Free Trial
→ Is Elon's empire crumbling? (From Brownstone Research) (Ad) Free CHCO Stock Alerts

City (CHCO) Financials

City logo
$120.76 -1.34 (-1.10%)
Closing price 08/1/2025 04:00 PM Eastern
Extended Trading
$0.01 -120.75 (-99.99%)
As of 04:00 AM Eastern
Extended trading is trading that happens on electronic markets outside of regular trading hours. This is a fair market value extended hours price provided by Polygon.io. Learn more.
Compare
Annual Income Statements for City

Annual Income Statements for City

This table shows City's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Income / (Loss) Attributable to Common Shareholders		 53 54 52 54 70 89 90 88 102 114 117
Consolidated Net Income / (Loss)		 53 54 52 54 70 89 90 88 102 114 117
Net Income / (Loss) Continuing Operations		 53 54 52 54 70 89 90 88 102 114 117
Total Pre-Tax Income 		77 83 77 91 88 113 111 111 127 143 145
Total Revenue		 176 182 178 190 199 230 237 225 252 290 294
Net Interest Income / (Expense)		 118 115 119 126 138 161 155 156 180 219 220
Total Interest Income		 130 127 132 143 164 198 178 165 190 271 306
Loans and Leases Interest Income		 117 115 118 126 142 170 150 137 147 213 242
Investment Securities Interest Income		 13 12 14 17 20 26 27 28 39 52 57
Deposits and Money Market Investments Interest Income		 - 0.00 0.00 0.09 1.67 1.33 0.49 0.69 3.79 6.38 7.50
Total Interest Expense		 12 12 13 17 26 36 24 9.89 9.66 52 86
Deposits Interest Expense		 11 11 12 15 21 33 23 9.41 7.44 37 65
Short-Term Borrowings Interest Expense		 0.34 0.33 0.47 1.21 3.42 3.49 0.99 0.49 2.21 12 16
Long-Term Debt Interest Expense		 0.61 0.62 0.68 0.77 0.88 0.18 0.10 0.00 0.00 2.71 6.16
Total Non-Interest Income		 59 67 59 64 61 68 83 70 72 71 73
Net Realized & Unrealized Capital Gains on Investments		 1.16 13 3.51 4.48 -0.09 0.96 -0.80 0.31 0.00 -4.91 -2.83
Other Non-Interest Income		 3.07 3.37 52 56 61 68 83 69 72 76 76
Provision for Credit Losses		 4.05 6.99 4.40 3.01 -2.31 -1.25 11 -3.17 0.47 3.24 1.82
Total Non-Interest Expense		 95 93 96 96 113 118 115 117 124 144 147
Salaries and Employee Benefits		 52 48 51 51 54 62 62 62 67 73 76
Net Occupancy & Equipment Expense		 9.99 16 17 17 17 20 20 21 21 21 23
Marketing Expense		 3.27 2.45 2.61 2.91 2.97 3.34 2.78 3.09 3.41 3.11 3.82
Property & Liability Insurance Claims		 1.65 1.79 1.62 1.35 1.25 0.64 0.88 1.58 1.67 2.92 2.89
Other Operating Expenses		 22 24 24 23 24 31 29 30 31 38 41
Restructuring Charge		 0.00 0.60 0.00 0.00 13 0.80 0.00 0.00 0.27 5.15 0.00
Other Special Charges		 - - - - - - 0.25 -0.06 0.06 0.03 0.25
Income Tax Expense		 24 28 25 36 18 24 22 23 25 29 27
Basic Earnings per Share		 $3.40 $3.54 $3.46 $3.49 $4.50 $5.43 $5.55 $5.67 $6.81 $7.62 $7.91
Weighted Average Basic Shares Outstanding		 15.40M 15.12M 14.90M 15.41M 15.42M 16.31M 15.98M 15.38M 14.74M 14.82M 14.67M
Diluted Earnings per Share		 $3.38 $3.53 $3.45 $3.48 $4.49 $5.42 $5.55 $5.66 $6.80 $7.61 $7.89
Weighted Average Diluted Shares Outstanding		 15.49M 15.17M 14.91M 15.44M 15.44M 16.33M 16.00M 15.41M 14.74M 14.82M 14.67M
Weighted Average Basic & Diluted Shares Outstanding		 15.60M 15.30M 15.10M 15.60M 15.60M 16.50M 15.73M 15.07M 14.74M 14.82M 14.67M
Cash Dividends to Common per Share		 $1.60 $1.68 $1.72 $1.78 $1.98 $2.20 $2.29 $2.34 $2.50 $2.73 $3.01

Quarterly Income Statements for City

This table shows City's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q2 2023 Q3 2023 Q4 2023 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 6/30/2023 9/30/2023 12/31/2023 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 27 31 33 30 - 29 30 - 30
Consolidated Net Income / (Loss)		 27 31 33 30 - 29 30 - 30
Net Income / (Loss) Continuing Operations		 27 31 33 30 - 29 30 - 30
Total Pre-Tax Income 		35 37 41 38 - 36 37 - 37
Total Revenue		 67 71 76 73 - 74 76 - 75
Net Interest Income / (Expense)		 49 52 56 56 - 55 56 - 56
Total Interest Income		 51 57 68 70 - 76 78 - 77
Loans and Leases Interest Income		 38 43 52 56 - 59 61 - 61
Investment Securities Interest Income		 11 12 13 13 - 15 15 - 15
Deposits and Money Market Investments Interest Income		 1.53 1.24 2.59 1.27 - 1.92 1.42 - 1.80
Total Interest Expense		 2.03 4.54 12 15 - 21 22 - 22
Deposits Interest Expense		 1.59 3.01 8.57 11 - 16 17 - 17
Short-Term Borrowings Interest Expense		 0.44 1.53 2.96 2.99 - 3.90 3.79 - 3.17
Long-Term Debt Interest Expense		 0.00 - 0.65 1.03 - 1.57 1.59 - 1.55
Total Non-Interest Income		 18 19 20 17 - 19 20 - 19
Other Service Charges		 0.79 - 0.95 0.74 - 0.79 0.77 - 0.73
Net Realized & Unrealized Capital Gains on Investments		 0.00 0.73 -0.29 -0.73 - 0.00 0.34 - 0.00
Other Non-Interest Income		 17 21 20 17 - 18 19 - 18
Provision for Credit Losses		 0.73 0.50 0.43 0.20 - 0.50 1.20 - 0.00
Total Non-Interest Expense		 32 33 35 35 - 37 38 - 38
Salaries and Employee Benefits		 17 17 18 18 - 19 19 - 19
Net Occupancy & Equipment Expense		 5.61 4.59 5.69 5.78 - 5.99 6.21 - 6.05
Marketing Expense		 0.85 0.80 0.97 0.79 - 0.97 1.08 - 0.87
Property & Liability Insurance Claims		 0.42 0.41 0.69 0.92 - 0.72 0.73 - 0.78
Other Operating Expenses		 7.22 9.31 8.95 9.21 - 10 10 - 11
Other Special Charges		 -0.00 0.05 0.02 0.04 - 0.01 0.02 - -0.07
Income Tax Expense		 7.42 6.82 7.88 7.96 - 7.15 7.31 - 6.58
Basic Earnings per Share		 $1.84 $2.05 $2.16 $1.98 - $1.96 $2.02 - $2.06
Weighted Average Basic Shares Outstanding		 14.78M 14.74M 15.01M 14.83M 14.82M 14.70M 14.70M 14.67M 14.48M
Diluted Earnings per Share		 $1.83 $2.05 $2.16 $1.98 - $1.96 $2.02 - $2.06
Weighted Average Diluted Shares Outstanding		 14.80M 14.74M 15.01M 14.83M 14.82M 14.70M 14.70M 14.67M 14.48M
Weighted Average Basic & Diluted Shares Outstanding		 14.86M 14.74M 15.01M 14.83M 14.82M 14.70M 14.70M 14.67M 14.48M
Cash Dividends to Common per Share		 $0.65 - $0.65 $0.72 - $0.72 $0.79 - $0.79

