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City Holding Company CHCO Q3 2025 earnings

Reported October 22, 2025 · Before market open

Revenue$79.0MMiss by $685.3K
EPS$2.41Beat by $0.26
Revenue estimate$79.7M
EPS estimate$2.15

Next report

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

Financials

Q3 2025

Income statement

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Revenue$81.3M+7.0%
Net income$35.2M+18.0%
EPS (diluted)$2.41+19.3%

Balance sheet

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Cash & equivalents$225.6M-23.3%
Total debt$150.0M0.0%
Total equity$798.9M+7.8%
Total assets$6.7B+3.6%

Cash flow

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Operating cash flow$37.3M-0.9%
CapEx$1.5M+138%
Free cash flow$35.8M-3.4%

Valuation & ratios

Valuation

as of 09/30/25
See full
Market cap$1.8B+4.0%
Enterprise value$1.72B+8.7%
P/E14.1×-0.8×
P/S5.9×-0.1×

Profitability

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Net margin41.7%+1.9pp
FCF margin41.8%-2.7pp

Returns & leverage

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Return on equity16.6%-0.6pp
Debt / equity0.2×0.0×

FAQ

When did City Holding Company report Q3 2025 earnings?
City Holding Company (CHCO) reported Q3 2025 earnings on October 22, 2025 before market open.
What were City Holding Company's Q3 2025 revenue and EPS?
City Holding Company reported revenue of $79.0M and eps of $2.41 for Q3 2025.
Did City Holding Company beat estimates in Q3 2025?
Revenue missed the consensus estimate of $79.7M by $685.3K. EPS beat the consensus estimate of $2.15 by $0.26.
How did City Holding Company's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 7.3% from $73.7M a year earlier and eps grew 19.3% from $2.02.
Where can I find City Holding Company's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000726854-25-000176) and the 10-Q periodic report (0000726854-25-000178) directly on SEC EDGAR. The filing index links above go to sec.gov.