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City Holding Company

CHCO

City Holding Company is a financial holding company that operates primarily through its subsidiary, City National Bank of West Virginia.

Market cap
$2.05B+18.1%
Revenue$318.9M+7.8%
Net income$131.9M+11.8%
Free cash flow$134.5M+4.3%
EPS (diluted)$9.08+13.9%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 28, 2026 (in 3 months)
Revenue estimate$82.9M
EPS estimate$2.38

Financials

Q1 2026

Income statement

See full
Revenue$79.2M+6.3%
Net income$31.7M+4.6%
EPS (diluted)$2.20+6.8%

Balance sheet

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Cash & equivalents$299.0M-22.3%
Total debt$150.0M0.0%
Total equity$794.4M+5.0%
Total assets$6.8B+2.1%

Cash flow

See full
Operating cash flow$38.0M+20.6%
CapEx$726.0K+187%
Free cash flow$37.3M+19.3%

Valuation & ratios

Valuation

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Market cap$2.05B+18.1%
Enterprise value$1.9B+10.0%
P/E15.5×+1.2×
P/S6.4×+0.6×

Profitability

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Net margin41.4%+1.5pp
FCF margin42.2%-1.4pp

Returns & leverage

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Return on equity17%+0.6pp
Debt / equity0.2×0.0×

Competitors

Profile

City Holding Company is a financial holding company that operates primarily through its subsidiary, City National Bank of West Virginia. The company provides a comprehensive suite of community banking, mortgage, and wealth management services across West Virginia, Kentucky, Virginia, and Ohio. Its core value proposition centers on delivering localized financial solutions through an extensive branch network and digital delivery channels.

Competitive position

A leading community bank in its core Appalachian markets with significant deposit market share in West Virginia and eastern Kentucky.

GeographiesWest Virginia, Kentucky, Virginia, Ohio, United States
Customer segmentsRetail, SME, Institutional
Business modelInterest-based lending, Fee-based services, Asset management
SuppliersFederal Reserve System, Depositors, Third-party technology vendors, Credit card network providers
CustomersIndividual consumers, Small and medium enterprises, Real estate investors, Non-profit organizations
Listed1987
Employees973.0
CEOCharles R. Hageboeck
FilingsSEC EDGAR

FAQ

What is City Holding Company's market cap?
City Holding Company (CHCO) has a market capitalization of $2.1B and trades on NASDAQ.
What is City Holding Company's revenue and profitability?
City Holding Company generated $318.9M in trailing twelve-month revenue with net income of $131.9M, representing a net margin of 41.4%, with free cash flow of $134.5M. These figures are based on the Q1 2026 filing.
Who are City Holding Company's competitors?
City Holding Company's key competitors include Huntington Bancshares, JPMorgan Chase & Co., Truist Financial Corp, and others. These companies compete in similar markets and product categories.
Who does City Holding Company partner with?
City Holding Company's notable partners include Fannie Mae, Freddie Mac, Nasdaq.
What subsidiaries does City Holding Company have?
City Holding Company's subsidiaries include City National Bank of West Virginia.
Where is City Holding Company headquartered?
City Holding Company is headquartered in United States of America and employs approximately 973 people. It has been publicly traded since 1987.