$123.56
-0.097%City Holding Company operates as a holding company for City National Bank of West Virginia that provides various banking, trust and investment management, and other financial solutions in the United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. It also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of residence; first-priority home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts. In addition, the company offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government insured mortgages, secondary marketing, and mortgage servicing. Further, it provides deposit services for commercial customers comprising treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. The company operates through a network of 94 branches and 905 full-time equivalent associates in West Virginia, Virginia, Kentucky, and Ohio. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Flat FCF growth. Stable but not expandingโmonitor for signs of business maturity or temporary headwinds.
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
CHCO โข NASDAQ
| City Holding Company Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
130.5M | 117.1M | 114.4M | 102.1M | 88.1M | 89.6M | 89.4M | 70M | 54.3M | 52.1M | 54.1M | 53M | 48.2M | 38.9M | 40.7M | 39M | 42.6M | 28.1M | 51M | 53.2M | |
11.2M | 13.2M | 10.7M | 15.8M | 14.6M | 10.7M | 5.7M | 6.4M | 6.9M | 7.1M | 1.5M | 1.4M | -5.5M | 5.3M | 6.4M | 5.7M | 4.9M | 3.3M | 2.2M | 1.6M | |
-50K | 381K | -2.8M | 1.5M | 2.2M | 2.6M | 4.9M | -1.2M | 14.9M | 3.8M | 6.6M | 4.6M | 4.7M | 2.5M | -2.3M | -1.2M | 8.6M | -14.4M | -1.2M | 2.5M | |
3.4M | 3.5M | 3.2M | 3.3M | 3.1M | 3.3M | 2.5M | 2.2M | 2.1M | 2M | 1.8M | 1.5M | 1.3M | 1.1M | 1.1M | 830K | 0.0 | 0.0 | 0.0 | 0.0 | |
-4.5M | 927K | 2M | -3.5M | -8.9M | -10.3M | -3.9M | -7.9M | -2.1M | -2.8M | -6.3M | -302K | 7.7M | 334K | 2.5M | 11.4M | 4.3M | 47.1M | 4M | 3.9M | |
(35.8M) | (28M) | (32.8M) | (22.4M) | (18.5M) | (26.7M) | (14.9M) | (20.8M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
-9.1M | -3.2M | 10.1M | -3.2M | 3.2M | -6M | 6.5M | 8.2M | 36K | 3M | -9.8M | -6.9M | 19.5M | 5.6M | 11.1M | 12.7M | -35.5M | -9.6M | -5.7M | -2M | |
131.4M | 131.9M | 137.6M | 115.8M | 102.3M | 89.8M | 105M | 77.6M | 76.1M | 65.3M | 47.9M | 53.4M | 75.9M | 53.8M | 59.4M | 68.3M | 25M | 54.6M | 50.3M | 59.1M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-2.9M | -2.7M | -3M | -2.1M | -3.3M | -5.5M | -4.7M | -10.2M | -6.6M | -5.5M | -3M | -2.3M | -7.5M | -7.5M | -4.6M | -5M | -8.9M | -10.5M | -14.4M | -6.4M | |
(0.0) | (0.0) | (14M) | (0.0) | (0.0) | (0.0) | -24.7M | (12.2M) | (0.0) | (0.0) | (35.3M) | (0.0) | -21.9M | (20.3M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
-329M | -295.2M | -101.7M | -519.6M | -560.8M | -463.7M | -220.7M | -171.2M | -187M | -196.2M | -185.7M | -41.5M | -80.8M | -171.2M | -732.6M | -979.7M | -952.8M | -1.1B | -1B | -1.2B | |
301.6M | 204.2M | 326M | 211.4M | 296.4M | 189.7M | 171.6M | 96.6M | 102.6M | 123M | 69.3M | 62.2M | 120.5M | 183M | 791M | 1B | 909.9M | 1B | 1.1B | 1.2B | |
