City Holding Company (CHCO)

City Holding Company Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	236.4	220.24	219.24	180.03	155.57
Net Interest Income Growth	7.34%	0.45%	21.78%	15.72%	0.60%
Non-Interest Income	77.77	73.33	70.63	72.08	69.64
Non-Interest Income Growth	6.04%	3.83%	-2.01%	3.50%	-15.77%
Revenues Before Loan Losses	314.17	293.57	289.87	252.11	225.21
Provision for Credit Losses	-1.4	1.82	3.24	0.47	-3.17
Revenue	315.57	291.75	286.63	251.64	228.38
Revenue Growth (YoY)	8.16%	1.79%	13.91%	10.18%	0.78%
Compensation Expenses	79.17	76.36	73.16	66.54	61.85
Selling, General & Admin	41.46	39.77	36.59	41.06	40.71
Other Non-Interest Expenses	33.48	31.1	33.77	16.7	14.63
Total Non-Interest Expense	154.1	147.24	143.52	124.3	117.19
Pretax Income	161.47	144.52	143.11	127.33	111.19
Provision for Income Taxes	30.98	27.42	28.74	25.26	23.11
Net Income	130.49	117.1	114.37	102.07	88.08
Net Income to Common	130.49	117.1	114.37	102.07	88.08
Net Income Growth	11.43%	2.39%	12.04%	15.88%	-1.69%
Shares Outstanding (Basic)	14	15	15	15	15
Shares Outstanding (Diluted)	14	15	15	15	15
Shares Change (YoY)	-1.46%	-1.30%	0.12%	-3.47%	-3.68%
EPS (Basic)	8.94	7.91	7.62	6.81	5.67
EPS (Diluted)	8.93	7.89	7.61	6.80	5.66
EPS Growth	13.18%	3.68%	11.91%	20.14%	1.98%
Free Cash Flow	128.45	129.19	134.62	113.68	98.95
Free Cash Flow Growth	-0.57%	-4.03%	18.42%	14.88%	17.45%
Free Cash Flow Per Share	8.87	8.79	9.04	7.64	6.42
Dividends Per Share	3.320	3.010	2.730	2.500	2.340
Dividend Growth	10.30%	10.26%	9.20%	6.84%	2.18%
Profit Margin	41.35%	40.14%	39.90%	40.56%	38.57%
FCF Margin	40.70%	44.28%	46.97%	45.17%	43.33%
EBITDA	11.18	13.2	10.72	15.78	14.61
EBITDA Margin	3.54%	4.52%	3.74%	6.27%	6.40%
Effective Tax Rate	19.19%	18.97%	20.08%	19.84%	20.79%

Updated Jan 21, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q