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+53.0%
5Y+54.0%
10Y+110.0%
3Y+28.0%
5Y+46.0%
10Y+150.0%
3Y+13.0%
5Y+46.0%
10Y+101.0%
City Holding Company

City Holding Company Profit Bridge

CHCO ยท NASDAQ
Revenue392.11M
Cost of Goods Sold (82.31M)
Gross Profit309.80M
Operating Expenses (147.23M)
Operating Income162.56M
Interest Expense (84.81M)
Other Income/Expense-1.10M
Pretax Income161.47M
Income Tax (30.98M)
Net Income130.49M
Net Income
130.49M

Profitability Analysis

Gross Margin

79.0%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

41.5%

Outstanding operational efficiency. The company generates substantial profit from core operations.

Net Profit Margin

33.3%

Exceptional profitability. The company converts a significant portion of revenue to bottom-line earnings.

Effective Tax Rate

19.2%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

Exceptional profitability across all levels: Strong pricing power, efficient operations, and healthy bottom line indicate a high-quality business with sustainable competitive advantages.

City Holding Company Income Statement

CHCO โ€ข NASDAQ

City Holding Company Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
392.1M
371.3M
334.4M
255.7M
228.7M
255M
260.6M
220M
202.6M
186.5M
179.1M
184.5M
193.5M
164.8M
165.5M
168.9M
189.4M
207.9M
213.5M
210.3M
GROSS PROFIT
(82.3M)
(88M)
(55.3M)
(10.1M)
(6.7M)
(34.3M)
(35.1M)
(23.4M)
(19.8M)
(17.6M)
(18.8M)
(16M)
(20.1M)
(20.8M)
(25.4M)
(34.7M)
(43.6M)
(56.3M)
(65.6M)
(57.5M)
309.8M
283.2M
279.2M
245.6M
221.9M
220.7M
225.5M
196.6M
182.8M
168.9M
160.3M
168.5M
173.4M
144M
140.1M
134.2M
145.8M
151.5M
147.8M
152.8M
OPERATING INCOME
(147.2M)
(138.7M)
(136.1M)
(118.7M)
(110.7M)
(109.4M)
(112.1M)
(108.6M)
(92.1M)
(91.7M)
(77.7M)
(91.3M)
(99.9M)
(84.7M)
(78.9M)
(76.8M)
(82.6M)
(113.9M)
(71M)
(71.3M)
(84.5M)
(83.1M)
(79.2M)
(71.6M)
(66.5M)
(65.7M)
(66.1M)
(58.6M)
(55.3M)
(55.1M)
(52.1M)
(56.7M)
(56M)
(47.7M)
(45.3M)
(45.7M)
(53.5M)
(50.7M)
(39.2M)
(37.7M)
162.6M
144.5M
143.1M
127.3M
111.2M
111.3M
113.5M
88M
90.7M
77.2M
82.5M
77.2M
74.2M
59.2M
61.2M
57.4M
63.2M
37.6M
76.8M
81.5M
PRE-TAX INCOME
(84.8M)
(86.2M)
(52M)
(9.7M)
(9.9M)
(23.6M)
(36.3M)
(25.7M)
(16.8M)
(13.2M)
(11.8M)
(12M)
(13.3M)
(14.5M)
(20.8M)
(27.6M)
(36.6M)
(45.9M)
(60.3M)
(53.7M)
236.4M
220.2M
219.2M
180M
155.6M
154.6M
161.4M
138.2M
126.1M
118.9M
115.2M
117.6M
125.2M
97.8M
92.1M
94.3M
95.4M
101.8M
97M
102.4M
(62.7M)
(55.7M)
(56.9M)
(47.1M)
(44.2M)
(43.7M)
(45.9M)
(50M)
(36.7M)
(36.6M)
(25.7M)
(34.6M)
(43.9M)
(37.1M)
(33.6M)
(31.1M)
(29.1M)
(63.2M)
(31.9M)
(33.6M)
-1.1M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
161.5M
144.5M
143.1M
127.3M
111.2M
111.3M
113.5M
88M
90.7M
77.2M
82.5M
77.2M
74.2M
59.2M
61.2M
57.4M
63.2M
37.6M
76.8M
81.5M
NET INCOME
(31M)
(27.4M)
(28.7M)
(25.3M)
(23.1M)
(21.7M)
(24.1M)
(18M)
(36.4M)
(25.1M)
(28.4M)
(24.3M)
(25.5M)
(20.3M)
(20.6M)
(18.5M)
(20.5M)
(9.5M)
(25.8M)
(28.3M)
130.5M
117.1M
114.4M
102.1M
88.1M
89.6M
89.4M
70M
54.3M
52.1M
54.1M
53M
48.7M
38.9M
40.7M
39M
42.6M
28.1M
51M
53.2M

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