Annual Cash Flow Statements for City

This table details how cash moves in and out of City's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Net Change in Cash & Equivalents		 62 -78 18 -5.63 40 17 389 106 -435 -44 69
Net Cash From Operating Activities		 53 48 65 76 78 105 90 102 116 138 132
Net Cash From Continuing Operating Activities		 53 48 65 76 78 105 90 102 116 138 132
Net Income / (Loss) Continuing Operations		 53 54 52 54 70 89 90 88 102 114 117
Consolidated Net Income / (Loss)		 53 54 52 54 70 89 90 88 102 114 117
Provision For Loan Losses		 4.05 6.99 4.40 3.01 -2.31 -1.25 11 -3.17 0.47 3.24 1.82
Depreciation Expense		 6.09 6.09 6.24 5.88 5.09 5.00 5.79 5.83 5.33 4.56 4.22
Amortization Expense		 -4.65 -4.59 0.84 1.01 1.28 0.70 4.88 8.78 10 6.17 8.98
Non-Cash Adjustments to Reconcile Net Income		 1.76 -4.86 -1.57 12 -3.19 4.76 -15 -0.42 0.73 -0.83 3.01
Changes in Operating Assets and Liabilities, net		 -6.86 -9.83 3.05 0.04 6.70 6.48 -6.04 3.16 -3.24 10 -3.23
Net Cash From Investing Activities		 -25 -184 -261 -172 -168 -109 -285 -191 -410 15 -252
Net Cash From Continuing Investing Activities		 -25 -184 -261 -172 -168 -109 -285 -191 -410 15 -252
Purchase of Property, Leasehold Improvements and Equipment		 -2.32 -3.01 -5.52 -6.57 -10 -4.73 -5.54 -3.32 -2.14 -2.96 -2.71
Purchase of Investment Securities		 -85 -286 -380 -273 -271 -281 -468 -561 -623 -325 -443
Sale of Property, Leasehold Improvements and Equipment		 0.65 0.14 0.84 3.06 3.88 2.29 1.02 0.37 0.19 0.28 0.10
Divestitures		 - 15 - - 33 - - 0.00 0.00 14 0.00
Sale and/or Maturity of Investments		 62 89 123 104 97 174 192 376 217 337 206
Other Investing Activities, net		 - - - - 0.00 - -4.89 -2.89 -3.35 -8.05 -12
Net Cash From Financing Activities		 34 58 214 90 131 21 584 195 -140 -196 189
Net Cash From Continuing Financing Activities		 34 58 214 90 131 21 584 195 -140 -196 189
Net Change in Deposits		 88 71 148 84 188 127 577 273 -55 -234 210
Issuance of Debt		 - 15 93 3.91 7.67 -51 85 0.00 0.00 100 50
Repayment of Debt		 -2.87 - 0.00 0.00 -16 -0.88 -4.06 17 -21 37 -9.20
Repurchase of Common Equity		 -28 -7.06 -10 0.00 -20 -19 -36 -59 -26 -60 -18
Payment of Dividends		 -24 -25 -26 -27 -30 -36 -37 -36 -37 -40 -43
Other Financing Activities, Net		 0.58 4.88 1.16 0.73 1.66 0.53 -0.43 -0.13 0.04 1.07 0.06
Cash Interest Paid		 - - - - - - - 11 9.47 49 84
Cash Income Taxes Paid		 - - - - - - - 18 22 33 28

Quarterly Cash Flow Statements for City

This table details how cash moves in and out of City's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q2 2023 Q3 2023 Q4 2023 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 6/30/2023 9/30/2023 12/31/2023 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Net Change in Cash & Equivalents		 -399 -98 - -121 46 - 76 -69 159
Net Cash From Operating Activities		 36 34 - 37 34 - 38 34 32
Net Cash From Continuing Operating Activities		 36 34 - 37 34 - 38 34 32
Net Income / (Loss) Continuing Operations		 27 31 - 30 27 - 30 29 30
Consolidated Net Income / (Loss)		 27 31 - 30 27 - 30 29 30
Provision For Loan Losses		 0.73 0.50 - 0.20 -0.30 - 1.20 0.30 0.00
Depreciation Expense		 1.32 1.29 - 1.10 1.10 - 1.04 1.06 1.05
Amortization Expense		 2.39 1.84 - 1.79 -0.33 - 1.76 3.28 2.09
Non-Cash Adjustments to Reconcile Net Income		 1.07 -0.82 - -0.01 2.94 - -1.77 3.19 1.25
Changes in Operating Assets and Liabilities, net		 3.48 0.57 - 3.82 2.67 - 5.61 -2.72 -3.21
Net Cash From Investing Activities		 -144 -14 - -75 -18 - -2.82 -119 13
Net Cash From Continuing Investing Activities		 -144 -14 - -75 -18 - -2.82 -119 13
Purchase of Property, Leasehold Improvements and Equipment		 -0.63 -0.46 - -0.67 -0.57 - -0.65 -0.96 -0.25
Purchase of Investment Securities		 -211 -49 - -26 -263 - -14 -250 -30
Sale of Property, Leasehold Improvements and Equipment		 0.13 0.00 - 0.00 - - -0.00 0.01 0.05
Sale and/or Maturity of Investments		 69 36 - -46 233 - 14 134 46
Other Investing Activities, net		 -1.31 -1.21 - -2.43 -1.47 - -2.11 -1.97 -2.79
Net Cash From Financing Activities		 -291 -118 - -82 30 - 41 17 115
Net Cash From Continuing Financing Activities		 -291 -118 - -82 30 - 41 17 115
Net Change in Deposits		 -184 -88 - -70 -11 - 35 42 114
Issuance of Debt		 - - - - - - - - 0.00
Repayment of Debt		 -98 -13 - 6.75 57 - 16 -13 22
Repurchase of Common Equity		 -0.72 -6.43 - -9.77 -6.31 - - - -9.46
Payment of Dividends		 -8.91 -9.66 - -9.76 -11 - -11 -12 -12
Other Financing Activities, Net		 0.04 -0.66 - - 1.07 - - -0.23 0.00
Cash Interest Paid		 2.04 4.17 - 14 17 - 22 23 22
Cash Income Taxes Paid		 7.01 4.60 - 8.85 6.65 - 6.77 6.30 0.00

