City Holding Co (CHCO)
Operating cash flow minus capital spending left $128.4M of free cash flow in fiscal 2025. At September 30, 2026 it held $201.4M in cash against $150M of debt. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 4, 2026.
Key facts about City Holding Co
- Net worth
- City Holding Co has a market value (market cap) of $2B at the latest share price, and shareholders' equity of $781.6M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Cash flow
- In fiscal 2025 operations brought in $131.4M of cash; after $2.9M of capital spending, free cash flow was $128.4M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 4, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- City Holding Co's next report is expected around January 20, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- City Holding Co paid dividends of $3.32 per share in fiscal 2025, a yield of 2.32% at the current price.
What City Holding Co does
City Holding Co is registered with the SEC under industry code SIC 6021 (National Commercial Banks). Its shares trade on NASDAQ under the ticker CHCO.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $74.3M | $130.5M | $8.93 | $128.4M |
| 2024 | $72M | $117.1M | $7.89 | $129.2M |
| 2023 | $69.1M | $114.4M | $7.61 | $134.6M |
| 2022 | $68.1M | $102.1M | $6.80 | $113.7M |
| 2021 | $64.9M | $88.1M | $5.66 | $99M |
| 2020 | $61.2M | $89.6M | $5.55 | $84.3M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where CHCO ranks in Finance
Dividends
City Holding Co paid $3.32 per share in fiscal 2025. At the current price that is a yield of 2.32%. It paid out $47.3M in cash dividends, 36% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $3.32 | $47.3M | 36% |
| 2024 | $3.01 | $43.5M | 37% |
| 2023 | $2.73 | $40M | 35% |
| 2022 | $2.50 | $36.7M | 36% |
| 2021 | $2.34 | $36.1M | 41% |
| 2020 | $2.29 | $36.7M | 41% |
Latest SEC filings
What City Holding Co has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 4, 2026
- October 26, 2026
- October 19, 2026Form 13F-HR filing 13F-HR
- September 30, 2026Other event 8-K
- September 30, 2026Executive or director change8-KCity Holding Company appointed Jessica R. Alsop and Vonda R. Huss to its Board of Directors.
- August 7, 2026Passive stake (5% or more) SCHEDULE 13G
- August 5, 2026
- July 22, 2026
- July 10, 2026Form 13F-HR filing 13F-HR
- June 23, 2026
What is CHCO worth? A DCF from its reported cash flow
Insider trades
What the people running City Holding Co did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $68.2K and sold $132K worth of shares in the last 90 days.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| November 4, 2026 | Legge Jeffrey DaleEVP, CAO & CIO | Exercised options | 512 | $34K |
| November 4, 2026 | Legge Jeffrey DaleEVP, CAO & CIO | Sold | 512 | $74.4K |
| October 29, 2026 | Kayser C DallasDirector | Gave as a gift | 1,600 | - |
| October 23, 2026 | Fisher Robert DDirector | Bought | 165 | $23.5K |
| October 23, 2026 | Hoyer James ADirector | Bought | 100 | $14.2K |
| October 23, 2026 | Reyes Javier ADirector | Bought | 95 | $13.5K |
| October 23, 2026 | Strong-Treister Diane WDirector | Bought | 120 | $17.1K |
| August 26, 2026 | Rowe Sharon HDirector | Sold | 400 | $57.6K |
Who owns CHCO
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Vanguard Portfolio Management13G, passive | 6.72% | April 29, 2026 |
| Vanguard Capital Management13G, passive | 5.03% | April 29, 2026 |
Largest institutional holders
Insiders
14 insiders reported holding 182,132 shares in total, about $26.1M at the last price.
| Holder | Shares |
|---|---|
| Fisher Robert DDirector | 47,877 |
| Hageboeck Charles RPresident & CEO, Director | 43,998 |
| Kayser C DallasDirector | 22,568 |
| Rossi James LDirector | 18,764 |
| Bumgarner David LEVP & Chief Financial Officer | 10,666 |
| Rowe Sharon HDirector | 10,576 |
| Legge Jeffrey DaleEVP, CAO & CIO | 7,656 |
| Strong-Treister Diane WDirector | 4,217 |
| Jones J. ThomasDirector | 3,422 |
| Parsons James M.Director | 3,3312,800 held indirectly |
Questions about CHCO
What does City Holding Co do?
City Holding Co is a company in the Finance sector, listed on NASDAQ as CHCO. Its shares trade on NASDAQ under the ticker CHCO.
What is City Holding Co's net worth?
City Holding Co has a market value (market cap) of $2B at the latest share price, and shareholders' equity of $781.6M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is City Holding Co profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $131.2M.
When did City Holding Co last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 4, 2026. It covers the period to September 30, 2026. Its newest filing of any kind is the insider trade from November 5, 2026.
When is City Holding Co's next earnings report?
City Holding Co's next report is expected around January 20, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does City Holding Co pay a dividend?
Yes. City Holding Co paid dividends of $3.32 per share in fiscal 2025, a yield of 2.32% at the current price.
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Where the numbers come from
Financial figures are the values City Holding Co tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.