City Holding Company

City Holding Company

CHCO
City Holding CompanyUS flagNASDAQ Global Select
140.79
USD
-0.90
- -
1.98BMarket Cap
City Holding Company
CHCO
(NASDAQ Global Select)

Recent

price

140.79

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
9.06
9.61
10.22
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
21.96
Revenue per Share
2.5
2.7
2.65
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
9.23
Basic EPS, GAAP
4.06
3.64
3.15
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
9.7
Free Cash Flow per Basic Share
1.37
1.37
1.41
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
3.43
Dividend per Share
20.31
21.05
22.47
24.61
25.79
27.62
29.25
32.17
36.29
40.36
44.47
45.22
39.08
45.65
49.69
56.41
57.57
Book Value per Share
16.66
17.25
18.08
19.84
20.9
22.36
24.01
27.14
28.87
32.98
36.94
37.44
31.25
34.69
38.8
45.41
46.4
Tangible Book Value per Share
16
15
15
16
15
15
15
15
15
16
16
15
15
15
15
14
14
Basic Weighted Avg Shares
141
145
150
180
173
167
173
186
194
224
231
219
246
282
285
305
314
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
6
6
5
-6
1
1
7
7
6
6
11
15
16
11
13
11
9
Depreciation Expense
39
41
39
48
53
54
52
54
70
89
90
88
102
114
117
130
132
Net Income, GAAP
32.14
33.59
34.26
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
19.63
Effective Tax Rate (%)
27.58
28.11
25.9
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
42.02
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
16
16
16
16
16
16
16
16
4
4
- -
- -
- -
100
150
150
150
LT Debt
315
311
333
388
391
419
442
503
601
658
701
681
578
677
731
810
809
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
12.49
13
12.09
13.38
13.61
13.36
12.1
11.49
12.69
14.2
13.18
12.74
16.22
18.23
16.64
16.94
16.75
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
150
150
150
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
14
14
14
Market Capitalization
1,711
1,687
1,864

Working Capital

FRC

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
979
1,042
1,031
Accounts Receivable, Net
21
22
21
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
79
- -
- -
- -

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
2.37
- -
- -
- -

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
0.72
- -
- -
- -
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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