City Holding Company

City Holding Company

CHCO
City Holding CompanyUS flagNASDAQ Global Select
125.37
USD
+1.69
- -
1.77BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
11.58
11.2
11.06
11.63
12.06
12.6
13.75
14.49
14.22
16.57
19
19.42
21.08
21.54
Basic EPS, GAAP
3.1
3.44
3.58
3.5
3.52
4.54
5.48
5.61
5.73
6.87
7.69
7.98
9.02
9.17
Free Cash Flow per Basic Share
4.4
3.31
2.97
4.01
4.51
4.37
6.15
5.27
6.43
7.66
9.05
8.8
8.87
9.35
Dividend per Share
1.47
1.59
1.67
1.73
1.76
1.92
2.18
2.3
2.35
2.47
2.69
2.96
3.27
3.51
Book Value per Share
24.43
26.52
28.89
31.11
31.93
34.6
35.97
39.91
44.82
50.81
55.68
61.35
67.89
69.64
Tangible Book Value per Share
20.08
20.56
22.45
24.38
27.51
30.99
32.96
36.46
36.67
31.13
34.6
38.88
45.03
44.27
Basic Weighted Avg Shares
16
15
15
15
15
15
16
16
15
15
15
15
14
14
Sales/Revenue/Turnover
180
173
167
173
186
194
224
231
219
246
282
285
305
310
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
-6
1
1
7
7
6
6
11
15
16
11
13
11
10
Net Income, GAAP
48
53
54
52
54
70
89
90
88
102
114
117
130
132
Effective Tax Rate (%)
34.39
31.43
34.44
32.49
40.15
20.47
21.27
19.51
20.79
19.84
20.08
18.97
19.19
19.49
Profit Margin (%)
26.75
30.69
32.35
30.08
29.23
36.03
39.84
38.71
40.26
41.48
40.49
41.08
42.76
42.55
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
16
16
16
16
16
4
4
- -
- -
- -
100
150
150
150
Total Equity
388
391
419
442
503
601
658
701
681
578
677
731
810
794
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
13.11
13.43
12.8
11.58
11.37
13.65
15.95
14.63
13.27
14.14
14.46
13.55
13.86
13.73

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
150
150
150
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
14
14
14
Market Capitalization
1,801
1,725
1,720

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
1,023
979
1,042
Accounts Receivable, Net
22
21
22
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.26%
3.58%
10.81%
Free Cash Flow
12.55%
9.23%
-0.57%
Net Income, GAAP
9.74%
8.01%
11.43%
Sales/Revenue/Turnover
6.38%
5.95%
7.06%
Total Cash Common Dividend
6.61%
5.31%
8.77%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
70
71
74
70
285
2025
72
76
79
78
305
2026
77
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2
1.98
2.04
1.96
7.98
2025
2.08
2.31
2.43
2.2
9.02
2026
2.22
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.72
0.73
0.72
0.79
2.96
2025
0.79
0.8
0.79
0.88
3.27
2026
1.04
- -
- -
- -
- -

Company Description

APIChat
CEO
Charles R. Hageboeck
Full Time Employees
942
Sector
Financial Services
Industry
Banks - Regional
Address
25 Gatewater Road Charleston WV United States of America 25313
IPO Date
Jun 26, 1987
Business
City Holding Company (CHCO), a West Virginia corporation headquartered in Charleston, West Virginia, operates as the financial holding company for City National Bank of West Virginia, which provides diversified banking, trust, investment management, and other financial solutions to consumers, local businesses, and industries across West Virginia, Kentucky, Virginia, and Ohio. The bank offers deposit products including checking, savings, and money market accounts; certificates of deposit; and individual retirement accounts; as well as credit products such as commercial and industrial loans to small- and mid-size companies, commercial real estate loans secured by nonresidential and multi-family properties, residential real estate loans, home equity loans and lines of credit, consumer loans secured by automobiles, boats, recreational vehicles, and other personal property, and demand deposit account overdrafts; alongside mortgage banking, wealth management, trust services, securities brokerage, insurance, and overdraft facilities. Founded in 1957, the company maintains 94 branches serving community banking needs in its core markets. In September 2025, City Holding increased its quarterly common stock dividend by 10% to $0.87 per share from $0.79, payable October 31 to shareholders of record on October 15, reflecting strong capital position and sustained 2025 financial performance that delivered record Q3 results with return on assets of 2.11% and return on tangible equity of 22.5%; earlier in 2024, it approved a share repurchase program for up to 1,000,000 shares.

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