15 years of revenue, profit, cash flow and balance-sheet history through FY2025,
from SEC filings — with a computed, factual read of the trend.
Updated Overview →
Growth & profitability
Revenue has grown 3.9% per year over the past 5 years.
Net income has grown faster than revenue (7.8% vs 3.9% per year).
Free cash flow has grown 8.8% per year over the past 5 years.
Financial health
The company holds more cash ($192M) than total debt ($150M).
Shareholder returns
Dividends have been paid for 15 consecutive years, consuming 36.2% of earnings and 36.8% of free cash flow.
The dividend has grown 5.2% per year over the past 5 years.
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
2025
$74M
$130M
0.0%
0.0%
$128M
$150M
$192M
2024
$72M
$117M
0.0%
0.0%
$129M
$150M
$225M
2023
$69M
$114M
0.0%
0.0%
$135M
$100M
$156M
2022
$68M
$102M
0.0%
0.0%
$114M
$0
$200M
2021
$65M
$88M
0.0%
0.0%
$99M
—
$635M
2020
$61M
$90M
0.0%
0.0%
$84M
—
$529M
2019
$64M
$89M
0.0%
0.0%
$100M
—
$140M
2018
$57M
$70M
0.0%
0.0%
$67M
—
$123M
2017
—
$54M
—
—
$70M
—
$83M
2016
—
$52M
—
—
$60M
—
$88M
2015
—
$54M
—
—
$45M
—
$70M
2014
—
$53M
—
—
$51M
—
$148M
2013
—
$48M
—
—
$68M
$154M
$86M
2012
—
$39M
—
—
$46M
$131M
$85M
2011
—
$41M
—
—
$55M
$206M
$146M
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
Mar '26
—
$32M
—
—
$37M
$150M
$299M
Dec '25
—
$32M
—
—
$34M
$150M
$192M
Sep '25
—
$35M
—
—
$36M
$150M
$226M
Jun '25
—
$33M
—
—
$28M
$150M
$172M
Mar '25
—
$30M
—
—
$31M
$150M
$385M
Dec '24
—
$29M
—
—
$33M
$150M
$225M
Sep '24
—
$30M
—
—
$37M
$150M
$294M
Jun '24
—
$29M
—
—
$28M
$150M
$218M
Mar '24
—
$30M
—
—
$32M
$150M
$319M
Dec '23
—
$27M
—
—
$33M
$100M
$156M
Sep '23
—
$30M
—
—
$36M
$100M
$111M
Jun '23
—
$33M
—
—
$26M
$100M
$231M
Mar '23
—
$24M
—
—
$39M
—
$303M
Dec '22
—
$31M
—
—
$34M
$0
$200M
Sep '22
—
$27M
—
—
$36M
—
$298M
Jun '22
—
$23M
—
—
$16M
—
$697M
Mar '22
—
$21M
—
—
$28M
—
$598M
Dec '21
—
$23M
—
—
$28M
—
$635M
Sep '21
—
$23M
—
—
$33M
—
$640M
Jun '21
—
$22M
—
—
$19M
—
$610M
Valuation over time
How the market has priced CHCO against its own fundamentals since 2023-03 —
each month-end's share price set against the most recent annual filing, so the multiple moves
as price runs ahead of (or behind) earnings. Split-adjusted.
The price-to-earnings ratio has risen from 12.6× (Mar '23) to 14.3× (Jun '26).
The price-to-sales ratio has risen from 18.8× (Mar '23) to 25.2× (Jun '26).
The dividend yield has fallen from 2.9% (Mar '23) to 2.5% (Jun '26).
Price / earnings (P/E)
P/E
Price / sales (P/S)
P/S
Dividend yield (%)
Dividend yield %
Frequently asked questions
Is CHCO growing its revenue and profit?
Over the past 5 years, City Holding Co's revenue has grown 3.9% per year, and net income grown 7.8% per year. These are computed facts, not advice.
How much debt does CHCO have?
As of FY2025, City Holding Co reported $150M of total debt against $192M of cash.
What is CHCO's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin 175.6%.
What is CHCO's P/E ratio?
As of Jun '26, City Holding Co traded at a price-to-earnings ratio of about 14.3× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.