What is City Hldg Co's earnings per share (EPS)?

City Hldg Co (CHCO) reported diluted earnings per share of $8.93 for fiscal year 2025. This represents a 13.2% 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.

City Hldg Co (CHCO) Financials

CHCO

Trailing 12 months to June 30, 2026

Revenue $321.9M +7.1% YoY

Net Income $131.8M +7.9% YoY

EPS (Diluted) $9.14 +10.1% YoY

Free Cash Flow $138.5M +7.5% YoY

Market Cap $2.0B as of Sep 3, 2026

Price / Sales 6.3x on $321.9M revenue, trailing 12 months to June 30, 2026

Price / Earnings 15.3x on $131.8M net income, trailing 12 months to June 30, 2026

Price / Book 2.5x on $808.9M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 3, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 5, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 5, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CHCO SEC filings page.

City Hldg Co (CHCO) reported $321.9M in revenue over the twelve months to Jun 30, 2026, up 7.1% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).

Rhea AI CHCO FY2025 2026-08-29

The dominant mechanic is near-cash earnings conversion within an equity-supported balance sheet carrying modest reported debt.

Between FY2023 and FY2025, net income increased from $114.4M to $130.5M. Operating cash flow moved from $137.6M to $131.4M over the same span, so earnings growth was not accompanied by expanding operating cash generation; in FY2025, the two remained closely aligned.

Assets expanded from $6.2B in FY2023 to $6.7B in FY2025. Equity rose from $677.1M to $809.7M over that period. The latest debt-to-equity ratio was only 0.2x, indicating growth was not chiefly debt-funded on this reported measure.

In FY2025, free cash flow was $128.4M against operating cash flow of $131.4M, leaving only a small conversion gap. Recorded capital expenditures were $2.9M, so reported reinvestment absorbed little of the operating inflow.

Financial Health Signals

Financial Health Score 53/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of City Hldg Co's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

City Hldg Co earned a return on assets of 1.9% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 1.8% the prior year. Earnings ranks banks on that return over three years, and City Hldg Co scores 91/100 among other banks.

Growth

City Hldg Co reported revenue of $314.2M in fiscal year 2025, against $293.6M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and City Hldg Co scores 25/100 among other banks.

Capital

City Hldg Co funded 12.0% of its assets with shareholders' equity at the end of fiscal year 2025, holding $809.7M of equity against $6.7B of assets. Capital ranks banks on that cushion, and City Hldg Co scores 59/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. City Hldg Co scores 65/100 on it among other banks.

Credit Quality

Not available for City Hldg Co, and counted as zero in the overall score.

Stability

City Hldg Co reported net income of $130.5M in fiscal year 2025, against $117.1M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and City Hldg Co scores 79/100 among other banks.

Piotroski F-Score Partial

7/7

City Hldg Co passes 7 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), all 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.01x

For every $1 of reported earnings, City Hldg Co generates $1.01 in operating cash flow ($131.4M OCF vs $130.5M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$81.5M

YoY+3.9%

QoQ+2.9%

5Y CAGR+8.0%

10Y CAGR+6.5%

City Hldg Co generated $81.5M in revenue in Q2 2026. This represents an increase of 3.9% from the same quarter a year earlier. Against the prior quarter it is up 2.9%.

Net Income

$33.3M

YoY-0.3%

QoQ+4.9%

5Y CAGR+8.5%

10Y CAGR+10.3%

City Hldg Co reported $33.3M in net income in Q2 2026. This represents a decrease of 0.3% from the same quarter a year earlier. Against the prior quarter it is up 4.9%.

EPS (Diluted)

$2.35

YoY+2.6%

QoQ+6.8%

5Y CAGR+10.8%

10Y CAGR+11.0%

City Hldg Co earned $2.35 per diluted share (EPS) in Q2 2026. This represents an increase of 2.6% from the same quarter a year earlier. Against the prior quarter it is up 6.8%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$31.8M

YoY+14.7%

QoQ-14.6%

5Y CAGR+10.4%

10Y CAGR+3.7%

City Hldg Co generated $31.8M in free cash flow in Q2 2026, representing cash available after capex. This represents an increase of 14.7% from the same quarter a year earlier. Against the prior quarter it is down 14.6%.

