Pricing Log in Create free account
Friday 6 November 2026 Export CHCO’s income statement to Excel — free account

City Holding Company

CHCO Financial Banks Regional

City Holding Company’s revenue for fiscal 2025 (year ended December 2025) was $399.0 million, up 5.06% from fiscal 2024.

Revenue
+1.16%
EPS
+1.24%
Free cash flow
−0.06%
Total debt
0.00%

Quarter to September 2026, against a year earlier

141.70 2.84 −1.96%
Market cap
$2.0B
P/E
15.5×
Fwd P/E
15.2×
Dividend yield
2.55%
F-score
9/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Bought, $m 0.28
Sold, $m 2.56
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — 5 4 1 — 4 — — 4 —
Sell — — 1 — 3 5 — 1 1 — — 1
Insider Ownership 1.62%

Capital & Financial Ratios $m

Size
Market Cap 2,000.00
Revenue ttm 402.42
Net income ttm 131.21
Free cash flow ttm 140.80
Net debt Q (51.38)
Valuation
P/E 15.45
Forward P/E 15.20
Price / sales 4.94
Forward P/S Powerpack
Price / FCF 14.38
Price / book 2.54
Financial health
Current ratio Q 0.00
Debt / equity Q 0.19
Interest coverage Q —
Growth
Revenue growth Q +1.16% (above 0%: growing)
Operating income growth Q −1.41% (below 0%: shrinking)
EPS, this year +3.90%
EPS, next year A +5.35%
Revenue, next year A −17.31% (below 0%: weak)
EPS, past 5 yrs +9.98%
EPS, next 5 yrs A +4.96%

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 62.27%
10-year low 10-year high
P/S against its own 10 years 54.20%
10-year low 10-year high
P/B against its own 10 years 95.60%
10-year low 10-year high

Dividends raised every year since 2018

Yield
2.55%
Annual rate
3.61
Payout ratio
39.4%
Growth, 2018–26
+8.28%/yr
  1. 1.91 ’18
  2. 2.16 ’19 +13
  3. 2.28 ’20 +6
  4. 2.32 ’21 +2
  5. 2.45 ’22 +6
  6. 2.67 ’23 +9
  7. 2.94 ’24 +10
  8. 3.24 ’25 +10
  9. 3.61 ’26 +11
paid change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 156 225 192 201
Receivables — — — —
Inventory — — — —
Other — — — —
4,280 4,499 4,700 4,752
2023 2024 2025 Q'26
Payables 4,934 5,144 5,301 5,358
ST’ Debt — — — —
Other — — — —
5,269 5,470 5,669 —

Compound Annual Growth %

10y 5y 3y
Sales 7.46% 8.86% 15.08%
Cash Flow 10.62% 7.91% 4.29%
Earnings 9.20% 7.81% 8.87%
Book Value 6.80% 2.92% 11.90%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 2.38 Actual 2.43

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q4 FY25 2.29 2.18 Miss by 0.11
Q1 FY26 2.17 2.20 Beat by 0.03
Q2 FY26 2.22 2.35 Beat by 0.13
Q3 FY26 2.38 2.43 Beat by 0.05
Q4 FY26 2.39 — Reports 20 January 2027

EPS $

Mar Jun Sep Dec Year
’26 2.20 2.35 2.43 — —
’25 2.06 2.29 2.41 2.18 8.93
’24 1.97 1.96 2.02 1.94 7.89
’23 1.63 2.16 1.98 1.84 7.61
’22 1.41 1.51 1.83 2.05 6.80
’21 1.25 1.41 1.47 1.54 5.66
’20 1.78 1.12 1.25 1.40 5.55
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 98 101 — — —
’25 96 100 102 101 399
’24 92 95 98 95 380
’23 80 88 88 86 342
’22 57 61 69 75 262
’21 58 58 60 60 235
’20 82 59 60 60 261
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 38 33 36 — —
’25 32 28 37 34 131
’24 32 28 38 34 132
’23 40 27 37 34 138
’22 28 17 36 34 116
’21 19 21 33 29 102
’20 23 27 12 27 90
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 37 33 36 — —
’25 31 28 36 34 128
’24 32 28 37 33 129
’23 39 27 36 33 135
’22 28 16 36 34 114
’21 18 20 33 28 99
’20 20 27 12 27 85
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

