City Hldg Co Financials
This page shows City Hldg Co (CHCO) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
Financial Health Signals
Based on FY2024 annual data. Scores normalized against common benchmarks. How we calculate these scores
City Hldg Co's revenue grew a modest 4.2% year-over-year to $72.0M. This slow but positive growth earns a score of 41/100.
City Hldg Co carries a low D/E ratio of 0.21, meaning only $0.21 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 100/100, indicating a strong balance sheet with room for future borrowing.
City Hldg Co converts 179.4% of revenue into free cash flow ($129.2M). This strong cash generation earns a score of 100/100.
City Hldg Co's ROE of 16.0% shows moderate profitability relative to equity, earning a score of 64/100. This is down from 16.9% the prior year.
City Hldg Co passes 3 of 9 financial strength tests. 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, City Hldg Co generates $1.13 in operating cash flow ($131.9M OCF vs $117.1M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.
Key Financial Metrics
City Hldg Co generated $72.0M in revenue in fiscal year 2024. This represents an increase of 4.2% from the prior year.
City Hldg Co generated $129.2M in free cash flow in fiscal year 2024, representing cash available after capex. This represents a decrease of 4.0% from the prior year.
City Hldg Co reported $117.1M in net income in fiscal year 2024. This represents an increase of 2.4% from the prior year.
City Hldg Co earned $7.89 per diluted share (EPS) in fiscal year 2024. This represents an increase of 3.7% from the prior year.
City Hldg Co held $225.4M in cash against $150.0M in long-term debt as of fiscal year 2024.
City Hldg Co paid $3.01 per share in dividends in fiscal year 2024. This represents an increase of 10.3% from the prior year.
City Hldg Co's net profit margin was 162.7% in fiscal year 2024, showing the share of revenue converted to profit. This is down 2.9 percentage points from the prior year.
City Hldg Co's ROE was 16.0% in fiscal year 2024, measuring profit generated per dollar of shareholder equity. This is down 0.9 percentage points from the prior year.
City Hldg Co spent $17.9M on share buybacks in fiscal year 2024, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 70.2% from the prior year.
City Hldg Co invested $2.7M in capex in fiscal year 2024, funding long-term assets and infrastructure. This represents a decrease of 8.6% from the prior year.
CHCO Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'23 | Q3'24 | Q2'24 | Q1'24 | Q4'22 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $82.1M+2.2% | $80.3M+3.8% | $77.4M | N/A | $70.2M+3.7% | $67.7M+10.0% | $61.5M+8.7% | $56.6M |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Income | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Interest Expense | $21.0M-1.8% | $21.4M-1.0% | $21.6M | N/A | $14.6M+19.7% | $12.2M+50.9% | $8.1M+77.7% | $4.5M |
| Income Tax | $8.7M+11.4% | $7.8M+18.2% | $6.6M | N/A | $8.0M+0.9% | $7.9M+26.0% | $6.3M-8.3% | $6.8M |
| Net Income | $35.2M+5.4% | $33.4M+10.0% | $30.3M | N/A | $29.8M-8.8% | $32.7M+34.5% | $24.3M-20.6% | $30.7M |
| EPS (Diluted) | $2.41+5.2% | $2.29+11.2% | $2.06 | N/A | $1.98-8.3% | $2.16+32.5% | $1.63-20.5% | $2.05 |
CHCO Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'23 | Q3'24 | Q2'24 | Q1'24 | Q4'22 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $6.7B+1.1% | $6.6B-0.4% | $6.6B+7.4% | $6.2B+1.5% | $6.1B-1.2% | $6.1B-1.0% | $6.2B+5.7% | $5.9B |
| Current Assets | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Cash & Equivalents | $225.6M+31.1% | $172.1M-55.3% | $384.7M+146.2% | $156.3M+41.2% | $110.7M-52.1% | $231.3M-23.6% | $302.8M+51.4% | $200.0M |
| Inventory | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Accounts Receivable | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Goodwill | $149.8M | N/A | N/A | $149.9M | N/A | N/A | N/A | $108.9M |
| Total Liabilities | $5.9B+0.6% | $5.8B-0.6% | $5.9B+6.8% | $5.5B+0.5% | $5.5B-0.8% | $5.5B-0.9% | $5.6B+4.9% | $5.3B |
| Current Liabilities | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Long-Term Debt | $150.0M0.0% | $150.0M0.0% | $150.0M+50.0% | $100.0M0.0% | $100.0M0.0% | $100.0M | N/A | $0 |
| Total Equity | $798.9M+4.5% | $764.2M+1.0% | $756.3M+11.7% | $677.1M+11.0% | $610.1M-4.1% | $636.2M-2.3% | $651.0M+12.7% | $577.9M |
| Retained Earnings | $916.0M+2.5% | $893.4M+2.5% | $871.4M+11.7% | $780.3M+2.2% | $763.4M+2.6% | $744.2M+3.1% | $721.7M+2.1% | $706.7M |
CHCO Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'23 | Q3'24 | Q2'24 | Q1'24 | Q4'22 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $37.3M+32.2% | $28.2M-10.5% | $31.5M-6.0% | $33.5M-8.7% | $36.7M+34.0% | $27.4M-31.3% | $39.9M+17.2% | $34.0M |