Cash & Debt

$267.2M

YoY+55.2%

QoQ-10.6%

5Y CAGR-15.2%

10Y CAGR+13.0%

City Hldg Co held $267.2M in cash against $150.0M in long-term debt as of Q2 2026.

Dividends Per Share

$0.87

YoY+10.1%

QoQ0.0%

5Y CAGR+8.4%

10Y CAGR+7.3%

City Hldg Co paid $0.87 per share in dividends in Q2 2026. This represents an increase of 10.1% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

14M

YoY-3.1%

QoQ-0.5%

5Y CAGR-1.8%

10Y CAGR-0.7%

City Hldg Co had 14M shares outstanding in Q2 2026. This represents a decrease of 3.1% from the same quarter a year earlier. Against the prior quarter it is down 0.5%.

Margins & Returns

Net Margin

40.8%

YoY-1.7pp

QoQ+0.8pp

5Y CAGR+0.8pp

10Y CAGR+11.9pp

City Hldg Co's net profit margin was 40.8% in Q2 2026, showing the share of revenue converted to profit. This is down 1.7 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.8 percentage points.

Return on Equity

4.1%

YoY-0.3pp

QoQ+0.1pp

5Y CAGR+0.9pp

10Y CAGR+1.2pp

City Hldg Co's ROE was 4.1% in Q2 2026, measuring profit generated per dollar of shareholder equity. This is down 0.3 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.1 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$7.3M

YoY-62.6%

QoQ-76.4%

5Y CAGR-15.7%

10Y CAGR+54.6%

City Hldg Co spent $7.3M on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents a decrease of 62.6% from the same quarter a year earlier. Against the prior quarter it is down 76.4%.

Capital Expenditures

$823K

YoY+112.1%

QoQ+13.4%

5Y CAGR-11.5%

10Y CAGR+0.5%

City Hldg Co invested $823K in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 112.1% from the same quarter a year earlier. Against the prior quarter it is up 13.4%.

R&D Spending

Not reported for Q2 2026.

