City Holding Co (CHCO) Financial Statements
Industry: National Commercial Banks
In fiscal 2025, City reported revenue of $314.2M, up 7.0% from $293.6M the year before. Net income was $130.5M (a 41.5% net margin), or $8.93 per diluted share. Net interest income was $236.4M, and the efficiency ratio (noninterest expense / revenue) was 49.1%. Operating activities generated $131.4M of cash, leaving $128.4M of free cash flow. At fiscal year end, City held $6.72B in total assets against $5.91B in total liabilities, including $191.9M of cash and equivalents.
Open the full interactive City financials → Quarterly statements, key ratios, valuation history and price charts.
City Key Stats
| Share Price | $139.42 |
|---|---|
| Market Cap | $1.96B |
| P/E Ratio | 15.6 |
| Dividend Yield | 2.50% |
| Revenue YoY Growth | +7.0% |
| 52-Week Range | $114.67 – $147.98 |
| Shares Outstanding | 14.0 million (basic, 2026 Q2) |
City Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $154.6M | $155.6M | $180.0M | $219.2M | $220.2M | $236.4M |
| Provision for Credit Losses | $10.7M | -$3.2M | $474,000 | $3.2M | $1.8M | -$1.4M |
| Noninterest Income | $82.7M | $69.6M | $72.1M | $70.6M | $73.3M | $77.8M |
| Noninterest Expense | $115.3M | $117.2M | $124.3M | $143.5M | $147.2M | $154.1M |
| Revenue | $237.3M | $225.2M | $252.1M | $289.9M | $293.6M | $314.2M |
| Pre-Tax Income | $111.3M | $111.2M | $127.3M | $143.1M | $144.5M | $161.5M |
| Income Tax | $21.7M | $23.1M | $25.3M | $28.7M | $27.4M | $31.0M |
| Net Income | $89.6M | $88.1M | $102.1M | $114.4M | $117.1M | $130.5M |
| Diluted EPS | $5.55 | $5.66 | $6.80 | $7.61 | $7.89 | $8.93 |
City Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $81.3M | $80.2M | $79.2M | $81.5M |
| Net Income | $35.2M | $31.6M | $31.7M | $33.3M |
| Diluted EPS | $2.41 | $2.18 | $2.20 | $2.35 |
City Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $528.7M | $634.6M | $200.0M | $156.3M | $225.4M | $191.9M |
| Loans (Net) | $3.60B | $3.53B | $3.63B | $4.10B | — | — |
| Total Assets | $5.76B | $6.00B | $5.88B | $6.17B | $6.46B | $6.72B |
| Deposits | $4.65B | $4.93B | $4.87B | $4.93B | $5.14B | $5.30B |
| Total Long-Term Debt | — | — | — | $100.0M | $150.0M | $150.0M |
| Total Liabilities | $5.06B | $5.32B | $5.30B | $5.49B | $5.73B | $5.91B |
| Shareholders' Equity | $701.1M | $681.1M | $577.9M | $677.1M | $730.7M | $809.7M |
City Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $89.8M | $102.3M | $115.8M | $137.6M | $131.9M | $131.4M |
| Cash From Investing | -$285.3M | -$191.2M | -$410.5M | $14.7M | -$252.3M | -$269.9M |
| Cash From Financing | $584.0M | $194.9M | -$140.0M | -$196.0M | $189.5M | $105.1M |
| Free Cash Flow | $84.3M | $99.0M | $113.7M | $134.6M | $129.2M | $128.4M |
| Dividends Paid | $36.7M | $36.1M | $36.7M | $40.0M | $43.5M | $47.3M |
Figures from City's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full City financials page for every line item.
City Company Profile
| Ticker | CHCO |
|---|---|
| Exchange | Nasdaq |
| Industry | National Commercial Banks |
| Headquarters | Charleston, West Virginia |
| Incorporated in | West Virginia |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000726854 |
Frequently Asked Questions
What was City's revenue in fiscal 2025?
City (CHCO) reported revenue of $314.2M for fiscal 2025.
What is City's annual revenue history?
City's annual revenue by fiscal year: 2020: $237.3M; 2021: $225.2M; 2022: $252.1M; 2023: $289.9M; 2024: $293.6M; 2025: $314.2M.
What was City's net income in fiscal 2025?
City reported net income of $130.5M for fiscal 2025.
What was City's earnings per share (EPS) in fiscal 2025?
City's diluted EPS was $8.93 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did City generate in fiscal 2025?
City generated $128.4M of free cash flow in fiscal 2025.
What was City's revenue last quarter?
In its most recent reported quarter (2026 Q2), City reported revenue of $81.5M.
How much debt does City have?
City reported $150.0M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of City are outstanding?
City reported a weighted average of 14.0 million basic shares outstanding in 2026 Q2.
What is City's market cap?
Based on its latest closing price, City (CHCO) has a market capitalization of about $1.96B.
When does City's fiscal year end?
City's fiscal year end, as registered with the SEC, is December 31.
Where is City headquartered?
City lists its business address in Charleston, West Virginia in its SEC filings.