Saturday 17 October 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. In the quarter to June 2026, revenue grew 1.16%, EPS grew 2.62%, free cash flow grew 19.2% and total debt was flat, each against the same quarter a year earlier. Dividend growth for twenty-five consecutive years, revenue growth for three; insiders bought in the last twelve months.
141.69
0.75
+0.53%
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
19.46 | 19.17 | 14.99 | 15.09 | 12.51 | 14.43 | 13.57 | 14.64 | 15.00 | 13.33 |
Piotroski F-Score |
5 | 5 | 5 | 6 | 6 | 6 | 8 | 6 | 6 | 9 |
P/S ratio |
5.25 | 4.99 | 4.64 | 5.02 | 4.26 | 5.35 | 5.25 | 4.84 | 4.58 | 4.32 |
P/FCF ratio |
16.54 | 14.20 | 14.63 | 13.25 | 13.11 | 12.67 | 12.07 | 12.28 | 13.45 | 13.43 |
P/Operating CF |
57.30 | 47.73 | 47.95 | 46.59 | 40.55 | 44.02 | 40.37 | 49.39 | 51.51 | 50.23 |
P/B ratio |
2.27 | 2.05 | 1.74 | 2.03 | 1.58 | 1.85 | 2.38 | 2.45 | 2.38 | 2.13 |
Price to Tangible BV |
2.76 | 2.43 | 2.18 | 2.49 | 1.91 | 2.23 | 2.97 | 3.22 | 3.05 | 2.65 |
EV/Sales |
5.21 | 4.94 | 4.29 | 4.51 | 2.27 | 2.69 | 4.52 | 4.68 | 4.38 | 4.22 |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
15.24 | 13.39 | 12.42 | 11.43 | 6.60 | 6.19 | 10.23 | 11.63 | 12.61 | 12.81 |
EV/FCF |
16.42 | 14.04 | 13.52 | 11.90 | 6.99 | 6.38 | 10.40 | 11.86 | 12.87 | 13.10 |
Quick Ratio |
0.03 | 0.02 | 0.03 | 0.03 | 0.11 | 0.12 | 0.04 | 0.03 | 0.04 | 0.03 |
Current Ratio |
0.91 | 0.91 | 0.88 | 0.88 | 0.84 | 0.80 | 0.75 | 0.81 | 0.82 | 0.83 |
Net Debt/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Debt/Assets |
2.02% | 1.71% | 0.90% | 0.08% | 0.00% | 0.00% | 0.00% | 1.62% | 2.32% | 2.23% |
Debt/Equity |
0.18 | 0.14 | 0.07 | 0.01 | 0.00 | 0.00 | 0.00 | 0.15 | 0.21 | 0.19 |
Asset Turnover |
0.05 | 0.05 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.06 | 0.06 | 0.06 |
Operating CF/Net income |
1.25 | 1.42 | 1.12 | 1.19 | 1.00 | 1.17 | 1.15 | 1.20 | 1.13 | 1.01 |
Capex/Depreciation |
(0.66) | (0.51) | (0.99) | (0.72) | (0.47) | (0.20) | (0.12) | (0.25) | (0.20) | (0.26) |
| 12.10% | 11.37% | 12.57% | 14.07% | 13.18% | 12.62% | 16.06% | 18.23% | 16.64% | 16.94% | |
| 1.35% | 1.32% | 1.54% | 1.79% | 1.66% | 1.48% | 1.70% | 1.90% | 1.85% | 1.98% | |
ROIC |
11.10% | 11.56% | 12.13% | 13.69% | 40.34% | 149.54% | 21.11% | 14.93% | 13.78% | 13.14% |
Return on Tangible Assets |
(23.95%) | (22.30%) | (16.83%) | (19.51%) | (12.29%) | (8.83%) | (8.14%) | (12.47%) | (13.01%) | (14.50%) |
Average Days of Receivables |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
52.66% | 47.93% | 43.44% | 43.42% | 48.29% | 48.50% | 47.56% | 41.42% | 39.25% | 38.27% |
Intangible Assets out of Total Assets |
0.02 | 0.02 | 0.03 | 0.02 | 0.02 | 0.02 | 0.02 | 0.03 | 0.02 | 0.02 |
Share Based Compensation of Revenue |
1.06% | 1.02% | 0.96% | 0.95% | 1.25% | 1.33% | 1.25% | 0.94% | 0.93% | 0.85% |
Graham Net Nets |
