CHCONasdaqNational Commercial BanksFiscal year ends December 31
CITY HOLDING CO
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 5, 2026
$140.79−0.90 (-0.64%)
Close on Oct 19, 2026
- Market cap
- $1.98B
- P/E (TTM)
- 15.4
- Dividend yield
- 2.36%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
175.6%+29.3 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +3.2% | +2.9% | +3.9% | -8.6% | |
| Net income | +11.4% | +8.5% | +7.8% | +9.2% | |
| EPS, diluted | +13.2% | +9.5% | +10.0% | +9.7% | |
| Free cash flow | -0.6% | +4.2% | +8.8% | +11.1% | |
| Dividend per share | +10.3% | +9.9% | +7.7% | +7.0% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 12.1% | 13.2% | 16.9% | |
| Return on assets | 1.4% | 1.7% | 2.0% | |
| Capex to revenue | 3.1% | 9.1% | 3.9% | |
| Diluted shares | 15M | 16M | 14M |
Where the cash went
Fiscal 2021 to 2025, five years combined
CITY generated $618.94M from operations and spent $426.58M on capital expenditure, dividends and share buybacks. 3% of that went back into the business.
Generated
$618.94M
Used
$426.58M
Capital expenditure$14.06M3%Dividends$203.61M48%Share buybacks$208.92M49%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin175.6%
×Asset turnover0.01×
×Equity multiplier8.56×
=Return on equity, FY202516.9%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 175.6% | 0.01× | 8.56× | 16.9% |
| FY2024 | 162.7% | 0.01× | 8.97× | 16.6% |
| FY2023 | 165.6% | 0.01× | 9.60× | 18.2% |
| FY2022 | 149.9% | 0.01× | 9.44× | 16.2% |
| FY2021 | 135.7% | 0.01× | 8.51× | 12.7% |
| FY2020 | 146.3% | 0.01× | 7.93× | 13.2% |
| FY2019 | 140.1% | 0.01× | 7.88× | 14.2% |
| FY2018 | 121.8% | 0.01× | 8.19× | 12.7% |
| FY2017 | 28.6% | 0.05× | 8.59× | 11.5% |
| FY2016 | 29.3% | 0.05× | 8.93× | 12.1% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$130.49M
- Cash generatingOperating cash flow above zero$131.37M
- Return on assets improvedROA up on the prior year1.9% → 2.0%
- Earnings backed by cashOperating cash flow above net income$131.37M vs $130.49M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise15M → 14M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.01 → 0.01