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City Holding Company CHCO Q1 2025 earnings

Reported April 23, 2025 · Before market open

Revenue$72.4MMiss by $2.0M
EPS$2.06Beat by $0.22
Revenue estimate$74.4M
EPS estimate$1.84

Next report

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

Financials

Q1 2025

Income statement

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Revenue$74.6M+3.0%
Net income$30.3M+2.8%
EPS (diluted)$2.06+4.6%

Balance sheet

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Cash & equivalents$384.7M+20.7%
Total debt$150.0M0.0%
Total equity$756.3M+10.9%
Total assets$6.6B+4.9%

Cash flow

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Operating cash flow$31.5M-2.0%
CapEx$253.0K-57.6%
Free cash flow$31.3M-1.0%

Valuation & ratios

Valuation

as of 03/31/25
See full
Market cap$1.73B+11.6%
Enterprise value$1.49B+8.2%
P/E14.7×+1.7×
P/S5.8×+0.5×

Profitability

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Net margin39.9%-1.3pp
FCF margin43.6%-0.2pp

Returns & leverage

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Return on equity16.4%-1.5pp
Debt / equity0.2×0.0×

Segments

By product

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Fees and Commissions, Depositor Accounts$7.5M—
Fees and Commissions, Debit Cards$7.2M—
Fees and Commissions, Fiduciary and Trust Accounts$3.1M—
Other Non-Interest Income$827.0K—

FAQ

When did City Holding Company report Q1 2025 earnings?
City Holding Company (CHCO) reported Q1 2025 earnings on April 23, 2025 before market open.
What were City Holding Company's Q1 2025 revenue and EPS?
City Holding Company reported revenue of $72.4M and eps of $2.06 for Q1 2025.
Did City Holding Company beat estimates in Q1 2025?
Revenue missed the consensus estimate of $74.4M by $2.0M. EPS beat the consensus estimate of $1.84 by $0.22.
Where can I find City Holding Company's Q1 2025 SEC filings?
You can read the 8-K earnings release (0000726854-25-000116) and the 10-Q periodic report (0000726854-25-000130) directly on SEC EDGAR. The filing index links above go to sec.gov.