CHCO Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CHCO quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$321.9M	$314.2M+7.0%	$293.6M+1.3%	$289.9M+15.0%	$252.1M+11.9%	$225.2M-5.1%	$237.3M+3.3%	$229.9M+15.6%	$198.8M+4.8%	$189.7M+6.7%	$177.8M-2.6%	$182.4M+3.5%	$176.3M-3.8%	$183.2M+19.8%	$153.0M+4.1%	$147.0M
SG&A Expenses	$80.6M	$79.2M+3.7%	$76.4M+4.4%	$73.2M+10.0%	$66.5M+7.6%	$61.9M-0.4%	$62.1M-0.1%	$62.1M+14.3%	$54.4M+6.5%	$51.1M+0.3%	$50.9M+6.3%	$47.8M-7.5%	$51.7M+0.6%	$51.4M+18.2%	$43.5M+6.9%	$40.7M
Interest Expense	$80.5M	$84.8M-1.6%	$86.2M+65.7%	$52.0M+438.8%	$9.7M-2.4%	$9.9M-58.1%	$23.6M-35.0%	$36.3M+41.4%	$25.7M+52.9%	$16.8M+27.2%	$13.2M+11.6%	$11.8M-1.1%	$12.0M-10.1%	$13.3M-8.0%	$14.4M-30.4%	$20.8M
Income Tax	$32.2M	$31.0M+13.0%	$27.4M-4.6%	$28.7M+13.8%	$25.3M+9.3%	$23.1M+6.4%	$21.7M-10.0%	$24.1M+34.0%	$18.0M-50.6%	$36.4M+45.3%	$25.1M-11.7%	$28.4M+17.1%	$24.3M-4.0%	$25.3M+24.5%	$20.3M-1.3%	$20.6M
Net Income	$131.8M	$130.5M+11.4%	$117.1M+2.4%	$114.4M+12.0%	$102.1M+15.9%	$88.1M-1.7%	$89.6M+0.3%	$89.4M+27.6%	$70.0M+28.9%	$54.3M+4.2%	$52.1M-3.6%	$54.1M+2.1%	$53.0M+9.8%	$48.2M+23.8%	$38.9M-4.3%	$40.7M
EPS (Basic)	N/A	$8.94+13.0%	$7.91+3.8%	$7.62+11.9%	$6.81+20.1%	$5.67+2.2%	$5.55+2.2%	$5.43+20.7%	$4.50+28.9%	$3.49+0.9%	$3.46-2.3%	$3.54+4.1%	$3.40+10.7%	$3.07+16.7%	$2.63-1.9%	$2.68
EPS (Diluted)	$9.14	$8.93+13.2%	$7.89+3.7%	$7.61+11.9%	$6.80+20.1%	$5.66+2.0%	$5.55+2.4%	$5.42+20.7%	$4.49+29.0%	$3.48+0.9%	$3.45-2.3%	$3.53+4.4%	$3.38+11.2%	$3.04+16.5%	$2.61-2.2%	$2.67
Diluted Shares (Avg)	N/A	14M-1.5%	15M-1.3%	15M+0.1%	15M-3.5%	15M-3.7%	16M-2.1%	16M+5.8%	15M0.0%	15M+3.5%	15M-1.7%	15M-2.0%	15M-1.4%	16M+6.2%	15M-2.2%	15M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$81.5M+3.9%	$79.2M+6.3%	$79.9M+11.4%	$81.3M+7.0%	$78.4M+6.7%	$74.6M+3.0%	$71.7M+4.1%	$76.0M+4.0%
SG&A Expenses	$20.5M+2.3%	$20.2M+5.2%	$20.2M+3.6%	$19.8M+2.8%	$20.0M+6.6%	$19.2M+1.7%	$19.5M+3.8%	$19.2M+5.2%
Interest Expense	$19.5M-9.0%	$19.2M-11.2%	$20.9M-10.1%	$21.0M-6.5%	$21.4M0.0%	$21.6M+12.7%	$23.2M+35.1%	$22.4M+54.0%
Income Tax	$8.0M+3.2%	$7.5M+14.5%	$8.0M+36.8%	$8.7M+18.5%	$7.8M+8.7%	$6.6M-7.8%	$5.8M-12.2%	$7.3M-8.2%
Net Income	$33.3M-0.3%	$31.7M+4.6%	$31.6M+10.2%	$35.2M+18.0%	$33.4M+14.7%	$30.3M+2.8%	$28.7M+4.4%	$29.8M-0.1%
EPS (Basic)	$2.35+2.6%	$2.20+6.8%	$2.18+11.8%	$2.41+19.3%	$2.29+16.8%	$2.06+4.0%	$1.95+6.0%	$2.02+2.0%
EPS (Diluted)	$2.35+2.6%	$2.20+6.8%	$2.18+13.0%	$2.41+19.3%	$2.29+16.8%	$2.06+4.6%	$1.93+4.9%	$2.02+2.0%
Diluted Shares (Avg)	14M-2.8%	14M-2.4%	N/A	14M-1.3%	14M-1.6%	15M-1.3%	N/A	15M-1.9%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income, EBITDA.

