City Holding Co
CHCO Nasdaq· National Commercial Banks
Last close · Oct 23, 2026
$142.01
KIRA · Stoqly’s AI analyst, in plain words
- City Holding Co had $74.3M of revenue in fiscal 2025, up 3.2% on the year before. Over five years, revenue changed +3.9% a year on average.
- City Holding Co made $130M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 11.1% a year.
- City Holding Co returned $93.1M to shareholders in fiscal 2025, 72% of free cash flow. The diluted share count fell 1.5%.
- It earned 16.9% on shareholders’ money. Running costs took 207.4% of revenue (the efficiency ratio; lower is better).
Market cap
$2.0B
P/E
15.6x
Revenue
$74.3M
Net income
$130M
Return on equity
16.9%
Efficiency ratio
207.4%
City Holding Co in 30 seconds · fiscal 2025
Are sales growing?
+3.2%
Only a little. Sales grew 3.2% last year.
Does it make a profit?
175.6%
Yes. It keeps 175.6% of every sale as profit.
How lean are its costs?
207.4%
Costly. Running costs take 207.4% of revenue.
How much does it earn on its capital?
16.9%
Good. It earns 16.9% a year on shareholders’ money.
How is the share priced?
15.6x
One share costs 15.6 times its yearly profit per share.
What City Holding Co does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 25, 2026
- Legal name
- CITY HOLDING CO
- CIK
- 0000726854
City Holding Co · CHCO
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $64.9M | $68.1M | $69.1M | $72.0M | $74.3M |
| Revenue growth | 6.1% | 4.9% | 1.4% | 4.2% | 3.2% |
| Net interest income | $156M | $180M | $219M | $220M | $236M |
| Net income | $88.1M | $102M | $114M | $117M | $130M |
| Net margin | 135.7% | 149.9% | 165.6% | 162.7% | 175.6% |
| Diluted EPS | $5.66 | $6.80 | $7.61 | $7.89 | $8.93 |
| Cash | |||||
| Cash from operations | $102M | $116M | $138M | $132M | $131M |
| Capital expenditure | $3.3M | $2.1M | $3.0M | $2.7M | $2.9M |
| Free cash flow | $99.0M | $114M | $135M | $129M | $128M |
| FCF margin | 152.4% | 166.9% | 194.9% | 179.5% | 172.9% |
| Dividends paid | $36.1M | $36.7M | $40.0M | $43.5M | $47.3M |
| Share buybacks | $58.7M | $26.4M | $60.1M | $17.9M | $45.8M |
| Share count change | −3.7% | −3.5% | 0.1% | −1.3% | −1.5% |
| Debt and strength | |||||
| Cash and short-term investments | $635M | $200M | $156M | $225M | $192M |
| Debt incl. finance leases | — | $0.0M | $100M | $150M | $150M |
| Loans, net | $3.5B | $3.6B | $4.1B | — | — |
| Deposits | $4.9B | $4.9B | $4.9B | $5.1B | $5.3B |
| Shareholders' equity | $681M | $578M | $677M | $731M | $810M |
| Returns and quality | |||||
| Return on equity | 12.7% | 16.2% | 18.2% | 16.6% | 16.9% |
| Return on tangible equity | 15.5% | 21.9% | 22.0% | 20.3% | 19.8% |
| Efficiency ratio | 180.5% | 182.5% | 207.8% | 204.5% | 207.4% |
| Piotroski F-score | — | — | 4 | 4 | 6 |
Insiders bought, 12 months
$0.3M
5 insiders
Insiders sold, 12 months
$2.8M
5 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
City Holding Co · CHCO
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $142.01 a share, the company is worth $2.0B: 15.6 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000726854). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.