | 4,502 | 4,496 | 4,507 | 4,413 | 4,339 | 4,286 | 4,275 | 4,158 | 4,113 | 4,092 | 4,126 | 4,007 | |||||
Loans And Leases Receivable Allowance | - | - | - | - | - | - | - | - | - | - | -23 | - | |||||
Financing Receivable Allowance For Credit Losses | - | -20 | -20 | -20 | -20 | -22 | -22 | -22 | -23 | -22 | -23 | -23 | |||||
Notes Receivable Net | 4,482 | 4,476 | 4,487 | 4,393 | 4,319 | 4,264 | 4,253 | 4,136 | 4,090 | 4,069 | 4,103 | 3,984 | |||||
Bank Owned Life Insurance | 126 | 125 | 124 | 124 | 123 | 122 | 121 | 120 | 120 | 119 | 118 | 118 | |||||
Property Plant And Equipment Net | 67 | 69 | 69 | 70 | 69 | 70 | 71 | 71 | 71 | 72 | 72 | 73 | |||||
Interest Receivable | 21 | 22 | 21 | 22 | 22 | 22 | 21 | 22 | 22 | 22 | 20 | 19 | |||||
Deferred Income Tax Assets Net | 32 | 32 | 30 | 32 | 34 | 35 | 42 | 33 | 44 | 44 | 42 | 59 | |||||
Intangible Assets Net Including Goodwill | 157 | 157 | 158 | 158 | 159 | 160 | 160 | 161 | 161 | 162 | 163 | 163 | |||||
Other Assets | 116 | 110 | 108 | 103 | 108 | 120 | 116 | 104 | 128 | 130 | 124 | 162 | |||||
Assets | 6,774 | 6,760 | 6,722 | 6,668 | 6,598 | 6,623 | 6,459 | 6,434 | 6,341 | 6,314 | 6,168 | 6,076 | |||||
Liabilities | |||||||||||||||||
Deposits | |||||||||||||||||
Deposits Liabilities Bala… | |||||||||||||||||
Noninterest Bearing Deposit Liabilities | 1,422 | 1,411 | 1,414 | 1,377 | 1,383 | 1,366 | 1,344 | 1,340 | 1,355 | 1,359 | 1,343 | 1,333 | |||||
Interest Bearing Deposit … | |||||||||||||||||
Demand Deposit Accounts | 1,322 | 1,346 | 1,339 | 1,339 | 1,334 | 1,356 | 1,335 | 1,351 | 1,333 | 1,330 | 1,291 | 1,320 | |||||
Deposits Savings Deposits | 1,288 | 1,277 | 1,245 | 1,239 | 1,244 | 1,261 | 1,215 | 1,209 | 1,234 | 1,266 | 1,259 | 1,283 | |||||
Time Deposits | 1,309 | 1,310 | 1,303 | 1,303 | 1,288 | 1,276 | 1,249 | 1,203 | 1,146 | 1,100 | 1,041 | 1,009 | |||||
Deposits | 5,340 | 5,344 | 5,301 | 5,258 | 5,249 | 5,258 | 5,144 | 5,103 | 5,067 | 5,056 | 4,934 | 4,945 | |||||
Short Term Borrowings | |||||||||||||||||
Securities Sold Under Agreements To Repurchase | 378 | 375 | 368 | 369 | 340 | 348 | 326 | 339 | 323 | 305 | 310 | 279 | |||||
Long Term Debt | 150 | 150 | 150 | 150 | 150 | 150 | 150 | 150 | 150 | 150 | 100 | 100 | |||||
Federal Funds Purchased | - | - | - | - | - | - | 0 | 0 | 0 | 0 | 25 | - | |||||
Other Liabilities | 97 | 97 | 94 | 92 | 95 | 110 | 109 | 101 | 115 | 121 | 122 | 142 | |||||
Liabilities | 5,965 | 5,966 | 5,912 | 5,869 | 5,834 | 5,867 | 5,729 | 5,693 | 5,655 | 5,632 | 5,491 | 5,466 | |||||
Preferred Stock Value | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Value | 48 | 48 | 48 | 48 | 48 | 48 | 48 | 48 | 48 | 48 | 48 | 48 | |||||
Additional Paid In Capital Common Stock | 175 | 173 | 175 | 174 | 173 | 174 | 177 | 176 | 175 | 176 | 177 | 177 | |||||
Retained Earnings Accumulated Deficit | 975 | 954 | 935 | 916 | 893 | 871 | 853 | 836 | 818 | 799 | 780 | 763 | |||||
Treasury Stock Value | -307 | -300 | -271 | -254 | -254 | -237 | -230 | -231 | -231 | -219 | -218 | -211 | |||||
Accumulated Other Compreh… | |||||||||||||||||
Accumulated Other Comprehensive Income Loss Availa… | -81 | -80 | -76 | -83 | -94 | -99 | -114 | -84 | -120 | -119 | -108 | -163 | |||||
