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Stocks · Financials · National Commercial Banks

CITY HOLDING CO

CHCO Clue Score64
United States Fiscal year ends December CIK 0000726854
$139.94 -0.02% Close, 12 Oct 2026
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Price $139.94 +79.39% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 13 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income52.1EPS, diluted3.45Fiscal year 2017Net income54.3 +4.2%EPS, diluted3.48 +0.9%Fiscal year 2018Revenue57.5Net income70.0 +28.9%EPS, diluted4.49 +29.0%Fiscal year 2019Revenue63.8 +11.0%Net income89.4 +27.6%EPS, diluted5.42 +20.7%Fiscal year 2020Revenue61.2 −4.0%Net income89.6 +0.3%EPS, diluted5.55 +2.4%Fiscal year 2021Revenue64.9 +6.1%Net income88.1 −1.7%EPS, diluted5.66 +2.0%Fiscal year 2022Revenue68.1 +4.9%Net income102.1 +15.9%EPS, diluted6.80 +20.1%Fiscal year 2023Revenue69.1 +1.4%Net income114.4 +12.0%EPS, diluted7.61 +11.9%Fiscal year 2024Revenue72.0 +4.2%Net income117.1 +2.4%EPS, diluted7.89 +3.7%Fiscal year 2025Revenue74.3 +3.2%Net income130.5 +11.4%EPS, diluted8.93 +13.2%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a 57.5 63.8 61.2 64.9 68.1 69.1 72.0 74.3
Growth +11.0% −4.0% +6.1% +4.9% +1.4% +4.2% +3.2%
Net income 52.1 54.3 70.0 89.4 89.6 88.1 102.1 114.4 117.1 130.5
Growth +4.2% +28.9% +27.6% +0.3% −1.7% +15.9% +12.0% +2.4% +11.4%
EPS, diluted 3.45 3.48 4.49 5.42 5.55 5.66 6.80 7.61 7.89 8.93
Growth +0.9% +29.0% +20.7% +2.4% +2.0% +20.1% +11.9% +3.7% +13.2%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Fiscal year 2018Net margin121.8%Free cash flow margin117.3%Fiscal year 2019Net margin140.1%Free cash flow margin157.3%Fiscal year 2020Net margin146.3%Free cash flow margin137.6%Fiscal year 2021Net margin135.7%Free cash flow margin152.4%Fiscal year 2022Net margin149.9%Free cash flow margin166.9%Fiscal year 2023Net margin165.6%Free cash flow margin194.9%Fiscal year 2024Net margin162.7%Free cash flow margin179.5%Fiscal year 2025Net margin175.6%Free cash flow margin172.9%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a n/a 121.8% 140.1% 146.3% 135.7% 149.9% 165.6% 162.7% 175.6%
Free cash flow margin n/a n/a 117.3% 157.3% 137.6% 152.4% 166.9% 194.9% 179.5% 172.9%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow65.3Capital expenditure−5.5Free cash flow59.8Buybacks−10.0Dividends paid−25.7Fiscal year 2017Operating cash flow76.1Capital expenditure−6.6Free cash flow69.6 +16.3%Buybacks0.0Dividends paid−27.1Fiscal year 2018Operating cash flow77.6Capital expenditure−10.2Free cash flow67.4 −3.1%Buybacks−20.3Dividends paid−29.6Fiscal year 2019Operating cash flow105.0Capital expenditure−4.7Free cash flow100.3 +48.9%Buybacks−19.4Dividends paid−35.5Fiscal year 2020Operating cash flow89.8Capital expenditure−5.5Free cash flow84.3 −16.0%Buybacks−36.5Dividends paid−36.7Fiscal year 2021Operating cash flow102.3Capital expenditure−3.3Free cash flow99.0 +17.4%Buybacks−58.7Dividends paid−36.1Fiscal year 2022Operating cash flow115.8Capital expenditure−2.1Free cash flow113.7 +14.9%Buybacks−26.4Dividends paid−36.7Fiscal year 2023Operating cash flow137.6Capital expenditure−3.0Free cash flow134.6 +18.4%Buybacks−60.1Dividends paid−40.0Fiscal year 2024Operating cash flow131.9Capital expenditure−2.7Free cash flow129.2 −4.0%Buybacks−17.9Dividends paid−43.5Fiscal year 2025Operating cash flow131.4Capital expenditure−2.9Free cash flow128.4 −0.6%Buybacks−45.8Dividends paid−47.3
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 65.3 76.1 77.6 105.0 89.8 102.3 115.8 137.6 131.9 131.4
Capital expenditure −5.5 −6.6 −10.2 −4.7 −5.5 −3.3 −2.1 −3.0 −2.7 −2.9
Free cash flow 59.8 69.6 67.4 100.3 84.3 99.0 113.7 134.6 129.2 128.4
Growth +16.3% −3.1% +48.9% −16.0% +17.4% +14.9% +18.4% −4.0% −0.6%
Buybacks −10.0 0.0 −20.3 −19.4 −36.5 −58.7 −26.4 −60.1 −17.9 −45.8
Dividends paid −25.7 −27.1 −29.6 −35.5 −36.7 −36.1 −36.7 −40.0 −43.5 −47.3