3
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 191 207 224 266 261 235 262 342 380 399 402 +8.5% 330 340 352 (4.1%)
Gross margin, % 93.08 91.86 88.55 86.35 90.95 95.79 96.31 84.78 77.30 78.74 80.00 (14.3) pt
EBT 77 91 88 113 111 111 127 143 145 161 163 +8.5%
EBT margin, % 40.43 43.94 39.21 42.63 42.66 47.29 48.64 41.86 38.05 40.47 0.00 0.0 pt
Net income 52 54 70 89 90 88 102 114 117 130 131 +10.7%
Per share, $
Per share, $ Revenue 12.82 13.40 14.56 16.32 16.33 15.29 17.63 23.00 25.88 27.57 0.00 +8.9%
Earnings 3.46 3.49 4.50 5.43 5.55 5.67 6.81 7.62 7.91 8.94 9.17 +11.1%
Cash flow 4.38 4.94 5.03 6.44 5.62 6.65 7.80 9.25 8.99 9.08 10.04 +8.4%
Capex (0.31) (0.23) (0.41) (0.25) (0.32) (0.19) (0.13) (0.18) (0.18) (0.20) 0.00 (4.9%)
Free cash flow 4.07 4.71 4.62 6.19 5.30 6.46 7.67 9.07 8.81 8.88 10.04 +9.1%
Book value 29.69 32.60 38.96 40.33 43.89 44.28 38.92 45.54 49.79 55.94 55.72 +7.3%
Shares, m 15 15 15 16 16 15 15 15 15 14 14 (0.3%)
Valuation, ×
Valuation, × P/E 19.46 19.17 14.99 15.09 12.51 14.43 13.57 14.64 15.00 13.33 15.45 15.2
P/S 5.25 4.99 4.64 5.02 4.26 5.35 5.25 4.84 4.58 4.32 4.94 4.9
P/B 2.27 2.05 1.74 2.03 1.58 1.85 2.38 2.45 2.38 2.13 2.54 2.1
EV/Sales 5.21 4.94 4.29 4.51 2.27 2.69 4.52 4.68 4.38 4.22 — 4.2
EV/FCF 16.42 14.04 13.52 11.90 6.99 6.38 10.40 11.86 12.87 13.10 — 11.7
Cash, $m
Cash, $m Operating cash flow 65 76 78 105 90 102 116 138 132 131 141 +8.1%
Capex (5) (4) (6) (4) (5) (3) (2) (3) (3) (3) (3) (5.2%)
Free cash flow 61 73 71 101 85 99 114 135 129 128 141 +8.7%
Balance, $m
Balance, $m Working capital (293) (314) (490) (531) (806) (1,062) (1,313) (989) (971) (969) 4,752 +14.2%
Net debt (8) (12) (79) (136) (529) (635) (200) (56) (75) (42) (51) +21.0%
Shareholders’ equity 442 503 601 658 701 681 578 677 731 810 782 +6.9%
Returns, %
Returns, % ROA 1.35 1.32 1.54 1.79 1.66 1.48 1.70 1.90 1.85 1.98 0.00 +0.6 pt
ROIC 11.10 11.56 12.13 13.69 40.34 149.54 21.11 14.93 13.78 13.14 13.98 +2.0 pt
ROE 12.10 11.37 12.57 14.07 13.18 12.62 16.06 18.23 16.64 16.94 0.00 +4.8 pt
People
People Employees 847 839 891 918 926 905 929 973 963 950 — +1.3%
Revenue/emp, $m 0.23 0.25 0.25 0.29 0.28 0.26 0.28 0.35 0.39 0.42 — +7.2%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026 · fundamentals updated 4 Nov 2026

