City Holding (CHCO) Debt/Equity Ratio: 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

View full financials

CHCO Debt to Equity Ratio Metrics

DEBT TO EQUITY RATIO

0.65

DEBT TO EQUITY RATIO AVG TTM

0.65

DEBT TO EQUITY RATIO AVG 3Y

0.65

DEBT TO EQUITY RATIO AVG 5Y

0.59

DEBT TO EQUITY RATIO AVG 10Y

0.53

DEBT TO EQUITY RATIO AVG 15Y

0.49

DEBT TO EQUITY RATIO AVG 20Y

0.51

CURRENT VS TTM AVG

+0.55%

CURRENT VS 3Y AVG

+0.45%

CURRENT VS 5Y AVG

+10.41%

CURRENT VS 10Y AVG

+23.30%

CURRENT VS 15Y AVG

+32.26%

CURRENT VS 20Y AVG

+28.66%

SECTOR MEDIAN · FINANCIAL SERVICES

0.28

median of 700 covered companies

CURRENT VS SECTOR MEDIAN

+132.91%

vs the sector median at left

NAME	MARKET CAP	DEBT TO EQUITY RATIO	TTM	3Y	5Y
City Holding Company (CHCO)	$2.00B	0.65	0.65	0.65	0.59
Enterprise Financial Services Corp (EFSCP)vs ›	$1.99B	0.33	0.24	0.28	0.33
The Bancorp, Inc. (TBBK)vs ›	$2.02B	1.36	0.24	0.21	0.22
Porch Group, Inc. (PRCH)vs ›	$1.95B	N/A	3.76	2.66	2.66
UMB Financial Corporation (UMBFO)vs ›	$1.93B	N/A	N/A	N/A	N/A
1st Source Corporation (SRCE)vs ›	$2.06B	0.22	0.28	0.33	0.33
First Busey Corporation (BUSEP)vs ›	$2.08B	N/A	N/A	N/A	N/A
Apex Treasury Corporation Class A (APXT)vs ›	$1.89B	0.04	0.03	0.03	0.02
Sharplink, Inc. (SBET)vs ›	$1.87B	0.00	0.00	0.33	0.21
Encore Capital Group, Inc. (ECPG)vs ›	$2.13B	4.52	4.51	3.75	3.38

NAME

MARKET CAP

DEBT TO EQUITY RATIO

TTM

City Holding Company (CHCO)

$2.00B

0.65

0.59

Enterprise Financial Services Corp (EFSCP)vs ›

$1.99B

0.33

0.24

0.28

0.33

The Bancorp, Inc. (TBBK)vs ›

$2.02B

1.36

0.24

0.21

0.22

Porch Group, Inc. (PRCH)vs ›

$1.95B

N/A

3.76

2.66

UMB Financial Corporation (UMBFO)vs ›

$1.93B

N/A

1st Source Corporation (SRCE)vs ›

$2.06B

0.22

0.28

0.33

First Busey Corporation (BUSEP)vs ›

$2.08B

N/A

Apex Treasury Corporation Class A (APXT)vs ›

$1.89B

0.04

0.03

0.02

Sharplink, Inc. (SBET)vs ›

$1.87B

0.00

0.33

0.21

Encore Capital Group, Inc. (ECPG)vs ›

$2.13B

4.52

4.51

3.75

3.38

Debt to Equity Ratio FAQ

What is the debt to equity ratio for City Holding Company (CHCO)?

The debt to equity ratio for CHCO stock is 0.65.

Is City Holding Company's debt to equity ratio high or low?

The debt to equity ratio of 0.65 is 10% above its 5-year average of 0.59, near the high end of its 5-year range (0.44–0.69).

What is the TTM average debt to equity ratio for City Holding Company (CHCO)?

The TTM average debt to equity ratio for CHCO stock is 0.65.

What is the 3Y average debt to equity ratio for City Holding Company (CHCO)?

The 3Y average debt to equity ratio for CHCO stock is 0.65.

What is the 5Y average debt to equity ratio for City Holding Company (CHCO)?

The 5Y average debt to equity ratio for CHCO stock is 0.59.

What is the 10Y average debt to equity ratio for City Holding Company (CHCO)?

The 10Y average debt to equity ratio for CHCO stock is 0.53.

What is the 15Y average debt to equity ratio for City Holding Company (CHCO)?

The 15Y average debt to equity ratio for CHCO stock is 0.49.

What is the 20Y average debt to equity ratio for City Holding Company (CHCO)?

The 20Y average debt to equity ratio for CHCO stock is 0.51.

