CHCO on Nasdaq
CITY HOLDING CO
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Last updated Oct 16, 2026.
Overview
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Financials
From the company’s reports to the SEC. Every number links to the filing it came from.
Key numbers, fiscal 2025
175.6%Net margin3
3.2%Revenue growth, 20253
16.1%Return on equity3
0.19×Debt to equity3
$128.4MFree cash flow3
What sells
Revenue by product, business segment and region, as the company reports it to the SEC.
Products and services
Deposit Account brought in 20% of the revenue CITY HOLDING CO broke down this way in fiscal 2025.
Products and services by year
| Products and services | 2023 | 2024 | 2025 |
|---|---|---|---|
| Deposit Account | $27.8M | $29.2M | $30.0M |
| Fees and Commissions, Depositor Accounts | $27.8M | $29.2M | $30.0M |
| Debit Card | $28.0M | $28.5M | $28.7M |
| Fees and Commissions, Debit Cards | $28.0M | $28.5M | $28.7M |
| Fees and Commissions, Fiduciary and Trust Accounts | $9.6M | $11.3M | $12.3M |
| Fiduciary and Trust | $9.6M | $11.3M | $12.3M |
| Other Non Interest Income | $3.8M | $3.0M | $3.3M |
| Product and Service, Other | $3.8M | $3.0M | $3.3M |
Where the money goes
Where each dollar of revenue went, fiscal 2025
- Income tax19¢$31.0M
- Profit81¢$130.5M
Out of $74.3M in revenue.3
Where each dollar of operating cash went, fiscal 2025
- Capital spending2¢$2.9M
- Dividends paid36¢$47.3M
- Share buybacks35¢$45.8M
- Kept or used elsewhere27¢$35.4M
Out of $131.4M of cash from operations.3
Financial statements
Every line of the income statement in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Interest and fees on loans | $252.5M | $241.5M | $212.7M |
| Taxable | $59.9M | $54.1M | $48.3M |
| Tax-exempt | $3.2M | $3.3M | $3.9M |
| Interest on deposits in depository institutions | $5.7M | $7.5M | $6.4M |
| Total Interest Income | $321.2M | $306.4M | $271.3M |
| Interest on deposits | $65.4M | $64.5M | $37.3M |
| Interest on customer repurchase agreements | $13.2M | $15.5M | $12.0M |
| Interest on FHLB long-term advances | $6.3M | $6.2M | $2.7M |
| Total Interest Expense | $84.8M | $86.2M | $52.0M |
| Net Interest Income | $236.4M | $220.2M | $219.2M |
| (Recovery of) Provision for credit losses | -$1.4M | $1.8M | $3.2M |
| Net Interest Income After (Recovery of) Provision for Credit Losses | $237.8M | $218.4M | $216.0M |
| Net gains (losses) on sale of investment securities | $187.0K | -$2.8M | -$4.9M |
| Unrealized (losses) gains recognized on equity securities still held | -$588.0K | $175.0K | $432.0K |
| Revenue | $74.3M | $72.0M | $69.1M |
| Bank owned life insurance | $3.9M | $4.0M | $6.0M |
| Total Non-Interest Income | $77.8M | $73.3M | $70.6M |
| Salaries and employee benefits | $79.2M | $76.4M | $73.2M |
| Occupancy related expenses | $9.6M | $9.2M | $9.4M |
| Equipment and software related expenses | $14.5M | $13.2M | $11.6M |
| FDIC insurance expense | $3.0M | $2.9M | $2.9M |
| Advertising | $3.1M | $3.8M | $3.1M |
| Bankcard expenses | $9.0M | $8.5M | $7.4M |
| Legal and professional fees | $2.3M | $2.2M | $2.0M |
| Repossessed asset losses, net of expenses | $257.0K | $246.0K | $28.0K |
| Taxes, Miscellaneous | $9.0M | $7.7M | $6.2M |
| Merger related costs | $0 | $0 | $5.2M |
| Other expenses | $24.2M | $23.2M | $22.4M |