Accumulated Other Comprehensive Income Loss Define… | -1 | -1 | 1 | -1 | -1 | -1 | 1 | -3 | -3 | -3 | 3 | -3 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -82 | -81 | -77 | -84 | -95 | -100 | -116 | -87 | -122 | -122 | -111 | -167 | |||||
Stockholders Equity | 809 | 794 | 810 | 799 | 764 | 756 | 731 | 741 | 687 | 682 | 677 | 610 | |||||
Liabilities And Stockholders Equity | 6,774 | 6,760 | 6,722 | 6,668 | 6,598 | 6,623 | 6,459 | 6,434 | 6,341 | 6,314 | 6,168 | 6,076 | |||||
Preferred Stock Number Of… | |||||||||||||||||
Preferred Stock Par Or Stated Value Per Share | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | 25 | |||||
Preferred Stock Shares Authorized | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Preferred Stock Shares Issued | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | |||||
Common Stock Number Of Sh… | |||||||||||||||||
Common Stock Par Or Stated Value Per Share | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | 2.5 | |||||
Common Stock Shares Authorized | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | 50 | |||||
Common Stock Shares Issued | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | 19 | |||||
Treasury Stock Common Shares | 5 | 5 | 5 | 5 | 5 | 4 | 4 | 4 | 4 | 4 | 4 | 4 | |||||
Available For Sale Debt Securities Amortized Cost … | 1,583 | 1,547 | 1,603 | 1,619 | 1,685 | 1,545 | 1,570 | 1,573 | 1,614 | 1,504 | 1,480 | - | |||||
Debt Securities Available For Sale Allowance For C… | - | - | 0 | - | - | - | 0 | - | 0 | 0 | 0 | 0 | |||||
Stockholders Equity Numbe… | |||||||||||||||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 1.10% | 8.99% | 14.29% | - | - | - | - | - | - | - | - | - |
| 2025 | 0.99% | 5.59% | 10.05% | 7.08% | 5.46% | 2.28% | 1.01% | 3.11% | 1.94% | -4.75% | 4.29% | -0.47% |
| 2024 | -3.03% | 0.80% | 17.72% | 6.13% | 4.31% | 3.72% | -1.63% | -9.30% | -12.65% | 0.72% | -2.32% | 5.46% |
| 2023 | - | - | - | - | - | - | 0.55% | 16.80% | 8.67% | 2.54% | 4.26% | 5.89% |
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Performance and Valuation Metrics
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Metrics | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Metric history beyond 3 years is for subscribers only. Unlock 17+ years of history across 90+ calculated metrics Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | 27.06 | 27.03 | 26.66 | 25.86 | 24.79 | 6.55 | 4.31 | 3.43 | 3.00 | 3.36 | 3.75 | 4.72 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | - | - | - | - | - | - | - | - | - | - | 7.68 | 7.87 | |||||
| Free Cash Flow Per Share TTM | 7.27 | 7.06 | 6.74 | 6.70 | 6.76 | 6.77 | 6.78 | 6.79 | 6.74 | 6.66 | 9.05 | 9.06 | |||||
| Dividend Per Share TTM | 2.57 | 2.65 | 2.48 | 2.43 | 2.38 | 2.34 | 2.28 | 2.23 | 2.19 | 2.15 | 2.69 | 2.61 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 45.43% | -10.55% | -14.17% | -19.87% | -22.43% | -22.90% | -19.72% | -43.39% | -32.92% | -19.85% | -4.64% | 41.60% | |||||
| Operating Profit Margin TTM | 111.18% | 219.80% | 217.35% | 215.10% | 206.76% | 200.78% | 200.74% | 205.83% | 208.02% | 214.50% | 207.20% | 217.33% | |||||
| Net Profit Margin TTM | 89.36% | 176.95% | 175.65% | 175.44% | 168.79% | 163.53% | 162.66% | 165.52% | 166.53% | 171.91% | 165.58% | 174.42% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 103.72% | 3.36% | 3.19% | 3.84% | 3.99% | 3.69% | 4.23% | 3.87% | 2.71% | 2.36% | 1.42% | -0.46% | |||||