CHCO Balance Sheet

CHCO quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$6.7B+4.1%	$6.5B+4.7%	$6.2B+4.9%	$5.9B-2.1%	$6.0B+4.3%	$5.8B+14.7%	$5.0B+2.4%	$4.9B+18.6%	$4.1B+3.7%	$4.0B+7.3%	$3.7B+7.3%	$3.5B+2.8%	$3.4B+15.5%	$2.9B+5.1%	$2.8B
Cash & Equivalents	$191.9M-14.8%	$225.4M+44.2%	$156.3M-21.9%	$200.0M-68.5%	$634.6M+20.0%	$528.7M+277.2%	$140.1M+13.9%	$123.0M+49.1%	$82.5M-6.4%	$88.1M+25.7%	$70.1M-52.7%	$148.2M+72.6%	$85.9M+1.0%	$85.0M-41.9%	$146.4M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$149.8M0.0%	$149.8M-0.1%	$149.9M+37.6%	$108.9M0.0%	$108.9M0.0%	$108.9M0.0%	$108.9M-0.6%	$109.6M+43.8%	$76.2M0.0%	$76.2M-0.1%	$76.3M+6.8%	$71.4M0.0%	$71.4M+13.4%	$63.0M+14.8%	$54.9M
Total Liabilities	$5.9B+3.2%	$5.7B+4.3%	$5.5B+3.6%	$5.3B-0.4%	$5.3B+5.2%	$5.1B+16.0%	$4.4B+1.5%	$4.3B+18.4%	$3.6B+2.5%	$3.5B+7.5%	$3.3B+7.3%	$3.1B+3.0%	$3.0B+15.3%	$2.6B+4.8%	$2.5B
Long-Term Debt	$150.0M0.0%	$150.0M+50.0%	$100.0M	$0	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$16.5M0.0%	$16.5M0.0%	$16.5M
Total Equity	$809.7M+10.8%	$730.7M+7.9%	$677.1M+17.2%	$577.9M-15.2%	$681.1M-2.9%	$701.1M+6.6%	$658.0M+9.5%	$600.8M+19.6%	$502.5M+13.6%	$442.4M+5.5%	$419.3M+7.3%	$390.9M+0.8%	$387.6M+16.3%	$333.3M+7.1%	$311.1M
Retained Earnings	$935.0M+9.6%	$852.8M+9.3%	$780.3M+10.4%	$706.7M+10.1%	$641.8M+8.8%	$590.0M+9.4%	$539.3M+11.0%	$486.0M+9.3%	$444.5M+6.6%	$417.0M+6.7%	$390.7M+7.9%	$362.2M+8.5%	$334.0M+8.0%	$309.3M+6.3%	$291.1M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$6.8B+2.7%	$6.8B+2.1%	$6.7B+4.1%	$6.7B+3.6%	$6.6B+4.0%	$6.6B+4.9%	$6.5B+4.7%	$6.4B+5.9%
Cash & Equivalents	$267.2M+55.2%	$299.0M-22.3%	$191.9M-14.8%	$225.6M-23.3%	$172.1M-21.0%	$384.7M+20.7%	$225.4M+44.2%	$293.9M+165.5%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	N/A	$149.8M0.0%	N/A	N/A	N/A	$149.8M-0.1%	N/A
Total Liabilities	$6.0B+2.2%	$6.0B+1.7%	$5.9B+3.2%	$5.9B+3.1%	$5.8B+3.2%	$5.9B+4.2%	$5.7B+4.3%	$5.7B+4.2%
Long-Term Debt	$150.0M0.0%	$150.0M0.0%	$150.0M0.0%	$150.0M0.0%	$150.0M0.0%	$150.0M0.0%	$150.0M+50.0%	$150.0M+50.0%
Total Equity	$808.9M+5.9%	$794.4M+5.0%	$809.7M+10.8%	$798.9M+7.8%	$764.2M+11.3%	$756.3M+10.9%	$730.7M+7.9%	$741.3M+21.5%
Retained Earnings	$975.5M+9.2%	$954.4M+9.5%	$935.0M+9.6%	$916.0M+9.6%	$893.4M+9.3%	$871.4M+9.1%	$852.8M+9.3%	$835.8M+9.5%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities.