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Cash88.1Shareholders’ equity442.4Fiscal year 2017Cash82.5Shareholders’ equity502.5Fiscal year 2018Cash123.0Shareholders’ equity600.8Fiscal year 2019Cash140.1Shareholders’ equity658.0Fiscal year 2020Cash528.7Shareholders’ equity701.1Fiscal year 2021Cash634.6Shareholders’ equity681.1Fiscal year 2022Cash200.0Total debt0.0Net cash (debt)200.0Shareholders’ equity577.9Debt to equity0.00Fiscal year 2023Cash156.3Total debt100.0Net cash (debt)56.3Shareholders’ equity677.1Debt to equity0.15Fiscal year 2024Cash225.4Total debt150.0Net cash (debt)75.4Shareholders’ equity730.7Debt to equity0.21Fiscal year 2025Cash191.9Total debt150.0Net cash (debt)41.9Shareholders’ equity809.7Debt to equity0.19
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 88.1 82.5 123.0 140.1 528.7 634.6 200.0 156.3 225.4 191.9
Total debt n/a n/a n/a n/a n/a n/a 0.0 100.0 150.0 150.0
Net cash (debt) n/a n/a n/a n/a n/a n/a 200.0 56.3 75.4 41.9
Shareholders’ equity 442.4 502.5 600.8 658.0 701.1 681.1 577.9 677.1 730.7 809.7
Debt to equity n/a n/a n/a n/a n/a n/a 0.00 0.15 0.21 0.19

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a n/a 153.2% 178.0% 181.8% 171.3% 187.0% 207.2% 200.7% 217.4%
n/a n/a 121.8% 140.1% 146.3% 135.7% 149.9% 165.6% 162.7% 175.6%
n/a n/a 117.3% 157.3% 137.6% 152.4% 166.9% 194.9% 179.5% 172.9%
Spending
n/a n/a 17.7% 7.4% 9.1% 5.1% 3.1% 4.3% 3.8% 3.9%
32.5% 40.2% 20.5% 21.3% 19.5% 20.8% 19.8% 20.1% 19.0% 19.2%
Returns
11.8% 10.8% 11.7% 13.6% 12.8% 12.9% 17.7% 16.9% 16.0% 16.1%
1.3% 1.3% 1.4% 1.8% 1.6% 1.5% 1.7% 1.9% 1.8% 1.9%
Balance and payout
n/a n/a n/a n/a n/a n/a 0.00 0.15 0.21 0.19
88.9% 87.8% 87.7% 86.9% 87.8% 88.7% 90.2% 89.0% 88.7% 88.0%
49.3% 49.9% 42.3% 39.8% 40.9% 41.0% 36.0% 35.0% 37.1% 36.2%
59.7% 39.0% 74.0% 54.8% 86.8% 95.8% 55.6% 74.4% 47.5% 72.4%