DATE	DEBT TO EQUITY RATIO
2026-06-30	0.65
2026-03-31	0.66
2025-12-31	0.64
2025-09-30	0.65
2025-06-30	0.64
2025-03-31	0.66
2024-12-31	0.65
2024-09-30	0.66
2024-06-30	0.69
2024-03-31	0.67
2023-12-31	0.64
2023-09-30	0.62
2023-06-30	0.58
2023-03-31	0.45
2022-12-31	0.50
2022-09-30	0.56
2022-06-30	0.68
2022-03-31	0.46
2021-12-31	0.46
2021-09-30	0.44
2021-06-30	0.45
2021-03-31	0.46
2020-12-31	0.42
2020-09-30	0.40
2020-06-30	0.41
2020-03-31	0.36
2019-12-31	0.33
2019-09-30	0.32
2019-06-30	0.33
2019-03-31	0.32
2018-12-31	0.44
2018-09-30	0.79
2018-06-30	0.78
2018-03-31	0.43
2017-12-31	0.53
2017-09-30	0.60
2017-06-30	0.49
2017-03-31	0.42
2016-12-31	0.60
2016-09-30	0.45
2016-06-30	0.40
2016-03-31	0.41
2015-12-31	0.41
2015-09-30	0.39
2015-06-30	0.41
2015-03-31	0.37
2014-12-31	0.39
2014-09-30	0.42
2014-06-30	0.38
2014-03-31	0.35
2013-12-31	0.40
2013-09-30	0.44
2013-06-30	0.38
2013-03-31	0.36
2012-12-31	0.39
2012-09-30	0.45
2012-06-30	0.44
2012-03-31	0.41
2011-12-31	0.66
2011-09-30	0.47
2011-06-30	0.46
2011-03-31	0.44
2010-12-31	0.41
2010-09-30	0.41
2010-06-30	0.42
2010-03-31	0.40
2009-12-31	0.44
2009-09-30	0.49
2009-06-30	0.53
2009-03-31	0.51
2008-12-31	0.75
2008-09-30	0.57
2008-06-30	0.52
2008-03-31	0.53
2007-12-31	0.57
2007-09-30	0.64
2007-06-30	0.63
2007-03-31	0.59
2006-12-31	0.60
2006-09-30	0.71
2006-06-30	0.82
2006-03-31	0.87
2005-12-31	0.86
2005-09-30	1.09
2005-06-30	1.08
2005-03-31	1.43
2004-12-31	1.36
2004-09-30	1.56
2004-06-30	1.62
2004-03-31	1.67
2003-12-31	1.88
2003-09-30	1.07
2003-06-30	1.02
2003-03-31	1.17
2002-12-31	1.20
2002-09-30	0.92

DATE

DEBT TO EQUITY RATIO

2026-06-30

0.65

2026-03-31

0.66

2025-12-31

0.64

2025-09-30

0.65

2025-06-30

0.64

2025-03-31

0.66

2024-12-31

0.65

2024-09-30

0.66

2024-06-30

0.69

2024-03-31

0.67

2023-12-31

0.64

2023-09-30

0.62

2023-06-30

0.58

2023-03-31

0.45

2022-12-31

0.50

2022-09-30

0.56

2022-06-30

0.68

2022-03-31

0.46

2021-12-31

0.46

2021-09-30

0.44

2021-06-30

0.45

2021-03-31

0.46

2020-12-31

0.42

2020-09-30

0.40

2020-06-30

0.41

2020-03-31

0.36

2019-12-31

0.33

2019-09-30

0.32

2019-06-30

0.33

2019-03-31

0.32

2018-12-31

0.44

2018-09-30

0.79

2018-06-30

0.78

2018-03-31

0.43

2017-12-31

0.53

2017-09-30

0.60

2017-06-30

0.49

2017-03-31

0.42

2016-12-31

0.60

2016-09-30

0.45

2016-06-30

0.40

2016-03-31

0.41

2015-12-31

0.41

2015-09-30

0.39

2015-06-30

0.41

2015-03-31

0.37

2014-12-31

0.39

2014-09-30

0.42

2014-06-30

0.38

2014-03-31

0.35

2013-12-31

0.40

2013-09-30

0.44

2013-06-30

0.38

2013-03-31

0.36

2012-12-31

0.39

2012-09-30

0.45

2012-06-30

0.44

2012-03-31

0.41

2011-12-31

0.66

2011-09-30

0.47

2011-06-30

0.46

2011-03-31

0.44

2010-12-31

0.41

2010-09-30

0.41

2010-06-30

0.42

2010-03-31

0.40

2009-12-31

0.44

2009-09-30

0.49

2009-06-30

0.53

2009-03-31

0.51

2008-12-31

0.75

2008-09-30

0.57

2008-06-30

0.52

2008-03-31

0.53

2007-12-31

0.57

2007-09-30

0.64

2007-06-30

0.63

2007-03-31

0.59

2006-12-31

0.60

2006-09-30

0.71

2006-06-30

0.82

2006-03-31

0.87

2005-12-31

0.86

2005-09-30

1.09

2005-06-30

1.08

2005-03-31

1.43

2004-12-31

1.36

2004-09-30

1.56

2004-06-30

1.62

2004-03-31

1.67

2003-12-31

1.88

2003-09-30

1.07

2003-06-30

1.02

2003-03-31

1.17

2002-12-31

1.20

2002-09-30

0.92

Debt to Equity Ratio: 0.65

CHCO Debt to Equity Ratio

CHCO Average Debt to Equity Ratio Chart

CHCO Current vs Average Debt to Equity Ratio Chart

CHCO Debt to Equity Ratio Metrics

CHCO Competitors' Debt to Equity Ratio

Financial Health

Debt to Equity Ratio Formula & Definition

Debt to Equity Ratio FAQ

CHCO Debt to Equity Ratio History

Related Metrics