City Holding (CHCO) financial statements
City Holding reported revenue of $74M in fiscal 2025, down 9.2% a year over 9 years.
Net income was $130M.
Free cash flow was $128M, and the company returned $47M in dividends and $46M in net buybacks.
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from City Holding's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $178M | $190M | $57M | $64M | $61M | $65M | $68M | $69M | $72M | $74M |
| Interest expense | $13M | $17M | $26M | $36M | $24M | $10M | $10M | $52M | — | — |
| Pre-tax income | $77M | $91M | $88M | $113M | $111M | $111M | $127M | $143M | $145M | $161M |
| Income tax | $25M | $36M | $18M | $24M | $22M | $23M | $25M | $29M | $27M | $31M |
| Net income | $52M | $54M | $70M | $89M | $90M | $88M | $102M | $114M | $117M | $130M |
| EPS (diluted) | $3.45 | $3.48 | $4.49 | $5.42 | $5.55 | $5.66 | $6.80 | $7.61 | $7.89 | $8.93 |
| Diluted shares | 15M | 15M | 15M | 16M | 16M | 15M | 15M | 15M | 15M | 14M |
| Net margin | 29.3% | 28.6% | 121.8% | 140.1% | 146.3% | 135.7% | 149.9% | 165.6% | 162.7% | 175.6% |
Balance sheet
Fiscal years, from City Holding's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | $88M | $83M | $123M | $140M | $529M | $635M | $200M | $156M | $225M | $192M |
| Property, plant and equipment | $75M | $73M | $78M | $77M | $77M | $74M | $71M | $72M | $71M | $69M |
| Goodwill | $76M | $76M | $110M | $109M | $109M | $109M | $109M | $150M | $150M | $150M |
| Total assets | $4.0B | $4.1B | $4.9B | $5.0B | $5.8B | $6.0B | $5.9B | $6.2B | $6.5B | $6.7B |
| Total liabilities | $3.5B | $3.6B | $4.3B | $4.4B | $5.1B | $5.3B | $5.3B | $5.5B | $5.7B | $5.9B |
| Shareholders' equity | $442M | $503M | $601M | $658M | $701M | $681M | $578M | $677M | $731M | $810M |
| Net debt | -$88M | -$83M | -$123M | -$140M | -$529M | -$635M | -$200M | -$156M | -$225M | -$192M |
Cash flow
Fiscal years, from City Holding's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $65M | $76M | $78M | $105M | $90M | $102M | $116M | $138M | $132M | $131M |
| Capital spending | $6M | $7M | $10M | $5M | $6M | $3M | $2M | $3M | $3M | $3M |
| Free cash flow | $60M | $70M | $67M | $100M | $84M | $99M | $114M | $135M | $129M | $128M |
| Stock-based compensation | $2M | $2M | $2M | $3M | $3M | $3M | $3M | $3M | $4M | $3M |
| Dividends paid | $26M | $27M | $30M | $36M | $37M | $36M | $37M | $40M | $43M | $47M |
| Share buybacks (net) | -$10M | $0 | -$20M | -$19M | -$36M | -$59M | -$26M | -$60M | -$18M | -$46M |
| Net borrowing | $93M | $4M | $8M | -$51M | $85M | $17M | -$21M | $137M | $41M | $42M |
| Free cash flow margin | 33.6% | 36.7% | 117.3% | 157.3% | 137.6% | 152.4% | 166.9% | 194.9% | 179.5% | 172.9% |
| Dividends per share | $1.72 | $1.76 | $1.92 | $2.18 | $2.29 | $2.35 | $2.47 | $2.69 | $2.96 | $3.27 |
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Open CHCO in InvestinglyQuestions
What was City Holding's revenue in 2025?
$74M in fiscal 2025, from its 10-K filing.
How much free cash flow does City Holding generate?
$128M in fiscal 2025 (operating cash flow minus capital spending).
From City Holding's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.