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NASDAQ · NATIONAL COMMERCIAL BANKS · LARGE CAP

City Holding Co. CHCO

17 fiscal years on record · USD · FY2025 reported · SEC filings only
15 YEARS OF DIVIDEND GROWTH
$130.5M
▲ 11.4% YoY
$128.4M
▼ 0.6% YoY

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

The Company conducts its principal activities through its wholly-owned subsidiary, City National Bank of West Virginia. City National provides banking, wealth and investment management and other financial solutions through its network of 96 bank branches and 934 full-time equivalent associates located in West Virginia, Kentucky, Virginia and southeastern Ohio. The Company's business activities are currently limited to one reportable business segment, which is community banking. The principal products produced and services rendered by City National include Commercial Banking, Consumer Banking, Mortgage Banking, and Wealth and Investment Management Services. City National is organized as a national banking association under the National Bank Act of 1863, as amended. As of December 31, 2025, the Company employed 950 full and part-time employees (934 FTEs) across its 96 branches throughout West Virginia, Kentucky, Virginia and southeastern Ohio.

Written from the business description in CITY HOLDING CO's annual report to the U.S. Securities and Exchange Commission, filed 25 February 2026. Every sentence was checked against that document before publication.

Growth

·
Revenue, FY2025 · full 17-year series below
Compound annual growth
+8.5%
+7.8%
+9.2%
+8.4%
+9.5%
+10.0%
+9.7%
+8.9%
+9.9%
+7.7%
+7.0%
+6.1%
+14.3%
+5.0%
+11.1%
+6.9%
3 yrs
5 yrs
10 yrs
15 yrs

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

·
ROE
FY2025 · ROE 16.9%
5%10%15%
200920172025
Three returns, three denominators.
Return on capital employedNot available: we don't have total assets or current liabilities for this period.

Each USD of equity produced 17 cents of profit this year.

Cash & shareholders

USD 93.1M
returned in FY2025 · dividends + net buybacks
Free cash flow $M
FY2025 · FCF 128.4
50M100M
200920172025
Net buybacks $M Dividends $M
FY2025 · Dividends 47.3 · Net buybacks 45.8
50M100M-10M-20MDividendsNet buybacks
200920112013201520172019202120232025

USD 47.3M in dividends and USD 45.8M in buybacks — 71% of the year's profit went back to shareholders.

Total assetsUSD 6.7B
EquityUSD 809.7M
CashUSD 191.9M
Gross debtUSD 150.0M
Net debtUSD -41.9M
DepositsUSD 5.3B

The company holds more cash than debt.

The 17-year record

17 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative—not applicable◌not available in our data
CHCO, 17-year financial record
Metric 20252024202320222021202020192018201720162015201420132012201120102009
Revenue $B◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌◌
Operating income $B0.20.10.10.10.10.10.10.10.10.10.10.10.1◌◌◌◌
EBITDA $B0.20.10.10.10.10.10.10.10.10.10.10.10.1◌◌◌◌
Income tax $B0.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.00.0
Net income $B0.10.10.10.10.10.10.10.10.10.10.10.10.00.00.00.00.0
Free cash flow $B0.10.10.10.10.10.10.10.10.10.10.00.10.10.00.10.10.0
EPS, diluted $8.937.897.616.805.665.555.424.493.483.453.533.383.042.612.672.472.68
Dividend / sh $3.323.012.732.502.342.292.201.981.781.721.681.601.481.401.371.361.36
Payout %3637353641414042504947464753515551
ROE %16.916.618.216.212.713.214.212.711.512.113.413.613.412.113.012.513.8

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

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Provenance

Company facts, as filed

How we verify · 0 failures in 50 reconciliationsAUDITED

Reconciled in 17 of the 17 fiscal years we could check. Three checks were skipped: the balance sheet is not tagged before 2010. Two checks were skipped: EPS is not tagged before 2009.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityNational Commercial Banks
Listed onNASDAQ
Incorporated inWest Virginia
Fiscal year endsDecember 31
Data on record since2009

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