Annual Balance Sheets for City

This table presents City's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Total Assets		 3,462 3,714 3,984 4,132 4,899 5,019 5,759 6,004 5,878 6,168 6,459
Cash and Due from Banks		 139 59 62 54 55 89 77 102 70 123 118
Interest Bearing Deposits at Other Banks		 9.73 11 26 28 68 51 451 533 130 33 108
Trading Account Securities		 345 458 525 615 783 859 1,206 1,434 1,529 1,369 1,451
Loans and Leases, Net of Allowance		 2,632 2,843 3,026 3,109 3,572 3,605 3,598 3,526 3,629 -23 -22
Allowance for Loan and Lease Losses		 20 19 20 19 16 12 25 18 17 23 22
Premises and Equipment, Net		 78 77 75 73 78 77 77 74 71 72 71
Intangible Assets		 74 80 79 79 123 120 119 117 116 163 160
Other Assets		 184 185 190 175 221 218 231 219 333 4,431 4,574
Total Liabilities & Shareholders' Equity		 3,462 3,714 3,984 4,132 4,899 5,019 5,759 6,004 5,878 6,168 6,459
Total Liabilities		 3,071 3,295 3,542 3,630 4,298 4,361 5,058 5,323 5,300 5,491 5,729
Non-Interest Bearing Deposits		 545 621 672 667 789 805 1,177 1,373 1,351 1,343 1,344
Interest Bearing Deposits		 2,327 2,463 2,559 2,649 3,186 3,271 3,475 3,552 3,518 3,591 3,800
Federal Funds Purchased and Securities Sold		 - - - - 40 - - - 0.00 25 0.00
Short-Term Debt		 135 142 184 198 222 211 296 312 291 310 326
Long-Term Debt		 16 29 81 70 4.05 4.06 - - 0.00 100 150
Other Long-Term Liabilities		 47 39 46 45 57 70 109 85 139 122 109
Total Equity & Noncontrolling Interests		 391 419 442 503 601 658 701 681 578 677 731
Total Preferred & Common Equity		 391 419 442 503 601 658 701 681 578 677 731
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 391 419 442 503 601 658 701 681 578 677 731
Common Stock		 154 153 159 189 217 218 219 219 219 225 224
Retained Earnings		 362 391 417 444 486 539 590 642 707 780 853
Treasury Stock		 -121 -120 -127 -125 -88 -105 -139 -194 -216 -218 -230
Accumulated Other Comprehensive Income / (Loss)		 -4.16 -3.83 -7.01 -5.64 -14 5.84 31 14 -131 -111 -116

Quarterly Balance Sheets for City

This table presents City's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024 Q1 2025
Period end date 9/30/2022 3/31/2023 6/30/2023 9/30/2023 3/31/2024 6/30/2024 9/30/2024 3/31/2025
Total Assets		 5,948 6,211 6,147 6,076 6,314 6,341 6,434 6,623
Cash and Due from Banks		 65 70 66 62 122 141 161 135
Interest Bearing Deposits at Other Banks		 233 233 165 49 197 77 133 250
Trading Account Securities		 1,514 1,481 1,478 1,416 1,378 1,488 1,494 1,447
Loans and Leases, Net of Allowance		 0.00 0.00 -23 -23 -22 -23 -22 -22
Allowance for Loan and Lease Losses		 - - 23 23 22 23 22 22
Premises and Equipment, Net		 72 73 73 73 72 71 71 70
Intangible Assets		 116 164 163 163 162 161 161 160
Other Assets		 3,948 4,189 4,253 4,365 4,406 4,426 4,437 4,584
Total Liabilities & Shareholders' Equity		 5,948 6,211 6,147 6,076 6,314 6,341 6,434 6,623
Total Liabilities		 5,399 5,560 5,511 5,466 5,632 5,655 5,693 5,867
Non-Interest Bearing Deposits		 1,429 1,421 1,373 1,333 1,359 1,355 1,340 1,366
Interest Bearing Deposits		 3,529 3,716 3,642 3,612 3,697 3,713 3,763 3,893
Short-Term Debt		 305 293 272 279 305 323 339 348
Long-Term Debt		 - - 100 100 150 150 150 150
Other Long-Term Liabilities		 137 130 124 142 121 115 101 110
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 548 651 636 610 682 687 741 756
Total Preferred & Common Equity		 548 651 636 610 682 687 741 756
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 548 651 636 610 682 687 741 756
Common Stock		 218 225 224 225 223 222 223 222
Retained Earnings		 686 722 744 763 799 818 836 871
Treasury Stock		 -210 -179 -202 -211 -219 -231 -231 -237
Accumulated Other Comprehensive Income / (Loss)		 -145 -116 -130 -167 -122 -122 -87 -100

Annual Metrics And Ratios for City

This table displays calculated financial ratios and metrics derived from City's official financial filings.

