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City Holding Company operates as a financial holding company for City National Bank of West Virginia that provides banking, trust and investment management, and other financial solutions in the United States. It offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. The company 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; home equity lines of credit; amortized 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, as well as owner-occupied real estate and construction, land development, and lines of credit. In addition, it 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, the company provides 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 was founded in 1957 and is headquartered in Charleston, West Virginia.
5-year financial trends. Figures in USD millions.
Latest fiscal year: 2025
Year-by-year revenue, profitability, and cash flow (USD millions, last 10 years)
| Year | Revenue | EBITDA | Net Profit | FCF | ROE | Rev Growth 1Y | NP Growth 1Y |
|---|---|---|---|---|---|---|---|
| 2025 | $305M | - | $130M | $128M | 16.1% | 7.1% | 11.4% |
| 2024 | $285M | - | $117M | $129M | 16.0% | 0.9% | 2.4% |
| 2023 | $282M | - | $114M | $135M | 16.9% | 14.8% | 12.0% |
| 2022 | $246M | - | $102M | $114M | 17.7% | - | - |
| 2021 | - | - |
Income statement, balance sheet, and cash flow as reported
Consolidated Figures in USD Millions.
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Total Revenue | - | 246.08 | 282.42 | 285.06 | 305.18 |
| Operating Revenue | - | 246.08 | 282.42 | 285.06 | 305.18 |
| Selling General And Administration | - | 71.61 | 79.20 | 83.08 | 85.30 |
| Interest Income | - | 189.69 | 271.26 | 306.43 | 321.22 |
| Interest Expense | - | 9.65 | 52.02 | 86.19 | 84.81 |
| Net Interest Income | - | 180.03 | 219.24 | 220.24 | 236.40 |
| Pretax Income | - | 127.33 | 143.11 | 144.52 | 161.46 |
| Tax Provision | - | 25.26 | 28.74 | 27.42 | 30.98 |
| Tax Rate For Calcs | - | 0 | 0 | 0 | 0 |
| Tax Effect Of Unusual Items | - | -0.05 | -1.04 | 0 | 0 |
| Net Income Continuous Operations | - | 102.07 | 114.36 | 117.10 | 130.49 |
| Net Income From Continuing And Discontinued Operation | - | 102.07 | 114.36 | 117.10 | 130.49 |
| Net Income From Continuing Operation Net Minority Interest | - | 102.07 | 114.36 | 117.10 | 130.49 |
| Net Income | - | 102.07 | 114.36 | 117.10 | 130.49 |
| Net Income Common Stockholders | - | 101.11 | 113.33 | 116.03 | 129.33 |
| Net Income Including Noncontrolling Interests | - | 102.07 | 114.36 | 117.10 | 130.49 |
| Normalized Income | - | 102.29 | 118.48 | 117.10 | 130.49 |
| Diluted NI Availto Com Stockholders | - | 101.11 | 113.33 | 116.03 | 129.33 |
| Basic Average Shares | - | 14.85 | 14.87 | 14.68 | 14.47 |
| Diluted Average Shares | - | 14.87 | 14.89 | 14.70 | 14.48 |
| Reconciled Depreciation | - | 15.78 | 10.72 | 13.20 | 11.18 |
| Total Unusual Items | - | -0.27 | -5.15 | 0 | 0 |
| Total Unusual Items Excluding Goodwill | - | -0.27 | -5.15 | 0 | 0 |
| Special Income Charges | - | -0.27 | -5.15 | 0 | 0 |
| Restructuring And Mergern Acquisition | - | 0.27 | 5.15 | 0 | 0 |
| Gain On Sale Of Security | - | -1.58 | -4.48 | -2.65 | -0.40 |
| General And Administrative Expense | - | 68.21 | 76.08 | 79.26 | 82.22 |
| Other Gand A | 6.73 | - | - | - | - |
| Salaries And Wages | - | 66.54 | 73.16 | 76.36 | 79.17 |
| Insurance And Claims | - | 1.67 | 2.92 | 2.89 | 3.05 |
| Selling And Marketing Expense | - | 3.40 | 3.11 | 3.82 | 3.08 |
| Otherunder Preferred Stock Dividend | - | 0.96 | 1.04 | 1.07 | 1.16 |
| Occupancy And Equipment | - | 21.04 | 21.08 | 22.39 | 24.01 |
| Professional Expense And Contract Services Expense | - | 2.19 | 2.04 | 2.16 | 2.33 |
| Other Non Interest Expense | - | 23.16 | 28.62 | 31.10 | 33.48 |
Financial Services sector peers, ranked by market cap
| Company | Ticker | Market Cap | P/E | P/B | ROE | EV/EBITDA |
|---|---|---|---|---|---|---|
| City Holding Companythis co. | CHCO | $1.8B | 13.60↑ premium | 2.19 | 16.1% | - |
| Slide Insurance Holdings, Inc. | SLDE | $1.8B | 4.14 | 1.65 | 39.9% | - |
| Patria Investments Limited | PAX | $1.8B | 21.43 | 3.00 | 14.0% | 12.81 |
| 1st Source Corporation | SRCE | $1.8B | 11.35 | 1.41 | 12.4% | - |
| Fidelis Insurance Holdings Limited | FIHL | $1.8B |
| - |
| - |
| - |
| - |
| - |
| 7.93 |
| 0.74 |
| 9.4% |
| - |
| Skyward Specialty Insurance Group, Inc. | SKWD | $1.8B | 10.50 | 1.77 | 16.8% | - |
| Walker & Dunlop, Inc. | WD | $1.8B | 31.09 | 1.02 | 3.3% | 11.41 |
| Live Oak Bancshares, Inc. | LOB | $1.7B | 16.42 | 1.51 | 9.2% | - |
| Encore Capital Group, Inc. | ECPG | $1.7B | 6.73 | 1.77 | 26.3% | 8.63 |
| Peer Median | - | 10.93 | 1.58 | 13.2% | 11.41 | |