CITY HOLDING CO
CHCO· Nasdaq· National Commercial Banks
- Market cap
- –
- P/FCF
- –
- EV/Sales
- –
- FCF margin
- 172.9%
- ROIC, 5 yr avg
- –
- Revenue, 5 yr CAGR
- +3.9%
We record prices for the companies we cover; CHCO is not one of them yet.
Company statistics
Profile · FY2025
- Market cap
- –
- Enterprise value
- –
- Diluted shares
- 14.5M
- Revenue
- $74.3M
- Free cash flow
- $128.4M
- Owner earnings
- $125.1M
Valuation · FY2025
- P/E
- –
- P/FCF
- –
- P/Owner earnings
- –
- EV/Sales
- –
- EV/FCF
- –
- P/B
- –
Margins · FY2025
- Gross
- –
- Operating
- –
- Net
- 175.6%
- Free cash flow
- 172.9%
- Owner earnings
- 168.4%
- Stock pay
- 4.6%
Returns
- ROIC, FY2025
- –
- ROIC, 5 yr avg
- –
- ROE, FY2025
- 16.1%
- ROE, 5 yr avg
- 15.9%
Growth (CAGR)
- Revenue, 3 yr
- 2.9%
- Revenue, 5 yr
- 3.9%
- Revenue, 9 yr
- –
- Diluted EPS, 3 yr
- 9.5%
- Diluted EPS, 5 yr
- 10.0%
- Diluted EPS, 9 yr
- 11.1%
- Free cash flow, 3 yr
- 4.2%
- Free cash flow, 5 yr
- 8.8%
- Free cash flow, 9 yr
- 8.9%
Financial health · FY2025
- Cash and investments
- $191.9M
- Total debt
- $150.0M
- Net cash
- $41.9M
- Debt/Equity
- 0.2x
- Debt/FCF
- 1.2x
Shareholder returns · FY2025
- Dividend yield
- –
- Payout ratio
- 36.2%
- Buyback yield
- –
- Shareholder yield
- –
- Share count, 5 yr
- -2.0%
Financials: ten years from the 10-Ks
Revenue
$74.3M
+3.7% a year over 9 years
FY2016FY2025
Margins
175.6%
FY2025
FY2016FY2025
Free cash flow and owner earnings
Free cash flow$128.4MOwner earnings$125.1M
Free cash flow +8.9% a year
FY2016FY2025
Diluted shares
14.5M
-2.9% over 9 years, net buybacks
FY2016FY2025
Net cash
$41.9M
$41.9M more cash than debt
FY2016FY2025
Every figure, year by year
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| The business | ||||||||||
| Revenue | – | – | $57.5M | $63.8M | $61.2M | $64.9M | $68.1M | $69.1M | $72.0M | $74.3M |
| Revenue growth | – | – | – | 11.0% | -4.0% | 6.1% | 4.9% | 1.4% | 4.2% | 3.2% |
| Gross margin | – | – | – | – | – | – | – | – | – | – |
| Operating margin | – | – | – | – | – | – | – | – | – | – |
| Net income | $52.1M | $54.3M | $70.0M | $89.4M | $89.6M | $88.1M | $102.1M | $114.4M | $117.1M | $130.5M |
| Net margin | – | – | 121.8% | 140.1% | 146.3% | 135.7% | 149.9% | 165.6% | 162.7% | 175.6% |
| Diluted EPS | $3.45 | $3.48 | $4.49 | $5.42 | $5.55 | $5.66 | $6.80 | $7.61 | $7.89 | $8.93 |
| Return on invested capital? | – | – | – | – | – | – | – | – | – | – |
| Cash | ||||||||||
| Operating cash flow | $65.3M | $76.1M | $77.6M | $105.0M | $89.8M | $102.3M | $115.8M | $137.6M | $131.9M | $131.4M |
| Capital expenditure | $5.5M | $6.6M | $10.2M | $4.7M | $5.5M | $3.3M | $2.1M | $3.0M | $2.7M | $2.9M |
| Free cash flow | $59.8M | $69.6M | $67.4M | $100.3M | $84.3M | $99.0M | $113.7M | $134.6M | $129.2M | $128.4M |
| Stock-based compensation | $2.0M | $2.1M | $2.2M | $2.5M | $3.3M | $3.1M | $3.3M | $3.2M | $3.5M | $3.4M |
| Owner earnings? | $57.8M | $67.5M | $65.2M | $97.8M | $81.0M | $95.8M | $110.4M | $131.4M | $125.7M | $125.1M |
| Free cash flow per share | $4.01 | $4.51 | $4.36 | $6.14 | $5.27 | $6.42 | $7.64 | $9.04 | $8.79 | $8.87 |
| Capital allocation | ||||||||||
| Dividends paid | $25.7M | $27.1M | $29.6M | $35.5M | $36.7M | $36.1M | $36.7M | $40.0M | $43.5M | $47.3M |
| Share repurchases | $10.0M | $0 | $20.3M | $19.4M | $36.5M | $58.7M | $26.4M | $60.1M | $17.9M | $45.8M |
| Diluted shares | 14.9M | 15.4M | 15.4M | 16.3M | 16.0M | 15.4M | 14.9M | 14.9M | 14.7M | 14.5M |
| Share count change? | -1.7% | 3.5% | 0.0% | 5.8% | -2.1% | -3.7% | -3.5% | 0.1% | -1.3% | -1.5% |
| Balance sheet | ||||||||||
| Cash and equivalents | $88.1M | $82.5M | $123.0M | $140.1M | $528.7M | $634.6M | $200.0M | $156.3M | $225.4M | $191.9M |
| Short-term investments | – | – | – | – | – | – | – | – | – | – |
| Total debt | – | – | – | – | – | – | $0 | $100.0M | $150.0M | $150.0M |
| Net debt | – | – | – | – | – | – | -$200.0M | -$56.3M | -$75.4M | -$41.9M |
| Shareholders' equity | $442.4M | $502.5M | $600.8M | $658.0M | $701.1M | $681.1M | $577.9M | $677.1M | $730.7M | $809.7M |
Latest filings
| 2026-10-26 | 8-K | Earnings release |
| 2026-08-05 | 10-Q | Quarterly report |
| 2026-07-22 | 8-K | Earnings release |
| 2026-05-06 | 10-Q | Quarterly report |
| 2026-04-23 | 8-K | Earnings release |
| 2026-03-27 | DEF 14A | Proxy statement |
| 2026-02-25 | 10-K | Annual report |
| 2026-01-21 | 8-K | Earnings release |
| 2025-11-05 | 10-Q | Quarterly report |
| 2025-10-22 | 8-K | Earnings release |
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