Metric 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Period end date 12/31/2014 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 -3.77% 3.47% -2.57% 6.73% 4.77% 15.63% 3.25% -5.10% 11.94% 14.98% 1.28%
EBITDA Growth		 15.77% 6.79% 0.33% 15.84% -3.33% 26.28% 2.35% 3.13% 13.75% 7.49% 2.53%
EBIT Growth		 5.09% 6.83% -6.42% 17.53% -3.01% 28.94% -1.92% -0.11% 14.52% 12.39% 0.99%
NOPAT Growth		 9.85% 2.14% -3.64% 4.19% 28.89% 27.64% 0.27% -1.69% 15.88% 12.04% 2.39%
Net Income Growth		 9.85% 2.14% -3.64% 4.19% 28.89% 27.64% 0.27% -1.69% 15.88% 12.04% 2.39%
EPS Growth		 11.18% 4.44% -2.27% 0.87% 29.02% 20.71% 2.40% 1.98% 20.14% 11.91% 3.68%
Operating Cash Flow Growth		 -29.70% -10.23% 36.40% 16.53% 1.90% 35.42% -14.52% 13.90% 13.24% 18.79% -4.13%
Free Cash Flow Firm Growth		 279.60% -89.09% -1,223.24% 85.00% 249.85% 195.18% -179.87% 367.99% 147.67% -145.74% 97.79%
Invested Capital Growth		 0.07% 8.92% 19.74% 9.05% 7.20% 5.63% 14.17% -0.35% -12.56% 25.10% 10.98%
Revenue Q/Q Growth		 -1.69% -0.34% 0.83% 1.72% 1.63% 3.03% 5.43% -5.00% 5.14% 0.00% 0.00%
EBITDA Q/Q Growth		 -5.09% -2.50% -1.81% 4.42% -8.96% 15.08% 13.06% -7.92% 5.14% 1,075.69% 1,536.90%
EBIT Q/Q Growth		 0.48% -1.41% 2.23% 4.19% -11.36% 15.90% 12.15% -9.27% 6.59% 0.00% 0.00%
NOPAT Q/Q Growth		 2.48% -1.84% 2.23% -8.41% 1.52% 15.36% -0.44% 1.34% 7.69% 0.00% 0.00%
Net Income Q/Q Growth		 2.48% -1.84% 2.23% -8.41% 1.52% 15.36% -0.44% 1.34% 7.69% 0.00% 0.00%
EPS Q/Q Growth		 4.00% -1.94% 2.07% -9.14% 1.58% 14.83% 0.36% 2.35% 8.28% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 2.50% -24.10% 27.15% 5.69% 0.17% 7.09% -1.42% 1.16% 4.96% -0.37% 0.17%
Free Cash Flow Firm Q/Q Growth		 38.24% -79.51% 55.35% 91.07% 128.19% -69.40% -36.93% 8.76% 5.19% 23.56% 99.05%
Invested Capital Q/Q Growth		 32.86% 35.70% 12.14% -3.39% -10.01% 1.99% 2.66% 2.02% 1.84% 9.92% -1.96%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 44.61% 46.05% 47.41% 51.46% 47.48% 51.85% 51.40% 55.86% 56.76% 53.07% 53.72%
EBIT Margin		 43.80% 45.22% 43.43% 47.83% 44.28% 49.37% 46.90% 49.37% 50.51% 49.37% 49.23%
Profit (Net Income) Margin		 30.04% 29.65% 29.32% 28.62% 35.22% 38.87% 37.75% 39.11% 40.49% 39.45% 39.89%
Tax Burden Percent		 68.57% 65.56% 67.51% 59.85% 79.53% 78.73% 80.49% 79.21% 80.16% 79.92% 81.03%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate		 31.43% 34.44% 32.49% 40.15% 20.47% 21.27% 19.51% 20.79% 19.84% 20.08% 18.97%
Return on Invested Capital (ROIC)		 9.77% 9.55% 8.03% 7.35% 8.76% 10.51% 9.58% 8.85% 10.96% 11.70% 10.21%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.77% 9.55% 8.03% 7.35% 8.76% 10.51% 9.58% 8.85% 10.96% 11.70% 10.21%
Return on Net Nonoperating Assets (RNNOA)		 3.84% 3.81% 4.07% 4.15% 3.93% 3.69% 3.60% 3.90% 5.25% 6.53% 6.42%
Return on Equity (ROE)		 13.61% 13.36% 12.10% 11.49% 12.69% 14.20% 13.18% 12.74% 16.22% 18.23% 16.64%
Cash Return on Invested Capital (CROIC)		 9.70% 1.01% -9.94% -1.31% 1.81% 5.03% -3.65% 9.20% 24.36% -10.61% -0.20%
Operating Return on Assets (OROA)		 2.26% 2.30% 2.01% 2.24% 1.95% 2.29% 2.07% 1.89% 2.14% 2.38% 2.29%
Return on Assets (ROA)		 1.55% 1.51% 1.35% 1.34% 1.55% 1.80% 1.66% 1.50% 1.72% 1.90% 1.85%
Return on Common Equity (ROCE)		 13.61% 13.36% 12.10% 11.49% 12.69% 14.20% 13.18% 12.74% 16.22% 18.23% 16.64%
Return on Equity Simple (ROE_SIMPLE)		 13.55% 12.90% 11.78% 10.81% 11.65% 13.58% 12.78% 12.93% 17.66% 16.89% 16.03%
Net Operating Profit after Tax (NOPAT)		 53 54 52 54 70 89 90 88 102 114 117
NOPAT Margin		 30.04% 29.65% 29.32% 28.62% 35.22% 38.87% 37.75% 39.11% 40.49% 39.45% 39.89%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 36.87% 36.53% 39.84% 37.56% 37.44% 37.00% 35.74% 37.97% 36.09% 33.72% 35.08%
Operating Expenses to Revenue		 53.90% 50.95% 54.09% 50.59% 56.88% 51.17% 48.58% 52.03% 49.30% 49.51% 50.15%
Earnings before Interest and Taxes (EBIT)		 77 83 77 91 88 113 111 111 127 143 145
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 79 84 84 98 94 119 122 126 143 154 158
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.34 1.28 1.83 1.72 1.46 1.76 1.40 1.68 2.25 2.34 2.37
Price to Tangible Book Value (P/TBV)		 1.66 1.58 2.23 2.03 1.83 2.15 1.69 2.02 2.81 3.07 3.03
Price to Revenue (P/Rev)		 2.98 2.94 4.55 4.55 4.40 5.03 4.14 5.07 5.15 5.45 5.89
Price to Earnings (P/E)		 9.92 9.92 15.52 15.88 12.49 12.94 10.97 12.96 12.72 13.82 14.78
Dividend Yield		 4.55% 4.73% 3.17% 3.17% 3.36% 3.05% 3.66% 3.07% 2.80% 2.50% 2.49%
Earnings Yield		 10.08% 10.08% 6.44% 6.30% 8.01% 7.73% 9.11% 7.71% 7.86% 7.23% 6.77%
Enterprise Value to Invested Capital (EV/IC)		 0.98 1.08 1.39 1.36 1.18 1.41 0.75 0.83 1.60 1.69 1.64
Enterprise Value to Revenue (EV/Rev)		 3.00 3.50 5.54 5.53 4.92 5.36 3.16 3.64 5.51 6.33 6.75
Enterprise Value to EBITDA (EV/EBITDA)		 6.72 7.59 11.69 10.74 10.35 10.33 6.15 6.52 9.71 11.93 12.56
Enterprise Value to EBIT (EV/EBIT)		 6.85 7.73 12.77 11.56 11.10 10.85 6.74 7.37 10.91 12.82 13.70
Enterprise Value to NOPAT (EV/NOPAT)		 9.98 11.79 18.91 19.31 13.96 13.78 8.38 9.31 13.61 16.04 16.91