| Capital Expenditures | $1.5M+296.9% | $388K+53.4% | $253K-55.6% | $570K-14.3% | $665K-40.1% | $1.1M+80.4% | $616K+32.8% | $464K |
| Free Cash Flow | $35.8M+28.5% | $27.8M-11.0% | $31.3M-5.2% | $33.0M-8.6% | $36.1M+37.1% | $26.3M-33.1% | $39.3M+17.0% | $33.6M |
| Investing Cash Flow | -$10.1M+94.7% | -$192.1M-1617.2% | $12.7M+169.7% | -$18.2M+75.7% | -$74.8M-245.2% | -$21.7M-116.8% | $129.4M+994.3% | -$14.5M |
| Financing Cash Flow | $26.3M+154.0% | -$48.8M-142.3% | $115.1M+281.4% | $30.2M+136.6% | -$82.5M-6.7% | -$77.3M-16.3% | -$66.4M+43.7% | -$117.9M |
| Dividends Paid | $11.5M-1.2% | $11.6M-0.1% | $11.6M+9.2% | $10.6M+8.9% | $9.8M-2.5% | $10.0M+4.3% | $9.6M-0.6% | $9.7M |
| Share Buybacks | $0-100.0% | $19.4M+105.3% | $9.5M+50.1% | $6.3M-35.5% | $9.8M-59.2% | $24.0M+19.2% | $20.1M+212.4% | $6.4M |
CHCO Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q4'23 | Q3'24 | Q2'24 | Q1'24 | Q4'22 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Net Margin | 42.9%+1.3pp | 41.6%+2.4pp | 39.2% | N/A | 42.5%-5.8pp | 48.4%+8.8pp | 39.6%-14.6pp | 54.2% |
| Return on Equity | 4.4%+0.0pp | 4.4%+0.4pp | 4.0% | N/A | 4.9%-0.3pp | 5.1%+1.4pp | 3.7%-1.6pp | 5.3% |
| Return on Assets | 0.5%+0.0pp | 0.5%+0.1pp | 0.5% | N/A | 0.5%-0.0pp | 0.5%+0.1pp | 0.4%-0.1pp | 0.5% |
| Current Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt-to-Equity | 0.190.0 | 0.200.0 | 0.20+0.1 | 0.15-0.0 | 0.160.0 | 0.16-8.4 | 8.54+8.5 | 0.00 |
| FCF Margin | 43.5%+8.9pp | 34.7%-5.7pp | 40.4% | N/A | 51.4%+12.5pp | 38.9%-25.0pp | 63.8%+4.5pp | 59.4% |
Similar Companies
Frequently Asked Questions
What is City Hldg Co's annual revenue?
City Hldg Co (CHCO) reported $72.0M in total revenue for fiscal year 2024. This represents a 4.2% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is City Hldg Co's revenue growing?
City Hldg Co (CHCO) revenue grew by 4.2% year-over-year, from $69.1M to $72.0M in fiscal year 2024.
Is City Hldg Co profitable?
Yes, City Hldg Co (CHCO) reported a net income of $117.1M in fiscal year 2024, with a net profit margin of 162.7%.
What is City Hldg Co's earnings per share (EPS)?
City Hldg Co (CHCO) reported diluted earnings per share of $7.89 for fiscal year 2024. This represents a 3.7% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.
How much debt does City Hldg Co have?
As of fiscal year 2024, City Hldg Co (CHCO) had $225.4M in cash and equivalents against $150.0M in long-term debt.
What is City Hldg Co's net profit margin?
City Hldg Co (CHCO) had a net profit margin of 162.7% in fiscal year 2024, representing the share of revenue converted into profit after all expenses.
Does City Hldg Co pay dividends?
Yes, City Hldg Co (CHCO) paid $3.01 per share in dividends during fiscal year 2024.
What is City Hldg Co's return on equity (ROE)?
City Hldg Co (CHCO) has a return on equity of 16.0% for fiscal year 2024, measuring how efficiently the company generates profit from shareholder equity.
What is City Hldg Co's free cash flow?
City Hldg Co (CHCO) generated $129.2M in free cash flow during fiscal year 2024. This represents a -4.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is City Hldg Co's operating cash flow?
City Hldg Co (CHCO) generated $131.9M in operating cash flow during fiscal year 2024, representing cash generated from core business activities.
What are City Hldg Co's total assets?
City Hldg Co (CHCO) had $6.5B in total assets as of fiscal year 2024, including both current and long-term assets.
What are City Hldg Co's capital expenditures?
City Hldg Co (CHCO) invested $2.7M in capital expenditures during fiscal year 2024, funding long-term assets and infrastructure.
Does City Hldg Co buy back shares?
Yes, City Hldg Co (CHCO) spent $17.9M on share buybacks during fiscal year 2024, returning capital to shareholders by reducing shares outstanding.
What is City Hldg Co's debt-to-equity ratio?
City Hldg Co (CHCO) had a debt-to-equity ratio of 0.21 as of fiscal year 2024, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is City Hldg Co's return on assets (ROA)?
City Hldg Co (CHCO) had a return on assets of 1.8% for fiscal year 2024, measuring how efficiently the company uses its assets to generate profit.
What is City Hldg Co's Piotroski F-Score?
City Hldg Co (CHCO) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are City Hldg Co's earnings high quality?
City Hldg Co (CHCO) has an earnings quality ratio of 1.13x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is City Hldg Co?
City Hldg Co (CHCO) scores 76 out of 100 on our Financial Profile, indicating strong overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.