| Total Non-Interest Expense | $154.1M | $147.2M | $143.5M |
| Income Before Income Taxes | $161.5M | $144.5M | $143.1M |
| Income tax expense | $31.0M | $27.4M | $28.7M |
| Net Income Available to Common Shareholders | $130.5M | $117.1M | $114.4M |
| Effect of dilutive securities | 8.0K shares | 21.0K shares | 23.0K shares |
| Basic earnings per common share | $8.94 | $7.91 | $7.62 |
| Diluted earnings per common share | $8.93 | $7.89 | $7.61 |
Every line of the balance sheet in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Cash and due from banks | $152.1M | $117.6M | |
| Interest-bearing deposits in depository institutions | $39.8M | $107.8M | |
| Cash and Cash Equivalents | $191.9M | $225.4M | |
| Investment securities available for sale, at fair value (amortized cost $1,602,721 and $1,570,449, net of allowance for credit losses of $0 at December 31, 2025 and December 31, 2024, respectively) | $1.5B | $1.4B | |
| Other securities | $29.5M | $29.8M | |
| Total Investment Securities | $1.5B | $1.5B | |
| Gross loans | $4.5B | $4.3B | |
| Allowance for credit losses | -$19.9M | -$21.9M | -$22.7M |
| Net Loans | $4.5B | $4.3B | |
| Bank owned life insurance | $124.4M | $120.9M | |
| Premises and equipment, net | $69.1M | $70.5M | |
| Accrued interest receivable | $20.7M | $20.6M | |
| Deferred tax assets, net | $30.0M | $41.7M | |
| Goodwill and other intangible assets, net | $157.9M | $160.0M | |
| Other assets | $108.0M | $116.3M | |
| Total Assets | $6.7B | $6.5B | |
| Noninterest-bearing | $1.4B | $1.3B | |
| Demand deposits | $1.3B | $1.3B | |
| Savings deposits | $1.2B | $1.2B | |
| Time deposits | $1.3B | $1.2B | |
| Total Deposits | $5.3B | $5.1B | |
| Customer repurchase agreements | $367.7M | $325.7M | $309.9M |
| FHLB long-term advances | $150.0M | $150.0M | |
| Other liabilities | $93.7M | $109.0M | |
| Total Liabilities | $5.9B | $5.7B | |
| Preferred stock, par value $25 per share: 500,000 shares authorized; 0 issued | $0 | $0 | |
| Common stock, par value $2.50 per share: 50,000,000 shares authorized; 19,047,548 shares issued at December 31, 2025 and 2024, less 4,693,613 and 4,342,108 shares in treasury, respectively | $47.6M | $47.6M | |
| Capital surplus | $174.6M | $176.5M | |
| Retained earnings | $935.0M | $852.8M | |
| Treasury stock | -$271.0M | -$230.5M | |
| Unrealized loss on securities available-for-sale | -$75.7M | -$114.3M | |
| Underfunded pension liability | $875.0K | $1.4M | |
| Total Accumulated Other Comprehensive Loss | -$76.6M | -$115.7M | |
| Total Shareholders Equity | $809.7M | $730.7M | $677.1M |
| Total Liabilities and Shareholders Equity | $6.7B | $6.5B | |
| Debt Securities, Available-for-sale, Amortized Cost | $1.6B | $1.6B | |
| Debt Securities, Available-for-Sale, Allowance for Credit Loss | $0 | $0 | |
| Preferred stock, par value | $25.00 | $25.00 | |
| Preferred stock, shares authorized | 500.0K shares | 500.0K shares | |
| Preferred stock, shares issued | 0 shares | 0 shares | |
| Common stock, par value | $2.50 | $2.50 | |
| Common stock, shares authorized | 50.0M shares | 50.0M shares | |
| Common stock, shares issued | 19.0M shares | 19.0M shares | |
| Common stock, treasury shares | 4.7M shares | 4.3M shares |
Cash flow is reported year to date, not quarter by quarter, so there are no separate quarterly figures.