Enterprise Value to Operating Cash Flow (EV/OCF)		 9.91 13.32 15.09 13.78 12.60 11.72 8.36 8.02 12.00 13.33 15.02
Enterprise Value to Free Cash Flow (EV/FCFF)		 10.05 111.15 0.00 0.00 67.41 28.78 0.00 8.95 6.13 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.39 0.41 0.60 0.53 0.38 0.33 0.42 0.46 0.50 0.61 0.65
Long-Term Debt to Equity		 0.04 0.07 0.18 0.14 0.01 0.01 0.00 0.00 0.00 0.15 0.21
Financial Leverage		 0.39 0.40 0.51 0.56 0.45 0.35 0.38 0.44 0.48 0.56 0.63
Leverage Ratio		 8.77 8.86 8.93 8.59 8.19 7.88 7.93 8.51 9.44 9.60 8.97
Compound Leverage Factor		 8.77 8.86 8.93 8.59 8.19 7.88 7.93 8.51 9.44 9.60 8.97
Debt to Total Capital		 27.92% 29.01% 37.44% 34.84% 27.33% 24.66% 29.68% 31.45% 33.49% 37.71% 39.43%
Short-Term Debt to Total Capital		 24.88% 24.02% 26.05% 25.70% 26.84% 24.19% 29.68% 31.45% 33.49% 28.51% 27.00%
Long-Term Debt to Total Capital		 3.04% 4.99% 11.40% 9.14% 0.49% 0.46% 0.00% 0.00% 0.00% 9.20% 12.43%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 72.08% 70.99% 62.56% 65.16% 72.67% 75.35% 70.32% 68.55% 66.51% 62.29% 60.57%
Debt to EBITDA		 1.92 2.04 3.14 2.75 2.39 1.81 2.43 2.48 2.03 2.66 3.02
Net Debt to EBITDA		 0.04 1.21 2.10 1.91 1.09 0.63 -1.91 -2.56 0.64 1.65 1.59
Long-Term Debt to EBITDA		 0.21 0.35 0.96 0.72 0.04 0.03 0.00 0.00 0.00 0.65 0.95
Debt to NOPAT		 2.86 3.17 5.08 4.95 3.23 2.41 3.30 3.55 2.85 3.58 4.06
Net Debt to NOPAT		 0.06 1.87 3.39 3.43 1.47 0.84 -2.60 -3.66 0.89 2.22 2.14
Long-Term Debt to NOPAT		 0.31 0.55 1.55 1.30 0.06 0.05 0.00 0.00 0.00 0.87 1.28
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 53 5.74 -64 -9.67 14 43 -34 92 227 -104 -2.30
Operating Cash Flow to CapEx		 3,187.22% 1,667.07% 1,395.64% 2,164.52% 1,229.74% 4,298.20% 1,986.18% 3,459.84% 5,936.29% 5,135.50% 5,057.36%
Free Cash Flow to Firm to Interest Expense		 4.40 0.49 -4.88 -0.58 0.56 1.18 -1.45 9.26 23.49 -1.99 -0.03
Operating Cash Flow to Interest Expense		 4.46 4.05 4.95 4.53 3.02 2.89 3.80 10.34 12.00 2.64 1.53
Operating Cash Flow Less CapEx to Interest Expense		 4.32 3.81 4.59 4.32 2.77 2.82 3.61 10.04 11.79 2.59 1.50
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.05 0.05 0.05 0.05 0.04 0.05 0.04 0.04 0.04 0.05 0.05
Fixed Asset Turnover		 2.20 2.35 2.33 2.57 2.63 2.96 3.08 2.98 3.48 4.06 4.12
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 542 591 707 771 827 873 997 994 869 1,087 1,206
Invested Capital Turnover		 0.33 0.32 0.27 0.26 0.25 0.27 0.25 0.23 0.27 0.30 0.26
Increase / (Decrease) in Invested Capital		 0.36 48 117 64 56 47 124 -3.50 -125 218 119
Enterprise Value (EV)		 529 638 986 1,049 977 1,231 751 820 1,390 1,835 1,981
Market Capitalization		 526 537 809 863 874 1,156 983 1,142 1,299 1,581 1,730
Book Value per Share		 $25.68 $27.40 $29.48 $32.17 $39.04 $40.36 $44.41 $45.05 $38.90 $45.65 $49.70
Tangible Book Value per Share		 $20.81 $22.19 $24.21 $27.14 $31.06 $32.99 $36.90 $37.31 $31.11 $34.69 $38.81
Total Capital		 542 591 707 771 827 873 997 994 869 1,087 1,206
Total Debt		 151 171 265 269 226 215 296 312 291 410 476
Total Long-Term Debt		 16 29 81 70 4.05 4.06 0.00 0.00 0.00 100 150
Net Debt		 3.20 101 177 186 103 75 -233 -322 91 254 250
Capital Expenditures (CapEx)		 1.67 2.87 4.68 3.52 6.31 2.44 4.52 2.96 1.95 2.68 2.61
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 151 171 265 269 226 215 296 312 291 410 476
Total Depreciation and Amortization (D&A)		 1.43 1.50 7.07 6.89 6.37 5.70 11 15 16 11 13
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $3.40 $3.54 $3.46 $3.49 $4.50 $5.43 $5.55 $5.67 $6.81 $7.62 $7.91
Adjusted Weighted Average Basic Shares Outstanding		 15.40M 15.12M 14.90M 15.41M 15.42M 16.31M 15.98M 15.38M 14.85M 14.87M 14.67M
Adjusted Diluted Earnings per Share		 $3.38 $3.53 $3.45 $3.48 $4.49 $5.42 $5.55 $5.66 $6.80 $7.61 $7.89
Adjusted Weighted Average Diluted Shares Outstanding		 15.49M 15.17M 14.91M 15.44M 15.44M 16.33M 16.00M 15.41M 14.87M 14.89M 14.67M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $5.43 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 15.17M 14.98M 15.58M 15.51M 16.53M 16.28M 15.73M 15.07M 14.74M 14.82M 14.67M
Normalized Net Operating Profit after Tax (NOPAT)		 53 54 52 54 81 90 90 88 102 119 117
Normalized NOPAT Margin		 30.04% 29.87% 29.32% 28.62% 40.52% 39.15% 37.84% 39.09% 40.59% 40.88% 39.96%
Pre Tax Income Margin		 43.80% 45.22% 43.43% 47.83% 44.28% 49.37% 46.90% 49.37% 50.51% 49.37% 49.23%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 6.46 6.97 5.85 5.40 3.43 3.12 4.71 11.24 13.19 2.75 1.68
NOPAT to Interest Expense		 4.43 4.57 3.95 3.23 2.72 2.46 3.79 8.90 10.57 2.20 1.36
EBIT Less CapEx to Interest Expense		 6.32 6.73 5.49 5.19 3.18 3.06 4.52 10.94 12.99 2.70 1.65
NOPAT Less CapEx to Interest Expense		 4.29 4.33 3.59 3.02 2.48 2.39 3.60 8.60 10.37 2.15 1.33
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 46.24% 46.78% 49.34% 49.94% 42.26% 39.78% 40.93% 41.03% 35.96% 34.97% 37.13%
Augmented Payout Ratio		 99.02% 59.82% 68.55% 49.94% 71.22% 61.53% 81.65% 107.65% 61.87% 87.55% 52.41%

