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CITY HOLDING CO

CHCO

$144.96 ▼ -0.29 (-0.20%) at close

18 Visible periods

36 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Excellent

Bullish

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Analytical Summary

CITY HOLDING CO shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $2.1B

Dividend Yield 2.29%

Revenue Growth 7.0% ↗

Op. Margin 51.4% ↗

ROIC None

FCF / Share None

Trailing P/E 16.2x

Price / Book 2.6x

FCF Yield —

Debt / Equity 0.19

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$314.17M

↑ +7.0% —

Net Income Profit after all expenses

$130.49M

↑ +11.4% —

Operating Margin Operating profit as % of sales

51.4%

↑ +4.4% 97th

Long-Term Debt Long-term obligations

$150.00M

— 0.0% —

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Bullish Indicators

Operating Margin (%)Operating Margin (%) is in the top quartile
Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns ↑

Financial Health ↓

Dividend History

Dividend / share · sourced from SEC filings

$3.32 Latest / share

+10.3% YoY

+6.9% 12-yr CAGR

$1.60

FY 2014

$1.68

FY 2015

$1.72

FY 2016

$1.78

FY 2017

$1.98

FY 2018

$2.20

FY 2019

$2.29

FY 2020

$2.34

FY 2021

$2.50

FY 2022

$2.73

FY 2023

$3.01

FY 2024

$3.32

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	7.0% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+17%)	1.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-79%)	15.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+150%)	11.9% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+99%)	-5.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-185%)	3.3% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-46%)	15.6% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+161%)	4.8% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-21%)	6.7% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+12%)	-2.6% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-143%)	3.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-42%)	-3.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-163%)	19.8% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+229%)	4.1% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-32%)	2.6% Caution Caution Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-56%)	-2.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-147%)	—	—
EPS Growth YoY (%)	13.0% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	3.8% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	11.9% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	20.1% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	2.2% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	2.2% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	20.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	28.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	0.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	-2.3% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	4.1% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	10.7% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	16.7% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	-1.9% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	8.1% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	-7.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	11.4% Fair ↑ Fair Improving Year-over-year change in net income	2.4% Caution ↓ Caution Declining Year-over-year change in net income	12.0% Fair ↑ Fair Improving Year-over-year change in net income	15.9% Good ↑ Good Improving Year-over-year change in net income	-1.7% Weak ↓ Weak Declining Year-over-year change in net income	0.3% Caution ↓ Caution Declining Year-over-year change in net income	27.6% Excellent ↑ Excellent Improving Year-over-year change in net income	28.9% Excellent ↑ Excellent Improving Year-over-year change in net income	4.2% Caution ↑ Caution Improving Year-over-year change in net income	-3.6% Weak ↓ Weak Declining Year-over-year change in net income	2.1% Caution ↓ Caution Declining Year-over-year change in net income	9.8% Fair ↑ Fair Improving Year-over-year change in net income	23.8% Good ↑ Good Improving Year-over-year change in net income	-4.3% Weak ↓ Weak Declining Year-over-year change in net income	4.4% Caution Caution Year-over-year change in net income	-8.6% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	7.6% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	9.2% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	3.1% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	4.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	7.7% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	8.9% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	2.9% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	2.5% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	-1.0% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	6.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	6.3% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	8.6% Fair Fair Compound annual revenue growth over 3 years	1.3% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	5.8% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	5.0% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	7.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	4.8% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	1.6% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.4% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	5.0% Fair Fair Compound annual revenue growth over 5 years	3.6% Caution Caution Compound annual revenue growth over 5 years	—	—	—	—	—	—
EPS CAGR 3Y (%)	9.5% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	11.7% Good ↑ Good Improving Compound annual EPS growth over 3 years	11.1% Good → Good Stable Compound annual EPS growth over 3 years	7.8% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	8.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	16.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	16.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	8.3% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	0.9% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	4.1% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	10.4% Good ↑ Good Improving Compound annual EPS growth over 3 years	8.3% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	7.4% Fair Fair Compound annual EPS growth over 3 years	-0.7% Weak Weak Compound annual EPS growth over 3 years	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Operating Margin (%) (%)	51.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+106%)	49.2% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+97%)	49.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+97%)	50.5% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+102%)	49.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+97%)	46.9% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+88%)	49.4% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+97%)	44.3% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+77%)	47.8% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+91%)	43.4% Excellent → Excellent Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+74%)	45.2% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+81%)	43.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+75%)	—	—	—	—	—	—
