City Holding Company (CHCO) Financial Statements & Analysis

City Holding Company (CHCO) Income Statement

City Holding Company reported revenue of $315.57M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 10.7% from $285.06M a year earlier. Net income was $130.49M, up 11.4% year over year, a net margin of 41.3%. Gross margin was 98.2% and operating margin 51.5%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $79.38M, up 4.1% from the same quarter a year earlier.

City Holding Company Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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City Holding Company income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	315.57	285.06	286.63	246.08	228.65	255.05	260.64	219.96	202.61
Cost of Revenue	82.31	88.01	55.27	10.13	6.73	34.34	35.09	23.38	19.81
Gross Profit	309.80	283.24	279.18	245.60	221.92	220.71	225.55	196.58	182.80
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	41.46	83.08	36.59	71.61	66.52	65.73	66.12	58.61	55.32
Operating Expenses	147.23	138.73	136.07	118.74	110.73	109.40	112.06	108.56	92.06
Operating Income	162.57	144.52	143.11	127.33	111.19	111.31	113.49	88.02	90.75
Other Income/Expense
Interest Income	321.22	306.43	271.26	189.69	165.47	178.26	197.70	163.90	142.93
Interest Expense	84.81	86.19	52.02	9.66	9.89	23.62	36.34	25.69	16.81
Other Income/Expense	-1.10	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	161.47	144.52	143.11	127.33	111.19	111.31	113.49	88.02	90.75
Income Tax Expense	30.98	27.42	28.74	25.26	23.11	21.72	24.14	18.02	36.44
Net Income	130.49	117.10	114.37	102.07	88.08	89.60	89.35	70.00	54.31
Net Income - Continuous Operations	130.49	117.10	114.37	102.07	88.08	89.60	89.35	70.00	54.31
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	11.18	157.72	10.72	15.78	125.81	121.98	119.19	94.39	97.63
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	8.66	13.20	10.72	15.78	14.61	10.67	5.70	6.37	6.89
Earnings Per Share
Basic EPS	9.00	8.00	8.00	7.00	6.00	6.00	5.00	5.00	3.00
Diluted EPS	9.00	8.00	8.00	7.00	6.00	6.00	5.00	5.00	3.00
Basic Shares Outstanding	14.47	14.68	14.87	14.85	15.38	15.98	16.31	15.42	15.41
Diluted Shares Outstanding	14.48	14.70	14.89	14.87	15.41	16.00	16.33	15.44	15.44

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About City Holding Company Financial Statements

What was City Holding Company's revenue in fiscal 2025?

City Holding Company reported revenue of $315.57M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 10.7% from $285.06M a year earlier.

Is City Holding Company profitable?

Yes. City Holding Company earned net income of $130.49M in fiscal 2025, a net margin of 41.3%. In fiscal 2024 it earned $117.10M.

What is City Holding Company's operating margin?

City Holding Company's operating income was $162.56M on revenue of $315.57M in fiscal 2025, an operating margin of 51.5%, compared with 50.7% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition