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CHCO Financials City Holding Co

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
$0 $65M $130M 2011 2013 2015 2017 2019 2021 2023 2025
RevenueNet income
Margins (gross / operating / net)
0% 88% 176% 2011 2013 2015 2017 2019 2021 2023 2025
GrossOperatingNet
Free cash flow (CFO − capex)
$0 $67M $135M 2011 2013 2015 2017 2019 2021 2023 2025
Free cash flow
Cash vs total debt
$0 $317M $635M 2011 2013 2015 2017 2019 2021 2023 2025
CashTotal debt
Cash flow: operating / investing / financing
-$410M $87M $584M $0 2011 2013 2015 2017 2019 2021 2023 2025
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
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

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.

Price / earnings (P/E)
0.0 8.1 16.2 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 13.4 26.8 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S
Dividend yield (%)
0.0 1.5 3.0 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
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.