Effective Tax Rate (%) (%)	19.2% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.1% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.8% Good → Good Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	19.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	21.3% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.5% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	40.2% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	32.5% Weak → Weak Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	34.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	31.4% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—
Profit Margin (%) (%)	41.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+89%)	39.9% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+81%)	39.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+79%)	40.5% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+84%)	39.1% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+78%)	37.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+72%)	38.9% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+77%)	35.2% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	28.6% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+30%)	29.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+33%)	29.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+35%)	30.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+37%)	26.3% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+20%)	25.5% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+16%)	27.7% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+26%)	27.2% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+24%)	28.9% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	1.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	1.5% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	16.1% Good → Good Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+34%)	16.0% Good → Good Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+34%)	16.9% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+41%)	17.7% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+47%)	12.9% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	12.8% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+6%)	13.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	11.7% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	10.8% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-10%)	11.8% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.9% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	13.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+13%)	12.4% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	11.7% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	13.1% Fair → Fair Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+9%)	12.4% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	13.8% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+15%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.19x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-85%)	0.21x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-83%)	0.15x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-88%)	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	—	—	—	—	—	—	—	—	0.40x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-67%)	0.39x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-67%)	0.66x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-45%)	0.05x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-96%)	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$21.71	$20.00	$19.50	$16.98	$14.64	$14.86	$14.09	$12.89	$12.31	$11.93	$12.06	$11.45	$11.77	$10.40	$9.76	$9.19	$9.28	—
Basic EPS, GAAP (USD)	$8.94	$7.91	$7.62	$6.81	$5.67	$5.55	$5.43	$4.50	$3.49	$3.46	$3.54	$3.40	$3.07	$2.63	$2.68	$2.48	$2.69	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$3.32	$3.01	$2.73	$2.50	$2.34	$2.29	$2.20	$1.98	$1.78	$1.72	$1.68	$1.60	$1.48	$1.40	$1.37	$1.36	$1.36	—
Book Value per Share (USD)	$55.94	$49.79	$45.54	$38.92	$44.28	$43.89	$40.33	$38.96	$32.60	$29.69	$27.72	$25.38	$24.91	$22.65	$20.67	$20.20	$19.46	—
Tangible Book Value per Share (USD)	$45.59	$39.58	$35.46	$31.58	$37.20	$37.07	$33.65	$31.85	$27.66	$24.58	$22.68	$20.74	$20.32	$18.37	$17.02	$20.20	$19.46	—
Basic Weighted Avg Shares (shares)	14.47M	14.68M	14.87M	14.85M	15.38M	15.97M	16.31M	15.42M	15.41M	14.90M	15.12M	15.40M	15.56M	14.71M	15.05M	15.59M	15.88M	—
Dividend Payout Ratio (%)	—	—	—	—	—	—	—	44.0% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	51.0% Fair ↑ Fair Improving Dividends paid as a percentage of earnings Optimal: 30-60%	49.7% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	47.5% Good → Good Stable Dividends paid as a percentage of earnings Optimal: 30-60%	47.1% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	48.2% Good ↓ Good Declining Dividends paid as a percentage of earnings Optimal: 30-60%	53.2% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	51.1% Fair → Fair Stable Dividends paid as a percentage of earnings Optimal: 30-60%	54.8% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	50.6% Fair Fair Dividends paid as a percentage of earnings Optimal: 30-60%	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	$150.00M	$150.00M	$100.00M	$0.00	—	—	—	—	—	—	—	—	$16.50M	$16.50M	$16.50M	$16.50M	—	—
Total Equity (USD)	$809.68M	$730.66M	$677.07M	$577.85M	$681.11M	$701.11M	$657.98M	$600.76M	$502.51M	$442.44M	$419.27M	$390.85M	$387.62M	$333.27M	$311.13M	$314.86M	$308.90M	$285.46M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$314.17M	$293.57M	$289.87M	$252.11M	$225.21M	$237.32M	$229.85M	$198.77M	$189.73M	$177.77M	$182.45M	$176.33M	$183.24M	$153.02M	$146.99M	$143.23M	$147.42M	—
Depreciation Expense (USD)	$4.29M	$4.21M	$4.56M	$5.33M	$5.83M	$5.79M	$5.00M	$5.09M	$5.88M	$6.24M	$6.09M	$6.09M	$5.76M	$4.61M	$4.51M	$4.67M	$4.75M	—
Net Income, GAAP (USD)	$130.49M	$117.10M	$114.36M	$102.07M	$88.08M	$89.59M	$89.35M	$70.00M	$54.31M	$52.13M	$54.10M	$52.96M	$48.22M	$38.95M	$40.68M	$38.96M	$42.65M	—
Operating Cash Flow (USD)	$131.37M	$131.90M	$137.58M	$115.82M	$102.27M	$89.80M	$105.05M	$73.07M	$77.84M	$65.33M	$47.90M	$53.35M	$75.89M	$53.81M	$53.04M	$62.78M	$25.03M	—

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.5%	3.4%	3.6%	3.1%	2.6%	2.7%	3.2%	2.8%	3.1%	3.0%	—	3.4%	3.7%	3.4%	3.3%	3.6%	—	—
Efficiency Ratio (%) (%)	49.1%	50.2%	49.5%	49.3%	52.0%	48.6%	51.2%	56.9%	50.6%	54.1%	50.9%	53.9%	56.2%	57.1%	55.2%	55.0%	52.4%	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 67 quarters

CITY HOLDING CO

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18-Year Financial Trajectory

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