Every line of the cash flow in the latest annual report, as filed.3
| Period ending | 2025-12-31 | 2024-12-31 | 2023-12-31 |
|---|---|---|---|
| Net Income Available to Common Shareholders | $130.5M | $117.1M | $114.4M |
| Amortization, net | $6.9M | $9.0M | $6.2M |
| (Recovery of) Provision for credit losses | -$1.4M | $1.8M | $3.2M |
| Depreciation of premises and equipment | $4.3M | $4.2M | $4.6M |
| Deferred income tax (benefit) expense | -$50.0K | $381.0K | -$2.8M |
| Net periodic employee (benefit) cost | -$96.0K | $62.0K | $52.0K |
| Unrealized and realized securities losses, net | $401.0K | $2.6M | $4.5M |
| Stock-based compensation expense | $3.4M | $3.5M | $3.2M |
| Excess tax benefit from stock-compensation expense | $493.0K | $387.0K | $228.0K |
| Increase in value of bank-owned life insurance | -$3.9M | -$4.0M | -$6.0M |
| Loans originated for sale | -$17.3M | -$10.1M | -$11.2M |
| Proceeds from the sale of loans originated for sale | $17.6M | $10.2M | $11.3M |
| Gain on sale of loans | -$288.0K | -$114.0K | -$147.0K |
| Change in accrued interest receivable | -$68.0K | -$360.0K | -$1.1M |
| Change in other assets | -$18.8M | $5.0M | $14.4M |
| Change in other liabilities | $9.8M | -$7.9M | -$3.2M |
| Net Cash Provided by Operating Activities | $131.4M | $131.9M | $137.6M |
| Net increase in loans | -$229.8M | -$147.8M | -$223.8M |
| Purchases | $328.7M | $294.9M | $93.7M |
| Proceeds from sales | $66.8M | $33.4M | $205.6M |
| Proceeds from maturities and calls | $234.8M | $169.2M | $119.1M |
| Purchases | -$308.0K | -$268.0K | -$8.0M |
| Proceeds from sales | $50.0K | $1.6M | $536.0K |
| Proceeds from maturities and calls | $0 | $0 | $780.0K |
| Purchases of premises and equipment | -$2.9M | -$2.7M | -$3.0M |
| Proceeds from the disposals of premises and equipment | $42.0K | $98.0K | $283.0K |
| Proceeds from bank-owned life insurance policies | $0 | $1.5M | $10.9M |
| Payments for low income housing tax credits | -$9.9M | -$12.3M | -$8.1M |
| Acquisition of Citizens Commerce Bancshares, Inc. | $0 | $0 | $14.0M |
| Net Cash (Used in) Provided by Investing Activities | -$269.9M | -$252.3M | $14.7M |
| Net increase (decrease) in noninterest-bearing deposits | $69.2M | $1.6M | -$68.9M |
| Net increase (decrease) in interest-bearing deposits | $87.7M | $208.4M | -$165.4M |
| Net increase (decrease) in customer repurchase agreements | $42.0M | -$9.2M | $37.4M |
| Proceeds from FHLB long-term advances | $0 | $50.0M | $100.0M |
| Purchases of treasury stock | -$45.8M | -$17.9M | -$60.1M |
| Proceeds from exercise of stock options | $0 | $694.0K | $0 |
| Lease payments | -$742.0K | -$636.0K | $1.1M |
| Dividends paid | -$47.3M | -$43.5M | -$40.0M |
| Net Cash Provided by (Used in) Financing Activities | $105.1M | $189.5M | -$196.0M |
| (Decrease) Increase in Cash and Cash Equivalents | -$33.5M | $69.1M | -$43.7M |
| Interest paid | $85.8M | $83.8M | $49.1M |
| Income taxes paid | $35.8M | $28.0M | $32.8M |
Recent filings
- Sep 30, 20268-K 8-K, DIRECTORS - ALSOP, HUSS
- Sep 30, 20268-K 8-K, CHCO DIV 10 2026
- Sep 30, 20263
- Sep 30, 20263
- Aug 27, 20264
- Aug 7, 2026SCHEDULE 13G
- Aug 5, 202610-Q
- Jul 31, 20264
- Jul 30, 2026144
- Jul 22, 20268-K
- Jul 21, 20264
- Jul 21, 20264
- Jul 21, 20264
- Jul 21, 20264
- Jul 21, 20264
Every filing from the last three years, summarized. The full record is on SEC EDGAR.1
Sources
The numbers on this page point here. Each one links to the record it came from.
- 1SEC EDGARCITY HOLDING CO filings on SEC EDGAR
- 2SEC EDGARCITY HOLDING CO filings on SEC EDGAR
- 3SEC EDGARCITY HOLDING CO 10-K for fiscal 2025
- 4SEC EDGARCITY HOLDING CO 10-K for fiscal 2019
- 5SEC EDGARCITY HOLDING CO 10-K for fiscal 2020
- 6SEC EDGARCITY HOLDING CO 10-K for fiscal 2021
- 7SEC EDGARCITY HOLDING CO 10-K for fiscal 2022
- 8SEC EDGARCITY HOLDING CO 10-Q for fiscal 2026
- 9SEC EDGARCITY HOLDING CO 10-Q for fiscal 2026
- 10SEC EDGARCITY HOLDING CO 10-K for fiscal 2019