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City Holding Company CHCO Q4 2025 Annual earnings

Reported January 21, 2026 · Before market open

Revenue$80.2MMiss by $1.2M
EPS$2.18Miss by $0.11
Revenue estimate$81.4M
EPS estimate$2.29

Next report

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

Financials

Q4 2025

Income statement

See full
Revenue$80.2M+11.8%
Net income$31.6M+10.2%
EPS (diluted)$2.18+13.0%

Balance sheet

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Cash & equivalents$191.9M-14.8%
Total debt$150.0M0.0%
Total equity$809.7M+10.8%
Total assets$6.7B+4.1%

Cash flow

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Operating cash flow$34.3M+1.7%
CapEx$743.0K-22.3%
Free cash flow$33.6M+2.4%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$1.72B-1.4%
Enterprise value$1.68B+0.5%
P/E13.2×-1.7×
P/S5.5×-0.5×

Profitability

See full
Net margin41.5%+1.6pp
FCF margin40.9%-3.1pp

Returns & leverage

See full
Return on equity16.9%+0.3pp
Debt / equity0.2×0.0×

FAQ

When did City Holding Company report Q4 2025 earnings?
City Holding Company (CHCO) reported Q4 2025 earnings on January 21, 2026 before market open.
What were City Holding Company's Q4 2025 revenue and EPS?
City Holding Company reported revenue of $80.2M and eps of $2.18 for Q4 2025.
Did City Holding Company beat estimates in Q4 2025?
Revenue missed the consensus estimate of $81.4M by $1.2M. EPS missed the consensus estimate of $2.29 by $0.11.
How did City Holding Company's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 14.5% from $70.1M a year earlier and eps grew 12.4% from $1.94.
Where can I find City Holding Company's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000726854-26-000005) and the 10-K periodic report (0000726854-26-000062) directly on SEC EDGAR. The filing index links above go to sec.gov.