CHCO Cash Flow Statement

CHCO quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$142.4M	$131.4M-0.4%	$131.9M-4.1%	$137.6M+18.8%	$115.8M+13.2%	$102.3M+13.9%	$89.8M-14.5%	$105.0M+35.4%	$77.6M+1.9%	$76.1M+16.5%	$65.3M+36.4%	$47.9M-10.2%	$53.4M-29.7%	$75.9M+41.0%	$53.8M-9.5%	$59.4M
Depreciation & Amortization	N/A	$6.5M-2.1%	$6.6M-5.1%	$7.0M+3.6%	$6.7M-8.1%	$7.3M-1.8%	$7.4M+6.5%	$7.0M+24.9%	$5.6M-12.9%	$6.4M-4.6%	$6.7M-0.8%	$6.8M-2.8%	$7.0M+3.4%	$6.8M+32.4%	$5.1M+4.0%	$4.9M
Stock-Based Compensation	N/A	$3.4M-3.9%	$3.5M+9.6%	$3.2M-1.9%	$3.3M+5.0%	$3.1M-4.1%	$3.3M+29.3%	$2.5M+17.0%	$2.2M+2.6%	$2.1M+3.9%	$2.0M+12.5%	$1.8M+16.8%	$1.5M+19.7%	$1.3M+18.4%	$1.1M+1.6%	$1.1M
Capital Expenditures	$3.8M	$2.9M+8.1%	$2.7M-8.6%	$3.0M+38.3%	$2.1M-35.6%	$3.3M-40.1%	$5.5M+17.2%	$4.7M-53.6%	$10.2M+55.0%	$6.6M+19.2%	$5.5M+83.0%	$3.0M+29.7%	$2.3M-68.9%	$7.5M-0.4%	$7.5M+62.7%	$4.6M
Free Cash Flow	$138.5M	$128.4M-0.6%	$129.2M-4.0%	$134.6M+18.4%	$113.7M+14.9%	$99.0M+17.4%	$84.3M-16.0%	$100.3M+48.9%	$67.4M-3.1%	$69.6M+16.3%	$59.8M+33.3%	$44.9M-12.1%	$51.0M-25.4%	$68.4M+47.7%	$46.3M-15.5%	$54.8M
Investing Cash Flow	-$71.6M	-$269.9M-7.0%	-$252.3M-1818.4%	$14.7M+103.6%	-$410.5M-114.7%	-$191.2M+33.0%	-$285.3M-162.1%	-$108.8M+35.4%	-$168.5M+1.9%	-$171.7M+34.3%	-$261.3M-41.9%	-$184.1M-644.9%	-$24.7M+66.0%	-$72.7M+7.1%	-$78.3M-27.3%	-$61.5M
Financing Cash Flow	$24.3M	$105.1M-44.5%	$189.5M+196.7%	-$196.0M-40.0%	-$140.0M-171.8%	$194.9M-66.6%	$584.0M+2689.5%	$20.9M-84.1%	$131.4M+46.1%	$89.9M-58.0%	$214.0M+268.5%	$58.1M+72.3%	$33.7M+1549.8%	-$2.3M+93.7%	-$37.0M-145.0%	$82.1M
Dividends Paid	$49.0M	$47.3M+8.8%	$43.5M+8.7%	$40.0M+9.0%	$36.7M+1.6%	$36.1M-1.5%	$36.7M+3.2%	$35.5M+20.2%	$29.6M+9.1%	$27.1M+5.5%	$25.7M+1.6%	$25.3M+3.3%	$24.5M+7.0%	$22.9M+10.5%	$20.7M+0.4%	$20.6M
Share Buybacks	$55.0M	$45.8M+155.7%	$17.9M-70.2%	$60.1M+127.4%	$26.4M-54.9%	$58.7M+60.8%	$36.5M+87.7%	$19.4M-4.1%	$20.3M	$0-100.0%	$10.0M+42.0%	$7.1M-74.8%	$28.0M	$0-100.0%	$7.9M-66.7%	$23.8M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$32.6M+16.0%	$38.0M+20.6%	$34.3M+1.7%	$37.4M-0.7%	$28.1M-0.6%	$31.5M-2.0%	$33.8M+0.7%	$37.6M+2.5%
Depreciation & Amortization	$1.1M+7.6%	$1.1M+6.6%	$1.1M+7.7%	$1.0M+0.9%	$1.0M+0.4%	$1.1M-2.1%	$1.1M-3.8%	$1.0M-5.8%
Stock-Based Compensation	N/A	$3.2M+342.8%	N/A	N/A	N/A	$719K-34.6%	N/A	N/A
Capital Expenditures	$823K+112.1%	$726K+187.0%	$743K-22.3%	$1.5M+137.7%	$388K-23.3%	$253K-57.6%	$956K+67.7%	$648K-2.6%
Free Cash Flow	$31.8M+14.7%	$37.3M+19.3%	$33.6M+2.4%	$35.8M-3.1%	$27.8M-0.2%	$31.3M-1.0%	$32.8M-0.5%	$37.0M+2.6%
Investing Cash Flow	-$46.2M+75.9%	$65.2M+414.9%	-$80.4M+32.5%	-$10.2M-262.2%	-$192.0M-44.0%	$12.7M+328.9%	-$119.1M-555.7%	-$2.8M+96.2%
Financing Cash Flow	-$18.3M+62.5%	$3.9M-96.6%	$12.4M-26.2%	$26.3M-36.0%	-$48.8M-1236.4%	$115.1M-9.5%	$16.8M-44.5%	$41.1M+149.9%
Dividends Paid	$10.1M-12.7%	$14.8M+27.6%	$12.6M+8.8%	$11.5M+9.0%	$11.6M+7.9%	$11.6M+9.5%	$11.6M+9.3%	$10.5M+7.7%
Share Buybacks	$7.3M-62.6%	$30.9M+226.1%	$16.9M	$0	$19.4M+36.4%	$9.5M+159.1%	$0-100.0%	$0-100.0%

