CHCO Stock - City Holding Company
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Financial Statements
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $371.25M | $334.45M | $255.73M | $228.65M | $255.05M |
| Gross Profit | $283.24M | $279.18M | $245.60M | $221.92M | $220.71M |
| Gross Margin | 76.3% | 83.5% | 96.0% | 97.1% | 86.5% |
| Operating Income | $144.52M | $143.11M | $127.33M | $111.19M | $111.31M |
| Net Income | $117.10M | $114.36M | $102.07M | $88.08M | $89.59M |
| Net Margin | 31.5% | 34.2% | 39.9% | 38.5% | 35.1% |
| EPS | $7.91 | $7.62 | $6.81 | $5.67 | $5.55 |
City Holding Company operates as a holding company for City National Bank of West Virginia that provides various banking, trust and investment management, and other financial solutions in the United States. The company offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. It also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of residence; first-priority home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts. In addition, the company offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government insured mortgages, secondary marketing, and mortgage servicing. Further, it provides deposit services for commercial customers comprising treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. The company operates through a network of 94 branches and 905 full-time equivalent associates in West Virginia, Virginia, Kentucky, and Ohio. City Holding Company was founded in 1957 and is headquartered in Charleston, West Virginia.
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Price Targets
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| December 3rd 2025 | Piper Sandler | Resumed | Neutral | $125 |
| July 23rd 2025 | Hovde Group | Reiterated | Market Perform | $136← $130 |
| November 8th 2024 | Piper Sandler | Resumed | Neutral | $135 |
| May 2nd 2024 | Hovde Group | Reiterated | Market Perform | $113← $110 |
| April 6th 2023 | Piper Sandler | Resumed | Neutral | $93 |
| April 4th 2023 | Stephens | Initiation | Equal Weight | $89 |
| September 6th 2022 | Janney | Initiation | Neutral | $91 |
Earnings History & Surprises
CHCOEPS Surprise History
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 21, 2026 | — | — | — | — |
Q1 2026 | Jan 22, 2026 | $2.29 | — | — | — |
Q4 2025 | Oct 22, 2025 | $2.15 | $2.41 | +12.1% | ✓ BEAT |
Q3 2025 | Jul 22, 2025 | $1.97 | $2.29 | +16.2% | ✓ BEAT |
Q2 2025 | Apr 23, 2025 | $1.84 | $2.06 | +12.0% | ✓ BEAT |
Q1 2025 | Jan 23, 2025 | $1.91 | $1.94 | +1.6% | ✓ BEAT |
Q4 2024 | Oct 24, 2024 | $1.92 | $2.02 | +5.2% | ✓ BEAT |
Q3 2024 | Jul 23, 2024 | $1.91 | $1.96 | +2.6% | ✓ BEAT |
Q2 2024 | Apr 23, 2024 | $1.86 | $1.97 | +5.9% | ✓ BEAT |
Q1 2024 | Jan 24, 2024 | $1.90 | $1.84 | -3.2% | ✗ MISS |
Q4 2023 | Oct 24, 2023 | $1.88 | $1.98 | +5.3% | ✓ BEAT |
Q3 2023 | Jul 25, 2023 | $1.89 | $2.16 | +14.3% | ✓ BEAT |
Q2 2023 | Apr 25, 2023 | $1.84 | $1.63 | -11.4% | ✗ MISS |
Q1 2023 | Jan 24, 2023 | $1.87 | $2.05 | +9.6% | ✓ BEAT |
Q4 2022 | Oct 18, 2022 | $1.65 | $1.83 | +10.9% | ✓ BEAT |
Q3 2022 | Jul 21, 2022 | $1.32 | $1.51 | +14.4% | ✓ BEAT |
Q2 2022 | Apr 21, 2022 | $1.25 | $1.41 | +12.8% | ✓ BEAT |
Q1 2022 | Jan 25, 2022 | $1.33 | $1.54 | +15.8% | ✓ BEAT |
Q4 2021 | Oct 21, 2021 | $1.24 | $1.47 | +18.5% | ✓ BEAT |
Q3 2021 | Jul 22, 2021 | $1.16 | $1.41 | +21.6% | ✓ BEAT |
Latest News
Piper Sandler Assumes City Holding at Neutral, Announces Price Target of $125
➖ NeutralCity Holding Q3 EPS $2.41 Beats $2.17 Estimate, Sales $81.261M Beat $80.094M Estimate
📈 PositiveCity Holding Company Raises Quarterly Dividend From $0.79 To $0.87 Per Share
📈 PositiveFrequently Asked Questions about CHCO
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