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City Holding Company CHCO Q4 2024 Annual earnings

Reported January 23, 2025 · Before market open

Revenue$70.1MMiss by $3.1M
EPS$1.94Beat by $0.03
Revenue estimate$73.2M
EPS estimate$1.91

Next report

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

Financials

Q4 2024

Income statement

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Revenue$71.7M+4.1%
Net income$28.7M+4.4%
EPS (diluted)$1.93+4.9%

Balance sheet

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Cash & equivalents$225.4M+44.2%
Total debt$150.0M+50.0%
Total equity$730.7M+7.9%
Total assets$6.5B+4.7%

Cash flow

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Operating cash flow$33.8M+0.7%
CapEx$956.0K+67.7%
Free cash flow$32.8M-0.5%

Valuation & ratios

Valuation

as of 12/31/24
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Market cap$1.74B+6.5%
Enterprise value$1.67B+5.5%
P/E14.9×+0.6×
P/S5.9×+0.3×

Profitability

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Net margin39.9%+0.4pp
FCF margin44%-2.4pp

Returns & leverage

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Return on equity16.6%-1.6pp
Debt / equity0.2×+0.1×

Segments

By product

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Fees and Commissions, Depositor Accounts$7.3M+5.3%
Fees and Commissions, Debit Cards$7.1M+1.9%
Fees and Commissions, Fiduciary and Trust Accounts$2.8M+17.7%
Other Non-Interest Income$753.0K-20.6%

FAQ

When did City Holding Company report Q4 2024 earnings?
City Holding Company (CHCO) reported Q4 2024 earnings on January 23, 2025 before market open.
What were City Holding Company's Q4 2024 revenue and EPS?
City Holding Company reported revenue of $70.1M and eps of $1.94 for Q4 2024.
Did City Holding Company beat estimates in Q4 2024?
Revenue missed the consensus estimate of $73.2M by $3.1M. EPS beat the consensus estimate of $1.91 by $0.03.
Where can I find City Holding Company's Q4 2024 SEC filings?
You can read the 8-K earnings release (0000726854-25-000005) and the 10-K periodic report (0000726854-25-000037) directly on SEC EDGAR. The filing index links above go to sec.gov.