Quarterly Metrics And Ratios for City

This table displays calculated financial ratios and metrics derived from City's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q2 2024 Q3 2024 Q4 2024 Q1 2025
Period end date 9/30/2022 12/31/2022 3/31/2023 6/30/2023 9/30/2023 12/31/2023 6/30/2024 9/30/2024 12/31/2024 3/31/2025
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 16.70% 21.18% 30.30% 28.18% 8.95% 0.00% -2.99% 4.01% 0.00% 3.01%
EBITDA Growth		 17.98% 20.79% 8.22% 25.16% 5.66% -98.10% -10.72% -1.89% 461.06% 1.04%
EBIT Growth		 20.06% 26.58% 15.07% 42.77% 8.62% -100.00% -10.72% -1.80% 0.00% 0.71%
NOPAT Growth		 20.42% 31.16% 14.05% 44.31% 9.00% -100.00% -11.05% -0.10% 0.00% 2.77%
Net Income Growth		 20.42% 31.16% 14.05% 44.31% 9.00% 0.00% -11.05% -0.10% 0.00% 2.77%
EPS Growth		 24.49% 33.99% 15.60% 43.05% 8.20% 0.00% -9.26% 2.02% 0.00% 4.57%
Operating Cash Flow Growth		 9.01% 19.14% 40.15% 0.00% 1.00% -1.51% 0.00% 2.49% 0.67% -2.03%
Free Cash Flow Firm Growth		 640.38% 478.09% -99.12% -45.36% -171.43% -240.33% -737.83% -100.09% 45.26% 47.01%
Invested Capital Growth		 -12.41% -12.56% 2.54% 1.36% 15.91% 25.10% 15.03% 24.44% 10.98% 10.28%
Revenue Q/Q Growth		 13.34% 5.30% 2.21% 0.00% -3.67% 0.00% 0.00% 3.29% 0.00% 0.00%
EBITDA Q/Q Growth		 18.66% 5.52% -16.05% 19.07% 0.17% -98.10% 0.00% 10.07% -89.13% 823.54%
EBIT Q/Q Growth		 22.30% 7.76% -18.39% 32.74% -6.95% -100.00% 0.00% 2.35% -100.00% 0.00%
NOPAT Q/Q Growth		 20.68% 12.05% -20.64% 34.48% -8.84% -100.00% 0.00% 2.38% -100.00% 0.00%
Net Income Q/Q Growth		 20.68% 12.05% -20.64% 0.00% -8.84% 0.00% 0.00% 2.38% 0.00% 0.00%
EPS Q/Q Growth		 21.19% 12.02% -20.49% 0.00% -8.33% 0.00% 0.00% 3.06% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 114.90% -6.38% 17.18% 0.00% 0.00% -8.70% 0.00% 0.00% -10.32% -6.65%
Free Cash Flow Firm Q/Q Growth		 322.10% 4.86% -99.39% 1,924.05% -651.76% -106.01% 0.00% -73.09% 43.64% 27.51%
Invested Capital Q/Q Growth		 -14.21% 1.84% 8.69% 6.74% -1.90% 9.92% 0.00% 6.13% -1.96% 3.96%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 57.45% 57.57% 47.29% 53.58% 55.71% 0.00% 49.31% 52.55% 0.00% 53.73%
EBIT Margin		 51.91% 53.12% 42.42% 53.58% 51.76% 0.00% 49.31% 48.87% 0.00% 49.52%
Profit (Net Income) Margin		 40.84% 43.46% 33.74% 43.18% 40.86% 0.00% 39.59% 39.25% 0.00% 40.70%
Tax Burden Percent		 78.67% 81.80% 79.55% 80.59% 78.95% 0.00% 80.29% 80.32% 0.00% 82.19%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 100.00% 0.00% 100.00% 100.00% 0.00% 100.00%
Effective Tax Rate		 21.33% 18.20% 20.45% 19.41% 21.05% 0.00% 19.71% 19.68% 0.00% 17.81%
Return on Invested Capital (ROIC)		 10.72% 11.77% 9.73% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 10.07%
ROIC Less NNEP Spread (ROIC-NNEP)		 10.72% 11.77% 9.73% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 10.07%
Return on Net Nonoperating Assets (RNNOA)		 5.26% 5.64% 4.41% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 6.67%
Return on Equity (ROE)		 15.98% 17.40% 14.14% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 16.73%
Cash Return on Invested Capital (CROIC)		 23.60% 24.36% 8.76% -1.35% -14.74% -10.61% -13.98% -21.78% -0.20% 0.09%
Operating Return on Assets (OROA)		 2.09% 2.25% 1.87% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 2.26%
Return on Assets (ROA)		 1.65% 1.84% 1.48% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 1.86%
Return on Common Equity (ROCE)		 15.98% 17.40% 14.14% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 16.73%
Return on Equity Simple (ROE_SIMPLE)		 17.29% 0.00% 16.14% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 15.59%
Net Operating Profit after Tax (NOPAT)		 27 31 24 33 30 0.00 29 30 0.00 30
NOPAT Margin		 40.84% 43.46% 33.74% 43.18% 40.86% 0.00% 39.59% 39.25% 0.00% 40.70%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 35.61% 31.94% 33.50% 33.11% 34.04% 0.00% 34.96% 34.93% 0.00% 35.03%
Operating Expenses to Revenue		 47.00% 46.17% 53.54% 45.86% 47.97% 0.00% 50.01% 49.55% 0.00% 50.48%
Earnings before Interest and Taxes (EBIT)		 35 37 31 41 38 0.00 36 37 0.00 37
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 39 41 34 41 41 0.77 36 40 4.34 40
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 2.27 2.25 2.01 2.06 2.15 2.34 0.00 2.31 2.37 2.26
Price to Tangible Book Value (P/TBV)		 2.88 2.81 2.69 2.77 2.93 3.07 0.00 2.95 3.03 2.87
Price to Revenue (P/Rev)		 5.19 5.15 4.87 0.00 0.00 5.45 0.00 0.00 5.89 5.78
Price to Earnings (P/E)		 13.13 12.72 12.47 0.00 0.00 13.82 0.00 0.00 14.78 14.51
Dividend Yield		 2.84% 2.80% 2.83% 2.94% 2.98% 2.50% 2.65% 2.45% 2.49% 2.58%
Earnings Yield		 7.61% 7.86% 8.02% 0.00% 0.00% 7.23% 0.00% 0.00% 6.77% 6.89%
Enterprise Value to Invested Capital (EV/IC)		 1.47 1.60 1.38 1.44 1.60 1.69 0.00 1.55 1.64 1.45
Enterprise Value to Revenue (EV/Rev)		 5.22 5.51 4.84 0.00 0.00 6.33 0.00 0.00 6.75 6.17
Enterprise Value to EBITDA (EV/EBITDA)		 9.19 9.71 8.93 104.23 120.56 11.93 0.00 198.19 12.56 11.53