(0.42) | (0.42) | (0.57) | (0.45) | (0.82) | (0.91) | (1.06) | (0.73) | (0.71) | (0.70) |
Graham Number |
48.08 | 50.60 | 62.87 | 70.20 | 74.10 | 75.16 | 77.28 | 88.30 | 94.07 | 106.08 |
Earnings Yield |
5.14% | 5.22% | 6.67% | 6.63% | 7.99% | 6.93% | 7.37% | 6.83% | 6.67% | 7.50% |
Free Cash Flow Yield |
6.04% | 7.04% | 6.84% | 7.55% | 7.63% | 7.89% | 8.28% | 8.14% | 7.44% | 7.45% |
Revenue per Share |
12.82 | 13.40 | 14.56 | 16.32 | 16.33 | 15.29 | 17.63 | 23.00 | 25.88 | 27.57 |
Operating CF per Share |
4.38 | 4.94 | 5.03 | 6.44 | 5.62 | 6.65 | 7.80 | 9.25 | 8.99 | 9.08 |
Capex per Share |
(0.31) | (0.23) | (0.41) | (0.25) | (0.32) | (0.19) | (0.13) | (0.18) | (0.18) | (0.20) |
Free Cash Flow per Share |
4.07 | 4.71 | 4.62 | 6.19 | 5.30 | 6.46 | 7.67 | 9.07 | 8.81 | 8.88 |
Cash per Share |
5.92 | 5.35 | 7.98 | 8.59 | 33.09 | 41.26 | 13.47 | 10.51 | 15.36 | 13.26 |
Shareholders Equity per Share |
29.69 | 32.60 | 38.96 | 40.33 | 43.89 | 44.28 | 38.92 | 45.54 | 49.79 | 55.94 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
29.69 | 32.60 | 38.96 | 40.33 | 43.89 | 44.28 | 38.92 | 45.54 | 49.79 | 55.94 |
Free Cash Flow |
60.65 | 72.61 | 71.26 | 100.92 | 84.73 | 99.32 | 113.87 | 134.90 | 129.29 | 128.49 |
Working Capital |
(292.81) | (313.55) | (490.41) | (530.93) | (806.15) | (1,061.89) | (1,313.39) | (989.37) | (970.91) | (968.88) |
Capital Expenditures |
(4.68) | (3.52) | (6.31) | (4.13) | (5.06) | (2.96) | (1.95) | (2.68) | (2.61) | (2.88) |
Net Current Asset Value |
(418.92) | (429.47) | (591.19) | (604.55) | (915.51) | (1,146.68) | (1,452.82) | (1,211.24) | (1,229.90) | (1,212.56) |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.02 | 0.02 | 0.03 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
Price to Operating Income |
13.84 | 11.37 | 10.29 | 11.70 | 9.98 | 11.31 | 10.77 | 11.17 | 12.03 | 10.69 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.09 | 0.09 | 0.08 | 0.07 | 0.14 | 0.20 | 0.22 | 0.15 | 0.19 | 0.16 |
Cash ROIC |
9.92% | 11.08% | 9.28% | 12.58% | 6.89% | 7.55% | 14.64% | 14.45% | 11.69% | 11.16% |
Accounts Receivable Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Accounts Payable Turnover |
0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.01 | 0.02 | 0.02 |
Inventory Turnover |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Days of Payables |
89,312.74 | 72,014.66 | 56,479.80 | 40,939.52 | 71,905.94 | 181,700.79 | 184,101.61 | 34,619.41 | 21,784.10 | 22,813.26 |
Days of Inventory on Hand |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Average Payables |
3,157.81 | 3,273.64 | 3,645.60 | 4,025.73 | 4,364.06 | 4,788.78 | 4,897.60 | 4,902.06 | 5,039.21 | 5,222.57 |
Average Assets |
3,849.23 | 4,058.34 | 4,515.65 | 4,958.88 | 5,388.70 | 5,881.17 | 5,940.90 | 6,023.08 | 6,313.76 | 6,590.74 |
Average Common Equity |
430.86 | 472.47 | 551.64 | 629.37 | 679.54 | 691.11 | 629.48 | 627.46 | 703.87 | 770.17 |
Columns are period end dates