City Holding (CHCO) Financials: History & Chart

City Holding Company(CHCO)

Banks - Regional · Charleston, WV

$141.57-0.20 (-0.14%)

Delayed quote: Oct 6, 2026, 4:00 PM EDT

About City Holding Company

City Holding Company operates as the parent entity for City National Bank of West Virginia, offering a broad spectrum of financial services including banking, wealth management, and investment solutions throughout the United States. Its product suite features various deposit accounts like checking, savings, money market, certificates of deposit, and individual retirement accounts. The company provides an extensive range of loan products, such as commercial and industrial financing primarily for small to mid-sized enterprises, commercial real estate loans secured by non-residential and multi-family properties, residential real estate loans for home purchases or refinancing, and first-priority home equity loans. Consumer loans are also available, which can be secured by assets like vehicles, boats, recreational vehicles, or CDs, or remain unsecured; the company also covers demand deposit account overdrafts. Its mortgage banking division handles fixed and adjustable-rate mortgages, construction financing, land acquisition loans, and the origination of conventional and government-insured mortgages, supported by secondary market operations and mortgage servicing. For business clients, services include treasury management, lockbox facilities, and other cash management tools, as well as merchant credit card processing. The wealth management segment delivers trust administration, investment, and custodial services to both corporate and individual clients, encompassing corporate trust, institutional custody, financial and estate planning, and retirement plan services. Additionally, it offers modern banking access via ATMs, interactive teller machines (ITMs), mobile banking, interactive voice response (IVR) systems, and various credit and debit card services. The company maintains a presence with 94 branches and approximately 905 full-time equivalent employees across West Virginia, Virginia, Kentucky, and Ohio. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.

Charleston, WV

934 employees

www.bankatcity.com

Financial Services / Banks - Regional

Sector: Financial Services
Industry: Banks - Regional
CEO: Charles R. Hageboeck

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Financials

SEC Filings

Quarterly Income Statement (USD)

Swipe horizontally to review earlier periods. The line-item column stays pinned.

Quarterly Report	TTM	Quarter ended Jun 2026	Quarter ended Mar 2026	Quarter ended Dec 2025	Quarter ended Sep 2025	Quarter ended Jun 2025	Quarter ended Mar 2025	Quarter ended Dec 2024	Quarter ended Sep 2024
Revenue	379.71M	80.21M	98.40M	101.08M	100.02M	97.03M	93.98M	93.29M	96.11M
Cost of Goods Sold	80.58M	19.45M	19.75M	20.89M	20.48M	19.37M	21.57M	23.54M	23.65M
Gross Profit	299.13M	60.76M	78.65M	80.19M	79.53M	77.67M	72.40M	69.75M	72.46M
Gross Profit Margin	78.8%	75.7%	79.9%	79.3%	79.5%	80.0%	77.0%	74.8%	75.4%
Total Operating Expenses	154.83M	40.20M	39.38M	39.55M	35.69M	36.50M	35.49M	35.27M	35.35M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	108.23M	39.77M	26.48M	20.77M	21.21M	21.71M	20.84M	21.12M	21.06M
Operating Income (EBIT)	144.31M	20.56M	39.26M	40.64M	43.85M	41.16M	36.92M	34.48M	37.12M
Operating Margin	38.0%	25.6%	39.9%	40.2%	43.8%	42.4%	39.3%	37.0%	38.6%
Income Before Tax (EBT)	163.97M	41.32M	39.26M	39.54M	43.85M	41.16M	36.92M	34.48M	37.12M
Interest Income	322.52M	80.21M	78.77M	81.45M	82.09M	80.29M	77.39M	78.82M	78.05M
Interest Expense	80.48M	19.45M	19.15M	20.89M	20.98M	21.37M	21.57M	23.24M	22.45M
Other Income/Expense	19.66M	20.76M	0.00	-1.10M	0.00	0.00	0.00	0.00	0.00
Net Income	131.79M	33.30M	31.73M	31.57M	35.19M	33.39M	30.34M	28.65M	29.81M
Income Tax Expense	32.18M	8.02M	7.53M	7.97M	8.66M	7.77M	6.58M	5.83M	7.31M
Net Profit Margin	34.7%	41.5%	32.3%	31.2%	35.2%	34.4%	32.3%	30.7%	31.0%
EBITDA	154.61M	25.27M	40.38M	43.15M	45.80M	44.73M	40.05M	38.82M	39.92M
EBITDA Margin	40.7%	31.5%	41.0%	42.7%	45.8%	46.1%	42.6%	41.6%	41.5%
Depreciation & Amortization	10.30M	4.71M	1.12M	2.51M	1.95M	3.57M	3.14M	4.34M	2.80M
EPS Basic	9.14	2.35	2.20	2.18	2.41	2.29	2.06	1.94	2.02
EPS Diluted	9.14	2.35	2.20	2.18	2.41	2.29	2.06	1.94	2.02
Weighted Average Basic Shares	14.05M	14.05M	14.27M	14.36M	14.46M	14.47M	14.62M	14.63M	14.63M
Weighted Average Diluted Shares	14.06M	14.06M	14.27M	14.37M	14.46M	14.47M	14.63M	14.70M	14.65M