| Net Income Growth (1Y) | 7.85% | 11.84% | 11.43% | 10.07% | 5.40% | -1.36% | 2.39% | -1.43% | 0.70% | 13.78% | 12.04% | 24.05% | |||||
| EPS Growth (1Y) | 7.85% | 11.84% | 11.43% | 10.07% | 5.40% | -1.36% | -20.08% | -22.78% | -20.73% | -11.49% | 11.89% | 22.84% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 19.05 | 17.03 | 17.05 | 17.99 | 18.45 | 18.21 | 18.37 | 18.27 | 16.43 | 15.51 | 13.30 | 10.56 | |||||
| P/B TTM | 3.10 | 2.83 | 2.75 | 2.87 | 2.95 | 2.84 | 2.94 | 2.86 | 2.77 | 2.72 | 2.25 | 2.03 | |||||
| P/S TTM | 17.02 | 30.14 | 29.94 | 31.57 | 31.14 | 29.78 | 29.89 | 30.25 | 27.36 | 26.67 | 22.03 | 18.42 | |||||
| Market Cap | 2.51B | 2.25B | 2.22B | 2.30B | 2.25B | 2.15B | 2.15B | 2.12B | 1.90B | 1.85B | 1.52B | 1.24B | |||||
| Enterprise Value | 2.39B | 2.10B | 2.18B | 2.22B | 2.23B | 1.91B | 2.08B | 1.97B | 1.84B | 1.69B | 1.47B | 1.23B | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 138.54M | 134.47M | 128.45M | 127.65M | 128.82M | 128.88M | 129.19M | 129.35M | 128.42M | 126.91M | 134.62M | 135.24M | |||||
| Net Debt | -117.20M | -149.02M | -41.92M | -75.59M | -22.12M | -234.71M | -75.39M | -143.95M | -67.99M | -168.68M | -56.28M | -10.72M | |||||
Per-Share and Margin | |||||||||||||||||
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Turnover Ratios and Averages | |||||||||||||||||
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Growth Rates | |||||||||||||||||
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| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
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| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
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| Net Debt to Equity | |||||||||||||||||
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| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
| NCAV | |||||||||||||||||
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Valuation Ratios | |||||||||||||||||
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| Total Debt | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
CITY HOLDING CO (CHCO) — SEC Financial Statements & Analysis
CITY HOLDING CO (CHCO) is a national commercial banks company, incorporated in WV. CITY HOLDING CO trades on Nasdaq as: CHCO. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), CITY HOLDING CO reported a 103.72% year-over-year revenue growth, a Gross Profit Margin of 45.43% (TTM), a Price-to-Sales (P/S) ratio of 17.02x (TTM), a Price-to-Book (P/B) ratio of 3.10x (TTM), at a market cap of $2.51B. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 103.72%
- Gross Profit Margin TTM
- 45.43%
- P/S TTM
- 17.02x
- P/B TTM
- 3.10x
- Market Cap
- $2.51B
Data as of 2026-06-30 · Source: SEC EDGAR
Frequently Asked Questions
What industry is CITY HOLDING CO in?
CITY HOLDING CO (CHCO) operates in the National Commercial Banks industry.
What is CHCO's market cap?
CITY HOLDING CO (CHCO) has a market capitalization of $2.51B as of 2026-06-30.
What is CHCO's P/E ratio?
CITY HOLDING CO (CHCO)'s trailing twelve month P/E ratio is 19.05x as of 2026-06-30.
What exchange does CHCO trade on?
CITY HOLDING CO (CHCO) trades on the Nasdaq.
Where is CITY HOLDING CO incorporated?
CITY HOLDING CO is incorporated in WV.