NASDAQ · Financial Statements

City Holding Company (CHCO) Financial Statements

$142.01 NASDAQ: CHCO Market Cap $2.00B

City Holding Company most recently reported annual revenue of $392.0M, net profit of $130.0M. Revenue grew at an average annual rate of 9.0% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

City Holding Company: Revenue rose from $187.0M in 2016 to $392.0M in 2025, a change of +109.6% over 9 years; net profit was positive in all 10 reported years; operating margin was broadly flat at about 41.5%; the most recent year shows net profit of $130.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$187.0M$203.0M$220.0M$261.0M$255.0M$229.0M$256.0M$334.0M$371.0M$392.0M
Operating Expenses$109.0M$112.0M$132.0M$147.0M$144.0M$117.0M$128.0M$191.0M$227.0M$230.0M
Operating Profit$77.0M$91.0M$88.0M$113.0M$111.0M$111.0M$127.0M$143.0M$145.0M$163.0M
Operating Margin41.4%44.8%40.0%43.5%43.6%48.6%49.8%42.8%38.9%41.5%
Other Income$0$0$0$0$0$0$0$0$0$-1.0M
Interest$13.0M$17.0M$26.0M$36.0M$24.0M$10.0M$10.0M$52.0M$86.0M$85.0M
Depreciation$7.0M$7.0M$6.0M$6.0M$11.0M$15.0M$16.0M$11.0M$13.0M$9.0M
Profit Before Tax$77.0M$91.0M$88.0M$113.0M$111.0M$111.0M$127.0M$143.0M$145.0M$161.0M
Tax$32.5M$40.1M$20.5M$21.3M$19.5M$20.8M$19.8M$20.1M$19.0M$19.2M
Net Profit$52.0M$54.0M$70.0M$89.0M$90.0M$88.0M$102.0M$114.0M$117.0M$130.0M
EPS$3.45$3.48$4.53$5.42$5.55$5.66$6.80$7.61$7.89$8.94
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$85.0M$84.0M$89.0M$93.0M$96.0M$93.0M$94.0M$97.0M$100.0M$101.0M$98.0M$80.0M
Operating Expenses$48.0M$50.0M$53.0M$56.0M$59.0M$59.0M$57.0M$56.0M$56.0M$60.0M$59.0M$60.0M
Operating Profit$38.0M$34.0M$37.0M$36.0M$37.0M$34.0M$37.0M$41.0M$44.0M$41.0M$39.0M$21.0M
Operating Margin44.3%40.5%41.1%39.2%38.6%37.0%39.3%42.4%43.8%40.2%39.9%25.6%
Interest$15.0M$17.0M$19.0M$21.0M$22.0M$23.0M$22.0M$21.0M$21.0M$21.0M$19.0M$19.0M
Profit Before Tax$38.0M$34.0M$37.0M$36.0M$37.0M$34.0M$37.0M$41.0M$44.0M$40.0M$39.0M$41.0M
Tax$21.1M$19.5M$19.5M$19.7M$19.7M$16.9M$17.8M$18.9M$19.8M$20.2M$19.2M$19.4M
Net Profit$30.0M$27.0M$30.0M$29.0M$30.0M$29.0M$30.0M$33.0M$35.0M$32.0M$32.0M$33.0M
EPS$1.98$1.84$1.97$1.96$2.02$1.94$2.06$2.29$2.41$2.18$2.20$2.35

Over the 10 years reported for City Holding Company, borrowings increased from $265.0M in 2016 to $518.0M in 2025, cash stood at $192.0M in the latest year, shareholders' equity was $48.0M, current assets covered current liabilities 0.18 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$4.0B$4.1B$4.9B$5.0B$5.8B$6.0B$5.9B$6.2B$6.5B$6.7B
Current Assets$547.0M$642.0M$857.0M$962.0M$1.7B$2.1B$1.7B$1.5B$261.0M$1.0B
Cash$88.0M$83.0M$123.0M$140.0M$529.0M$635.0M$200.0M$156.0M$225.0M$192.0M
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$8.0M$9.0M$12.0M$12.0M$16.0M$16.0M$18.0M$20.0M$21.0M$21.0M
Fixed Assets$75.0M$73.0M$78.0M$77.0M$77.0M$74.0M$71.0M$72.0M$71.0M$69.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$3.6B$3.7B$4.4B$4.5B$4.8B$5.0B$5.2B$5.5B$5.7B$5.3B
Other Assets$76.0M$76.0M$110.0M$109.0M$109.0M$109.0M$109.0M$150.0M$150.0M$150.0M
Total Liabilities$3.5B$3.6B$4.3B$4.4B$5.1B$5.3B$5.3B$5.5B$5.7B$5.9B
Current Liabilities$3.5B$3.6B$4.2B$4.3B$4.9B$5.2B$5.2B$5.3B$5.5B$5.7B
Borrowings$265.0M$269.0M$266.0M$215.0M$296.0M$312.0M$291.0M$435.0M$476.0M$518.0M
Other Liabilities$3.3B$3.4B$4.0B$4.1B$4.8B$5.0B$5.0B$5.1B$5.3B$5.4B
Equity$47.0M$48.0M$48.0M$48.0M$48.0M$48.0M$48.0M$48.0M$48.0M$48.0M
Reserves$442.0M$502.0M$604.0M$658.0M$701.0M$681.0M$578.0M$677.0M$731.0M$810.0M

For City Holding Company, operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $128.0M; free cash flow was positive in 10 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$65.0M$76.0M$78.0M$105.0M$90.0M$102.0M$116.0M$138.0M$132.0M$131.0M
Investing Cash Flow$-267.0M$-178.0M$-179.0M$-114.0M$-291.0M$-194.0M$-413.0M$12.0M$-255.0M$-273.0M
Financing Cash Flow$139.0M$85.0M$170.0M$107.0M$540.0M$214.0M$-83.0M$-293.0M$191.0M$153.0M
Net Cash Flow$18.0M$-6.0M$40.0M$17.0M$389.0M$106.0M$-435.0M$-44.0M$69.0M$-33.0M
Free Cash Flow$60.0M$70.0M$67.0M$100.0M$84.0M$99.0M$114.0M$135.0M$129.0M$128.0M

Valuation & Return Ratios

MetricValue
PEG Ratio1.56
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y11.09%
Return 3Y58.48%
Return 5Y117.94%

City Holding Company (CHCO) financials — frequently asked questions

What is City Holding Company's annual revenue?

City Holding Company (CHCO) reported annual revenue of $392.0M in its most recent fiscal year.

What is City Holding Company's net profit?

City Holding Company (CHCO) reported net profit of $130.0M in its most recent fiscal year.

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