CHCO
City Holding Company125.72
-0.37-0.29%
Dec 16, 4:00:01 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
No earnings call transcript available
Key Stats
Market Cap
1.82BP/E (TTM)
14.48Basic EPS (TTM)
8.68Dividend Yield
0.03%Recent Filings
8-K
10-Q
Q3 FY2025 results
City Holding Company posted solid Q3 2025 results, with net interest income climbing 10% year-over-year to $61.1 million on higher loan volumes and a 17 basis point margin expansion to 4.04%, while a $0.5 million credit loss recovery (versus $1.2 million provision last year) boosted profitability. Net income hit $35.2 million, up 18% from Q3 2024, driving diluted EPS to $2.41; year-to-date, revenue grew 5% to $239.8 million and EPS to $6.75, with operating income up 11% to $121.9 million. Gross margin held steady amid controlled expenses, and free cash flow stood positive at $88.4 million after $8.6 million capex. Liquidity remains robust with $226 million in cash equivalents and $150 million in fixed-rate FHLB advances, no major M&A. Yet competition from non-bank lenders pressures deposit growth.
8-K
Record Q3 earnings hit $35.2M
City Holding Company reported record Q3 net income of $35.2 million and diluted EPS of $2.41, fueled by $2.2 million net interest income growth to $61.1 million and a margin expansion to 4.04%. Loans rose $73.6 million to $4.41 billion, while nonperforming assets held steady at 0.32%. Strong capital ratios exceed well-capitalized thresholds. Dividends hiked 10% to $0.87 per share.
8-K
DeRito retires; Whittaker succeeds
City Holding Company announced the retirement of Executive Vice President of Commercial Banking John A. DeRito, effective December 31, 2025, after 21 years steering the Bank's commercial loan portfolio from $450 million to over $2.2 billion while upholding strong asset quality. Timothy J. Whittaker, the 52-year-old Senior Vice President and Chief Credit Officer since 1998, will succeed him, ensuring seamless continuity in lending strategy. DeRito's disciplined leadership built lasting excellence. No material conflicts or unusual compensation noted.
10-Q
Q2 FY2025 results
City Holding Company posted solid Q2 FY2025 results, with net interest income climbing 7.9% year-over-year to $58.9 million, fueled by higher average loan balances up $217.8 million (derived), though the net interest margin edged up to 3.95% from 3.87%. Net income rose 14.7% to $33.4 million, or $2.29 diluted EPS, aided by a $2.0 million credit loss recovery versus a $0.5 million provision last year, while non-interest income grew 1.6% to $19.2 million on stronger service charges and wealth fees. Loans expanded 1.5% quarter-over-quarter to $4.34 billion, deposits rose 2.0% to $5.25 billion, and cash stood at $172.1 million with $150 million in fixed-rate FHLB advances. The balance sheet stays robust, with equity at $764.2 million. Yet interest rate swings could pressure margins amid economic shifts.
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