City Holding Company vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
OFG OFG Bancorp $2.1B 9.6× 9.4× −1.39% (below 0%: shrinking) +14.53% (above 0%: growing) +41.84% (above 0%: growing) 81.53% 0.00% Compare
SRCE 1st Source Corporation $2.1B 12.0× 11.6× +3.41% (above 0%: growing) +18.71% (above 0%: growing) +38.99% (above 0%: growing) 76.13% 0.00% Compare
FCF First Commonwealth Financial Corporation $2.0B 12.8× 12.0× +0.78% (above 0%: growing) +37.50% (above 0%: growing) −98.48% (below 0%: shrinking) 75.67% 0.00% Compare
CHCO City Holding Company $2.0B 15.5× 15.2× +1.16% (above 0%: growing) +1.24% (above 0%: growing) −0.06% (below 0%: shrinking) 80.74% 0.00%
TBBK The Bancorp, Inc. $2.0B 8.4× 7.8× −18.88% (below 0%: shrinking) +28.59% (above 0%: growing) −31.16% (below 0%: shrinking) 100.00% 0.00% Compare
GABC German American Bancorp, Inc. $1.9B 13.3× 12.4× +3.05% (above 0%: growing) +21.43% (above 0%: growing) +110.42% (above 0%: growing) 78.75% 0.00% Compare
HAPN Happen Inc. $1.9B 8.9× 8.2× +2.52% (above 0%: growing) +31.59% (above 0%: growing) +10.37% (above 0%: growing) 73.43% 0.00% Compare
DCOM Dime Community Bancshares, Inc. $1.9B 13.8× 12.4× +5.20% (above 0%: growing) +52.54% (above 0%: growing) +106.33% (above 0%: growing) 68.53% 0.00% Compare
OCFC OceanFirst Financial Corp. $1.8B 21.6× 16.6× +32.21% (above 0%: growing) n/m +27.08% (above 0%: growing) 59.64% 0.00% Compare
Median of peers $1.9B 12.4× 11.8× +2.79% +28.59% +33.04% 75.90% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 27 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.92m 2.28m 197.76
2024 1.91m 2.45m 168.04
2023 1.89m 2.73m 128.53
2022 1.70m 2.43m 124.92
2021 1.46m 1.84m 106.52

Ownership

Directors and executive officers, together 1.75%
BlackRock, Inc.55 East 14.50%
The Vanguard Group, Inc.100 Vanguard Blvd.Malvern, PA 12.04%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

City Holding Company (CHCO) Latest News

27 Oct

Impact 3 · · Simply Wall St.

26 Oct

Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · Associated Press

21 Oct

Impact 3 · · Zacks

16 Oct

Impact 3 · · Zacks

14 Oct

Impact 3 · · Zacks

5 Oct

Impact 3 · · Simply Wall St.

30 Sep

Impact 3 · · Business Wire
Impact 3 · · Business Wire
Impact 3 · · Zacks

28 Sep

Impact 3 · · Simply Wall St.

16 Sep

Impact 3 ·

26 Jul

Impact 3 ·

24 Apr

Impact 3 · · Zacks

23 Apr

Impact 3 · · Zacks
Impact 3 · · Business Wire

15 Apr

Impact 3 · · Zacks

25 Mar

Impact 4 · · Business Wire

1 Mar

Impact 3 · · Simply Wall St.

2 Feb

Impact 3 · · StockStory

23 Jan

Impact 4 · · Zacks

22 Jan

Impact 4 ·

21 Jan

Impact 4 · · Associated Press Finance
Impact 4 · · Business Wire
Impact 3 · · Zacks
Impact 3 · · Zacks
Impact 3 · · StockStoryStockStoryAssociated Press FinanceMT NewswiresStockStoryStockStoryStockStoryStockStory

18 Jan

Impact 3 · · StockStory

24 Dec

Impact 3 · · Simply Wall St.

CHCO metrics, ten years each

stockrow.com/CHCO · Data as of Nov 4, 2026 · For information only; not investment advice. · © 2026 stockrow.com