CHCO Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CHCO quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	41.5%+1.6pp	39.9%+0.4pp	39.5%-1.0pp	40.5%+1.4pp	39.1%+1.4pp	37.8%-1.1pp	38.9%+3.6pp	35.2%+6.6pp	28.6%-0.7pp	29.3%-0.3pp	29.6%-0.4pp	30.0%+3.7pp	26.3%+0.9pp	25.4%-2.2pp	27.7%
Return on Equity	16.1%+0.1pp	16.0%-0.9pp	16.9%-0.8pp	17.7%+4.7pp	12.9%+0.2pp	12.8%-0.8pp	13.6%+1.9pp	11.7%+0.8pp	10.8%-1.0pp	11.8%-1.1pp	12.9%-0.7pp	13.6%+1.1pp	12.4%+0.7pp	11.7%-1.4pp	13.1%
Return on Assets	1.9%+0.1pp	1.8%0.0pp	1.8%+0.1pp	1.7%+0.3pp	1.5%-0.1pp	1.6%-0.2pp	1.8%+0.3pp	1.4%+0.1pp	1.3%0.0pp	1.3%-0.1pp	1.5%-0.1pp	1.5%+0.1pp	1.4%+0.1pp	1.3%-0.1pp	1.5%
Debt-to-Equity	0.190.0x	0.21+0.1x	0.15+0.1x	0.00-7.8x	7.81+0.6x	7.21+0.6x	6.63-0.5x	7.15-0.1x	7.22-0.8x	8.01+0.1x	7.860.0x	7.86+7.8x	0.040.0x	0.050.0x	0.05
Asset Turnover	0.050.0x	0.050.0x	0.050.0x	0.040.0x	0.040.0x	0.040.0x	0.050.0x	0.040.0x	0.050.0x	0.040.0x	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.05
FCF Margin	40.9%-3.1pp	44.0%-2.4pp	46.4%+1.3pp	45.1%+1.2pp	43.9%+8.4pp	35.5%-8.2pp	43.6%+9.7pp	33.9%-2.8pp	36.7%+3.0pp	33.7%+9.1pp	24.6%-4.3pp	28.9%-8.4pp	37.3%+7.1pp	30.3%-7.0pp	37.3%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-Q	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	40.8%-1.7pp	40.1%-0.6pp	39.5%-0.5pp	43.3%+4.0pp	42.6%+3.0pp	40.7%-0.1pp	40.0%+0.1pp	39.3%-1.6pp
Return on Equity	4.1%-0.3pp	4.0%0.0pp	3.9%0.0pp	4.4%+0.4pp	4.4%+0.1pp	4.0%-0.3pp	3.9%-0.1pp	4.0%-0.9pp
Return on Assets	0.5%0.0pp	0.5%0.0pp	0.5%0.0pp	0.5%+0.1pp	0.5%+0.1pp	0.5%0.0pp	0.4%0.0pp	0.5%0.0pp
Debt-to-Equity	0.190.0x	0.190.0x	0.190.0x	0.190.0x	0.200.0x	0.200.0x	0.21+0.1x	0.200.0x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	39.0%+3.6pp	47.0%+5.1pp	42.0%-3.7pp	44.1%-4.6pp	35.4%-2.5pp	41.9%-1.7pp	45.8%-2.1pp	48.7%-0.7pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
City Hldg Co CHCO	FY2025	$314.2M	$130.5M	41.5%	$2.0B	53/100
Northwest Bancshares Inc Md NWBI	FY2025	$749.7M	$126.0M	16.8%	$2.3B	48/100
First Commonwealth Financial FCF	FY2025	$632.7M	$152.3M	24.1%	$2.1B	63/100
Veritex Holdings VBTX	FY2024	$757.2M	$107.2M	14.2%	$1.7B	48/100
OFG Bancorp OFG	FY2025	$780.9M	$205.1M	26.3%	$2.2B	56/100
Pathward Financial CASH	FY2025	$839.9M	$185.9M	22.1%	$1.7B	54/100

