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City Holding Company (CHCO)
Financial Services · Banks - Regional · NasdaqGS
City Holding Company revenue & earnings — last 10 fiscal years
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $0 | $0 | $57.45M | $63.77M | $61.22M | $64.93M | $253.42M | $290.89M | $294.44M | $315.01M |
| Gross profit | — | — | — | — | — | — | — | — | — | — |
| Net income | $52.13M | $54.31M | $70.00M | $89.35M | $89.59M | $88.08M | $101.11M | $113.33M | $116.03M | $129.33M |
| Net margin | — | — | 121.8% | 140.1% | 146.3% | 135.7% | 39.9% | 39.0% | 39.4% | 41.1% |
Source: City Holding Company SEC filings (10-K). 17 years of history available in the interactive view.
What growth is priced into CHCO stock?
At today's market cap of $1.82B, City Holding Company is priced for free-cash-flow growth of about 3% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $128.45M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 8.8%/yr over the last five fiscal years and revenue 38.8%/yr, computed from its SEC filings. This is a reverse DCF — a translation of the price into a growth assumption you can judge, not a fair value and not advice. Change the assumptions yourself in the interactive view →
Explore 17 years of City Holding Company financials — interactive
Full income statement, balance sheet and cash flow with CAGR and trend on every row, 48 quarters, valuation ratios, plain-English health checks, and Ask — our SEC-grounded research assistant.
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City Holding Company financial history by metric
About City Holding Company
City Holding Company operates as a financial holding company for City National Bank of West Virginia that provides banking, trust and investment management, and other financial solutions in the United States. It offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. The company also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of residence; first-priority home equity loans; home equity lines of credit; amortized home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts, as well as owner-occupied real estate and construction, land development, and lines of credit. In addition, it offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government-insured mortgages, secondary marketing, and mortgage servicing. Further, the company provides treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. The company was founded in 1957 and is headquartered in Charleston, West Virginia.
City Holding Company — frequently asked questions
What is City Holding Company's revenue?
City Holding Company (CHCO) reported revenue of $315.01M for fiscal year 2025, up 7.0% from the prior year, according to its SEC filings.
Is City Holding Company profitable?
Yes. CHCO earned net income of $129.33M in fiscal 2025, a net margin of 41.1%.
What is CHCO's P/E ratio?
City Holding Company trades at a price-to-earnings ratio of about 14.2 based on the latest data in our nightly-refreshed cache.
How fast is City Holding Company growing?
CHCO's revenue grew at roughly 38.8% per year over the last five fiscal years (compound annual growth rate), computed from SEC-filed statements.
How much debt does City Holding Company have?
As of fiscal year 2025, CHCO carried roughly $150.00M in total debt (short- plus long-term borrowings), per its filed balance sheet.
What is City Holding Company's market cap?
City Holding Company (CHCO) has a market capitalization of about $1.82B, based on the latest data in our nightly-refreshed cache.
When does City Holding Company's fiscal year end?
CHCO's fiscal year ends in December. Its most recent annual filing covers the fiscal year ending 2025-12-31.
What growth is priced into CHCO stock?
At today's market cap of $1.82B, City Holding Company is priced for free-cash-flow growth of about 3% per year for 10 years (assuming a 10% discount rate and 2.5% terminal growth, base FCF $128.45M from the FY ending 2025-12-31). For comparison, free cash flow actually grew 8.8%/yr over the last five fiscal years and revenue 38.8%/yr, computed from its SEC filings.
Where does this data come from?
All figures are computed from City Holding Company's official SEC filings (10-K and 10-Q), covering 17 years of history, refreshed nightly. stockportfolio.pro does not provide investment advice.