-239.6M | -158.5M | -220.7M | -100.1M | 76.6M | -5.8M | -30.4M | -95.9M | -80.7M | -182.7M | -100M | -43.1M | -83.1M | -102.8M | -115.4M | -85.1M | 10.9M | -27.3M | -93.9M | -61.6M | |
-269.9M | -252.3M | (14.7M) | -410.5M | -191.2M | -285.3M | -108.8M | -168.5M | -171.7M | -261.3M | -184.1M | -24.7M | -72.7M | -78.3M | -61.5M | -32.1M | -40.9M | -135.9M | -4.8M | (17.7M) | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-45.8M | -17.9M | -60.1M | -26.4M | -58.7M | -36.5M | -19.4M | -20.3M | 28.4M | -3.2M | -7.1M | -28M | 0.0 | -7.9M | -23.8M | -12.9M | -3.9M | -11M | -48.1M | -36.5M | |
42M | 40.8M | 137.4M | -21.5M | 16.5M | 80.6M | -50.7M | -8.8M | 3.9M | 93.4M | 14.8M | -2.9M | 23.2M | -74.4M | 76.3M | -6.1M | -78.2M | 63.5M | -17.7M | -54M | |
-47.3M | -43.5M | -40M | -36.7M | -36.1M | -36.7M | -35.5M | -29.6M | -27.1M | -25.7M | -25.3M | -24.5M | -22.9M | -20.7M | -20.6M | -21.4M | -21.7M | -21.5M | -20.6M | -19.4M | |
-45.8M | -17.9M | -60.1M | -26.4M | -58.7M | -36.5M | -19.4M | -20.3M | (0.0) | -10M | -7.1M | -28M | (0.0) | -7.9M | -23.8M | -12.9M | -3.9M | -28.5M | -48.2M | -37.3M | |
156.1M | 210.1M | -233.2M | -55.4M | 273.2M | 576.5M | 126.6M | 190.1M | 84.7M | 149.4M | 75.6M | 89M | -2.6M | 66.1M | 50.2M | 7.9M | 122.6M | 53M | 4.9M | 57.2M | |
105.1M | 189.5M | -196M | -140M | 194.9M | 584M | 20.9M | 131.4M | 89.9M | 214M | 58.1M | 33.7M | -2.3M | -37M | 82.1M | -32.4M | 18.8M | 66.5M | -81.5M | -52.7M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-33.5M | 69.1M | -43.7M | -434.6M | 106M | 388.5M | 17.2M | 40.5M | -5.6M | 18M | -78.1M | 62.4M | 882K | -61.4M | 80M | 3.7M | 3M | -14.9M | -35.9M | 24.2M | |
225.4M | 156.3M | 200M | 634.6M | 528.7M | 140.1M | 123M | 82.5M | 88.1M | 70.1M | 148.2M | 85.9M | 85M | 146.4M | 66.4M | 62.6M | 59.6M | 74.5M | 110.4M | 86.3M | |
191.9M | 225.4M | 156.3M | 200M | 634.6M | 528.7M | 140.1M | 123M | 82.5M | 88.1M | 70.1M | 148.2M | 85.9M | 85M | 146.4M | 66.4M | 62.6M | 59.6M | 74.5M | 110.4M | |
128.4M | 129.2M | 134.6M | 113.7M | 99M | 84.3M | 100.3M | 67.4M | 69.6M | 59.8M | 44.9M | 51M | 68.4M | 46.3M | 54.8M | 63.3M | 16.1M | 44.4M | 35.9M | 52.8M |
CHCO - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | May 28, 2026 | May 28, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 28, 2026 | May 27, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 06, 2026 | March 31, 2026 | 2026 | |
8-K/A 8-K/A 2026 (Amended) N/A | May 01, 2026 | April 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 29, 2026 | April 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 29, 2026 | April 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 23, 2026 | April 23, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 27, 2026 | April 29, 2026 | 2026 | |
8-K 8-K 2026 N/A | March 26, 2026 | March 25, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 25, 2026 | December 31, 2025 | 2025 |
Continue your CHCO research with focused valuation guides.
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.