Where City Hldg Co Ranks

Frequently Asked Questions

What is City Hldg Co's annual revenue?

City Hldg Co (CHCO) reported $314.2M in total revenue for fiscal year 2025. This represents a 7.0% 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 7.0% year-over-year, from $293.6M to $314.2M in fiscal year 2025.

Is City Hldg Co profitable?

Yes, City Hldg Co (CHCO) reported a net income of $130.5M in fiscal year 2025, with a net profit margin of 41.5%.

How much debt does City Hldg Co have?

As of fiscal year 2025, City Hldg Co (CHCO) had $191.9M 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 41.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does City Hldg Co pay dividends?

Yes, City Hldg Co (CHCO) paid $3.32 per share in dividends during fiscal year 2025.

What is City Hldg Co's return on equity (ROE)?

City Hldg Co (CHCO) has a return on equity of 16.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is City Hldg Co's free cash flow?

City Hldg Co (CHCO) generated $128.4M in free cash flow during fiscal year 2025. This represents a -0.6% 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 $131.4M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are City Hldg Co's total assets?

City Hldg Co (CHCO) had $6.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are City Hldg Co's capital expenditures?

City Hldg Co (CHCO) invested $2.9M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does City Hldg Co buy back shares?

Yes, City Hldg Co (CHCO) spent $45.8M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does City Hldg Co have outstanding?

City Hldg Co (CHCO) had 14M shares outstanding as of fiscal year 2025.

What is City Hldg Co's debt-to-equity ratio?

City Hldg Co (CHCO) had a debt-to-equity ratio of 0.19 as of fiscal year 2025, 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 1.9% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is City Hldg Co's P/E ratio?

City Hldg Co (CHCO) trades at 15.3x earnings, its market capitalization divided by net income of $131.8M net income, trailing 12 months to June 30, 2026. The market capitalization is $2.0B as of Sep 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is City Hldg Co's price-to-sales ratio?

City Hldg Co (CHCO) trades at 6.3x sales, its market capitalization divided by revenue of $321.9M revenue, trailing 12 months to June 30, 2026. The market capitalization is $2.0B as of Sep 3, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is City Hldg Co's Piotroski F-Score?

City Hldg Co (CHCO) has a Piotroski F-Score of 7 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. 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 to 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 1.01x, 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 53 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.