Enterprise Value to EBIT (EV/EBIT)		 10.47 10.91 9.91 0.00 0.00 12.82 0.00 0.00 13.70 12.60
Enterprise Value to NOPAT (EV/NOPAT)		 13.20 13.61 12.38 0.00 0.00 16.04 0.00 0.00 16.91 15.47
Enterprise Value to Operating Cash Flow (EV/OCF)		 11.34 12.00 10.23 10.52 11.42 13.33 0.00 14.50 15.02 13.90
Enterprise Value to Free Cash Flow (EV/FCFF)		 5.80 6.13 15.93 0.00 0.00 0.00 0.00 0.00 0.00 1,775.91
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.56 0.50 0.45 0.58 0.62 0.61 0.69 0.66 0.65 0.66
Long-Term Debt to Equity		 0.00 0.00 0.00 0.16 0.16 0.15 0.22 0.20 0.21 0.20
Financial Leverage		 0.49 0.48 0.45 0.63 0.59 0.56 0.64 0.64 0.63 0.66
Leverage Ratio		 9.71 9.44 9.52 10.09 10.38 9.60 9.44 9.26 8.97 8.99
Compound Leverage Factor		 9.71 9.44 9.52 10.09 10.38 0.00 9.44 9.26 0.00 8.99
Debt to Total Capital		 35.73% 33.49% 31.06% 36.88% 38.30% 37.71% 40.77% 39.75% 39.43% 39.69%
Short-Term Debt to Total Capital		 35.73% 33.49% 31.06% 26.96% 28.18% 28.51% 27.83% 27.56% 27.00% 27.73%
Long-Term Debt to Total Capital		 0.00% 0.00% 0.00% 9.92% 10.11% 9.20% 12.94% 12.19% 12.43% 11.96%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 64.27% 66.51% 68.94% 63.12% 61.70% 62.29% 59.23% 60.25% 60.57% 60.31%
Debt to EBITDA		 2.24 2.03 2.01 26.73 28.94 2.66 48.62 50.77 3.02 3.15
Net Debt to EBITDA		 0.05 0.64 -0.07 10.10 20.48 1.65 26.20 20.26 1.59 0.71
Long-Term Debt to EBITDA		 0.00 0.00 0.00 7.19 7.64 0.65 15.43 15.57 0.95 0.95
Debt to NOPAT		 3.22 2.85 2.79 0.00 0.00 3.58 0.00 0.00 4.06 4.22
Net Debt to NOPAT		 0.07 0.89 -0.09 0.00 0.00 2.22 0.00 0.00 2.14 0.96
Long-Term Debt to NOPAT		 0.00 0.00 0.00 0.00 0.00 0.87 0.00 0.00 1.28 1.27
Noncontrolling Interest Sharing Ratio		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 148 155 0.95 19 -106 -218 -122 -212 -119 -87
Operating Cash Flow to CapEx		 7,245.22% 7,354.21% 6,477.44% 0.00% 5,532.08% 5,883.51% 0.00% 5,800.62% 3,553.68% 15,224.15%
Free Cash Flow to Firm to Interest Expense		 73.19 34.21 0.12 1.58 -7.26 0.00 -5.73 -9.44 0.00 -4.01
Operating Cash Flow to Interest Expense		 17.96 7.50 4.94 0.00 2.52 0.00 0.00 1.68 0.00 1.46
Operating Cash Flow Less CapEx to Interest Expense		 17.71 7.39 4.87 0.00 2.47 0.00 0.00 1.65 0.00 1.45
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.04 0.00 0.00 0.05 0.00 0.00 0.05 0.05
Fixed Asset Turnover		 3.27 3.48 3.67 0.00 0.00 4.06 0.00 0.00 4.12 4.19
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 853 869 944 1,008 989 1,087 1,159 1,230 1,206 1,254
Invested Capital Turnover		 0.26 0.27 0.29 0.00 0.00 0.30 0.00 0.00 0.26 0.25
Increase / (Decrease) in Invested Capital		 -121 -125 23 14 136 218 152 242 119 117
Enterprise Value (EV)		 1,251 1,390 1,301 1,450 1,577 1,835 0.00 1,910 1,981 1,824
Market Capitalization		 1,245 1,299 1,311 1,309 1,309 1,581 0.00 1,714 1,730 1,711
Book Value per Share		 $36.91 $38.90 $44.17 $42.22 $40.66 $45.65 $46.71 $50.42 $49.70 $51.56
Tangible Book Value per Share		 $29.09 $31.11 $33.04 $31.37 $29.77 $34.69 $35.74 $39.50 $38.81 $40.69
Total Capital		 853 869 944 1,008 989 1,087 1,159 1,230 1,206 1,254
Total Debt		 305 291 293 372 379 410 473 489 476 498
Total Long-Term Debt		 0.00 0.00 0.00 100 100 100 150 150 150 150
Net Debt		 6.45 91 -9.55 140 268 254 255 195 250 113
Capital Expenditures (CapEx)		 0.50 0.46 0.62 0.00 0.66 0.57 0.00 0.65 0.95 0.21
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 305 291 293 372 379 410 473 489 476 498
Total Depreciation and Amortization (D&A)		 3.71 3.14 3.51 0.00 2.89 0.77 0.00 2.80 4.34 3.14
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.84 $2.05 $1.63 $2.16 $1.98 $0.00 $1.96 $2.02 $0.00 $2.06
Adjusted Weighted Average Basic Shares Outstanding		 14.78M 14.74M 14.82M 14.99M 14.92M 14.82M 14.70M 14.70M 14.67M 14.48M
Adjusted Diluted Earnings per Share		 $1.83 $2.05 $1.63 $2.16 $1.98 $0.00 $1.96 $2.02 $0.00 $2.06
Adjusted Weighted Average Diluted Shares Outstanding		 14.80M 14.74M 14.84M 15.01M 14.95M 14.82M 14.70M 14.70M 14.67M 14.48M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 14.86M 14.74M 15.07M 15.01M 14.83M 14.82M 14.70M 14.70M 14.67M 14.48M
Normalized Net Operating Profit after Tax (NOPAT)		 27 31 29 33 30 0.00 29 30 0.00 30
Normalized NOPAT Margin		 40.84% 43.83% 39.98% 43.21% 40.91% 0.00% 39.60% 39.27% 0.00% 40.63%
Pre Tax Income Margin		 51.91% 53.12% 42.42% 53.58% 51.76% 0.00% 49.31% 48.87% 0.00% 49.52%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 17.18 8.25 3.79 3.34 2.59 0.00 1.70 1.65 0.00 1.71
NOPAT to Interest Expense		 13.52 6.75 3.02 2.69 2.05 0.00 1.36 1.33 0.00 1.41
EBIT Less CapEx to Interest Expense		 16.93 8.15 3.72 3.34 2.55 0.00 1.70 1.62 0.00 1.70
NOPAT Less CapEx to Interest Expense		 13.27 6.65 2.94 2.69 2.00 0.00 1.36 1.30 0.00 1.40
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 37.76% 35.96% 35.46% 0.00% 0.00% 34.97% 0.00% 0.00% 37.13% 37.72%
Augmented Payout Ratio		 69.81% 61.87% 76.93% 0.00% 0.00% 87.55% 0.00% 0.00% 52.41% 57.83%

