City Holding Company

City Holding Company

CHCOยทNASDAQ

$123.56

-0.097%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$1.74B
EPS8.9400
P/E Ratio13.82
Earnings Date07/28/2026
3Y+13.0%
5Y+46.0%
10Y+101.0%
3Y-34.0%
5Y-5.0%
10Y+3.0%
3Y-175.0%
5Y-82.0%
10Y-51.0%
CHCO

City Holding Company Cash Conversion Engine

CHCO ยท NASDAQ
Net Income130.49M
Depreciation & Amortization11.18M
Stock-Based Compensation3.38M
Change in Working Capital-9.14M
Others-4.48M
Capital Expenditures-2.92M
Free Cash Flow128.45M

Cash Flow Quality Analysis

FCF Conversion Rate

98.4%

Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.

CapEx Intensity

2.2%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

-0.6%

Flat FCF growth. Stable but not expandingโ€”monitor for signs of business maturity or temporary headwinds.

Working Capital Impact

-$9.14M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

City Holding Company Cash Flow Statement

CHCO โ€ข NASDAQ

City Holding Company Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 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

SEC Filings

CHCO - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
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
Showing 1 to 10 of 562 filings