Annual Income Statement (USD)

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Annual Report	12/31/2025	12/31/2024	12/31/2023	12/31/2022	12/31/2021	12/31/2020	12/31/2019	12/31/2018
Revenue	392.11M	371.25M	334.45M	255.73M	228.65M	255.05M	260.63M	219.96M
Cost of Goods Sold	82.31M	88.01M	55.27M	10.13M	6.73M	34.34M	35.09M	23.38M
Gross Profit	309.80M	283.24M	279.18M	245.60M	221.92M	220.71M	225.55M	196.58M
Gross Profit Margin	79.0%	76.3%	83.5%	96.0%	97.1%	86.5%	86.5%	89.4%
Total Operating Expenses	147.23M	138.73M	136.07M	118.74M	110.73M	109.40M	112.06M	108.56M
Research & Development	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Selling, General & Administrative	84.54M	83.08M	79.20M	71.61M	66.52M	65.73M	66.12M	58.61M
Operating Income (EBIT)	162.56M	144.52M	143.11M	127.33M	111.19M	111.31M	113.49M	88.02M
Operating Margin	41.5%	38.9%	42.8%	49.8%	48.6%	43.6%	43.5%	40.0%
Income Before Tax (EBT)	161.47M	144.52M	143.11M	127.33M	111.19M	111.31M	113.49M	88.02M
Interest Income	321.22M	306.43M	271.26M	189.69M	165.47M	178.26M	197.70M	163.90M
Interest Expense	84.81M	86.19M	52.02M	9.65M	9.89M	23.61M	36.34M	25.69M
Other Income/Expense	-1.10M	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Net Income	130.49M	117.10M	114.36M	102.07M	88.08M	89.59M	89.35M	70.00M
Income Tax Expense	30.98M	27.41M	28.74M	25.26M	23.11M	21.72M	24.14M	18.02M
Net Profit Margin	33.3%	31.5%	34.2%	39.9%	38.5%	35.1%	34.3%	31.8%
EBITDA	171.23M	157.72M	153.83M	143.11M	125.81M	121.98M	119.19M	94.39M
EBITDA Margin	43.7%	42.5%	46.0%	56.0%	55.0%	47.8%	45.7%	42.9%
Depreciation & Amortization	8.66M	13.20M	10.72M	15.78M	14.61M	10.67M	5.70M	6.37M
EPS Basic	8.94	7.91	7.62	6.81	5.67	5.55	5.43	4.54
EPS Diluted	8.94	7.89	7.61	6.80	5.66	5.55	5.42	4.53
Weighted Average Basic Shares	14.36M	14.68M	14.87M	14.85M	15.38M	15.97M	16.31M	15.42M
Weighted Average Diluted Shares	14.37M	14.70M	14.89M	14.87M	15.41M	15.99M	16.33M	15.44M

Values are displayed in USD. Negative numbers shown in red.

Values are displayed in USD. Negative numbers are shown in red.