Key Financial Trends

Analyzing the last four years of quarterly financial statements for CITY HOLDING CO (NASDAQ: CHCO) reveals several key trends and takeaways relevant for investors.

  • CITY's net interest income has been steadily growing, with Q1 2025 reporting $55.8 million compared to $48.7 million in Q3 2022, indicating solid core earnings from lending activities.
  • Non-interest income remains strong and stable, reaching $18.7 million in Q1 2025, supported mainly by other non-interest income sources beyond capital gains.
  • Net income has shown consistent growth over recent quarters: Q1 2025 net income was $30.3 million compared to $27.4 million in Q3 2022, reflecting overall company profitability improvements.
  • CITY maintains healthy operating cash flows, with net cash from continuing operating activities of $31.5 million in Q1 2025, supporting liquidity without excessive debt reliance.
  • The balance sheet growth is evident with total assets increasing to about $6.62 billion in Q1 2025 from $5.95 billion in Q3 2022, suggesting expansion and asset accumulation.
  • Total common equity has strengthened to $756.3 million in Q1 2025 from $548.3 million in Q3 2022, implying ongoing capital base growth and potential for shareholder value creation.
  • CITY's loan loss provisions remained low or zero in recent quarters (0 in Q1 2025 and only small amounts prior), which is a positive sign but warrants monitoring for credit quality trends.
  • The company's dividend payouts have increased moderately, from $0.65 per share in Q3 2022 to $0.79 in Q1 2025, reflecting confidence in cash flow but also a commitment to returning capital.
  • City’s shares outstanding have been gradually decreasing from around 14.8 million shares in late 2022 to 14.48 million in Q1 2025, a point to watch for potential share buybacks or dilution effects.
  • Interest expense has risen moderately, particularly on deposits, aligning with rising interest rate environments but could pressure net interest margins if unchecked.
  • The company’s non-interest expenses have increased, amounting to $37.6 million in Q1 2025, up from $31.5 million in Q3 2022, driven by increases in salaries, occupancy, and other operating costs that could compress margins if trends continue.
  • While net cash from financing activities was positive $115.1 million in Q1 2025 due to large net deposit increases, prior periods showed net outflows from financing activities, indicating potential volatility in funding sources.
  • CITY's tangible common equity ratio, while improving, still indicates moderate leverage with total liabilities consistently around 5.7 to 7.8 times common equity over quarters, which could be risky if credit quality deteriorates.
  • Despite growth in total assets, there are fluctuations in liquidity metrics such as cash and equivalent balances, which fell to $135 million in Q1 2025 down from $161 million in Q3 2024, possibly reducing immediate liquidity.
  • The allowance for loan and lease losses has increased slightly but remains a small percentage of loans, which if inadequate could lead to surprises under adverse economic conditions.

Overall, CITY HOLDING CO is demonstrating steady growth in revenue and profit with a strengthening capital base, supported by solid net interest margins and controlled loan losses. However, rising non-interest expenses and funding volatility present challenges. Investors should watch upcoming quarters for how effectively CITY manages rising costs and interest expense pressures alongside continued asset and equity growth.

08/04/25 03:45 AMAI Generated. May Contain Errors.

Frequently Asked Questions About City's Financials

When does City's financial year end?

According to the most recent income statement we have on file, City's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has City's net income changed over the last 10 years?

City's net income appears to be on an upward trend, with a most recent value of $117.10 million in 2024, rising from $52.96 million in 2014. The previous period was $114.37 million in 2023. See where experts think City is headed by visiting City's forecast page.

How has City's revenue changed over the last 10 years?

Over the last 10 years, City's total revenue changed from $176.33 million in 2014 to $293.57 million in 2024, a change of 66.5%.

How much debt does City have?

City's total liabilities were at $5.73 billion at the end of 2024, a 4.3% increase from 2023, and a 86.6% increase since 2014.

How much cash does City have?

In the past 10 years, City's cash and equivalents has ranged from $54.45 million in 2017 to $138.50 million in 2014, and is currently $117.58 million as of their latest financial filing in 2024.

How has City's book value per share changed over the last 10 years?

Over the last 10 years, City's book value per share changed from 25.68 in 2014 to 49.70 in 2024, a change of 93.5%.


Related Companies

This page (NASDAQ:CHCO) was last updated on 8/4/2025 by MarketBeat.com Staff
From Our Partners
Critical AI announcement set to ignite AI 2.0
I just put together an urgent new presentation that you need to see right away. In short: I believe we are...
Timothy Sykes | Sponsored
Wall Street Laughed. Now They're Buying.
For six months, I’ve been pounding the table on a major gold miner—while Twitter pundits laughed. But now, the...
Golden Portfolio | Sponsored
Think you missed gold’s boom? Think again
If you've been watching gold's historic run and wondering if it's too late… I've got good news. Because the...
Investors Alley | Sponsored
[Shocking New Report] U.S. Dollar To Crash?
The "Death Spiral" Threatening Your Savings But this time, it's not just Dalio ringing the alarm bells…
Goldco Precious Metals | Sponsored
BONUS GUIDE - Ben Stein Prepares For the Next Financial Crisis
With inflation high, debt soaring, and global tensions rising, a financial storm may be brewing. Economist ...
Create New Advertiser | Sponsored
Is Elon's empire crumbling?
The Tesla Shock Nobody Sees Coming While headlines scream "Tesla is doomed"... Jeff Brown has uncovered ...
Brownstone Research | Sponsored
Trump’s biggest move, misreported
The media and financial pundits are all misreading Trump’s actions. They think Trump wants to make Canada t...
Porter & Company | Sponsored
Market Crash Warning: How to Protect Your Wealth Before August 12th
China tariffs hit August 12—and experts warn a market meltdown may follow. A free guide from American Alter...
American Alternative | Sponsored