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CHCO

City Holding Company

CHCO

City Holding Company • NASDAQ
$121.31 ▼ -0.53% (-0.65)
Market Cap $1.76 B
52w High $133.59
52w Low $102.22
Dividend Yield 3.24%
P/E 13.96
Volume 45.51K
Outstanding Shares 14.54M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $100.016M ▲ $35.687M ▼ $35.188M ▲ 35.182% ▲ $2.41 ▲ $45.8M ▲
Q2-2025 $97.032M ▲ $36.504M ▲ $33.387M ▲ 34.408% ▲ $2.29 ▲ $44.734M ▲
Q1-2025 $93.976M ▲ $35.486M ▲ $30.342M ▲ 32.287% ▲ $2.06 ▲ $40.054M ▲
Q4-2024 $93.294M ▼ $35.272M ▼ $28.654M ▼ 30.714% ▼ $1.94 ▼ $38.819M ▼
Q3-2024 $96.107M $35.346M $29.809M 31.016% $2.02 $39.916M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $1.023B ▼ $6.668B ▲ $5.869B ▲ $798.943M ▲
Q2-2025 $1.046B ▼ $6.598B ▼ $5.834B ▼ $764.215M ▲
Q1-2025 $1.113B ▲ $6.623B ▲ $5.867B ▲ $756.336M ▲
Q4-2024 $240.798M ▼ $6.459B ▲ $5.729B ▲ $730.664M ▼
Q3-2024 $296.337M $6.434B $5.693B $741.299M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $35.188M ▲ $37.293M ▲ $-10.138M ▲ $26.315M ▲ $53.47M ▲ $35.753M ▲
Q2-2025 $33.387M ▲ $28.22M ▼ $-192.051M ▼ $-48.75M ▼ $-212.581M ▼ $27.832M ▼
Q1-2025 $30.342M ▲ $31.514M ▼ $12.658M ▲ $115.144M ▲ $159.316M ▲ $31.261M ▼
Q4-2024 $28.654M ▼ $33.76M ▼ $-119.082M ▼ $16.762M ▼ $-68.56M ▼ $32.804M ▼
Q3-2024 $29.809M $37.646M $-2.821M $41.138M $75.963M $36.998M

Revenue by Products

Product Q4-2024Q1-2025Q2-2025Q3-2025
Debit Card
Debit Card
 $10.00M ▲$10.00M ▲$10.00M ▲$10.00M ▲
Deposit Account
Deposit Account
 $10.00M ▲$10.00M ▲$10.00M ▲$10.00M ▲
Fiduciary and Trust
Fiduciary and Trust
 $10.00M ▲$0 ▼$0 ▲$0 ▲

Five-Year Company Overview

Income Statement

Income Statement City Holding’s income statement shows a steady, measured growth story. Revenue has trended upward over the last several years after a brief soft patch, and profits have generally followed the same path. Margins look healthy for a regional bank, suggesting disciplined cost control and solid pricing on loans and services. Earnings per share have climbed meaningfully over time, which signals both growing profitability and shareholder-friendly capital management. There are no signs of boom‑and‑bust behavior; instead, the pattern is slow, consistent improvement, which fits a conservative banking model.

Balance Sheet

Balance Sheet The balance sheet reflects a relatively conservative bank that has grown gradually while keeping its foundation solid. Total assets have inched higher over time, pointing to careful expansion rather than aggressive balance sheet growth. Debt levels have risen in recent years, which modestly increases financial leverage, but shareholder equity has also rebuilt and now sits comfortably above earlier levels. Cash holdings are lower than a few years ago but not alarmingly so; for a bank, liquidity is also supported by its securities and loan book, not just cash. Overall, the balance sheet suggests a cautious, well‑managed institution, though the recent rise in debt bears watching if growth slows or credit conditions worsen.

Cash Flow

Cash Flow Cash generation aligns well with reported profits, which is a good sign for a bank. Operating cash flow has trended upward over the period, with only a small step back most recently, indicating that earnings are being backed by cash, not just accounting. Free cash flow is very close to operating cash flow, reflecting low capital spending needs typical for a financial institution. This leaves management with flexibility for dividends, buybacks, or acquisitions. The key takeaway is that CHCO converts a high share of its earnings into usable cash, supporting its reputation for steady, dependable performance.

Competitive Edge

Competitive Edge City Holding operates as a classic community‑focused regional bank with a strong presence in its core states. Its edge comes less from size and more from deep local relationships, a loyal deposit base, and a conservative lending culture that has historically kept credit problems in check. The bank also benefits from a meaningful contribution from fee-based businesses like wealth management and trust services, which reduce reliance on interest income alone. However, its regional footprint means it is tied closely to the health of its local economies and faces ongoing competition from larger national banks and digital‑only players that may undercut on price or convenience. The company’s disciplined approach and diversified revenue mix help offset these pressures, but scale will always be more regional than national.

Innovation and R&D

Innovation and R&D City Holding is not a disruptive innovator, but it has kept pace with mainstream banking technology. Its mobile and online platforms, interactive teller machines, and treasury management tools give both retail and commercial customers a convenient, modern experience. These offerings are fairly standard across the industry, yet they are meaningful in the smaller markets where CHCO operates and can strengthen customer loyalty. The bank appears to focus its technology spending on practical improvements to service and efficiency rather than big, risky bets. The main opportunity is to continue enhancing digital features and personalizing services, possibly through partnerships, to avoid falling behind faster‑moving fintech and larger bank competitors.

Summary

Overall, City Holding presents as a disciplined, regionally focused bank with a track record of steady earnings growth, cautious balance sheet management, and strong cash generation. Its strengths lie in conservative credit practices, deep community ties, and a helpful mix of interest and fee-based income, especially from wealth management. The business model is intentionally low‑drama rather than high‑growth. Key risks include sensitivity to regional economic conditions, rising leverage compared with earlier years, competitive pressure from bigger and more tech‑advanced institutions, and the need to keep its digital offerings evolving. The story is one of stability and incremental progress rather than transformational change.

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