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City (CHCO) Financials

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$122.96 -0.99 (-0.80%)
Closing price 04:00 PM Eastern
Extended Trading
$122.95 -0.01 (-0.01%)
As of 04:46 PM Eastern
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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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 54 52 54 70 89 90 88 102 114 117 130
Consolidated Net Income / (Loss)		 54 52 54 70 89 90 88 102 114 117 130
Net Income / (Loss) Continuing Operations		 54 52 54 70 89 90 88 102 114 117 130
Total Pre-Tax Income 		83 77 91 88 113 111 111 127 143 145 161
Total Revenue		 182 178 190 199 230 237 225 252 290 294 314
Net Interest Income / (Expense)		 115 119 126 138 161 155 156 180 219 220 236
Total Interest Income		 127 132 143 164 198 178 165 190 271 306 321
Loans and Leases Interest Income		 115 118 126 142 170 150 137 147 213 242 252
Investment Securities Interest Income		 12 14 17 20 26 27 28 39 52 57 63
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 5.68
Total Interest Expense		 12 13 17 26 36 24 9.89 9.66 52 86 85
Deposits Interest Expense		 11 12 15 21 33 23 9.41 7.44 37 65 65
Short-Term Borrowings Interest Expense		 0.33 0.47 1.21 3.42 3.49 0.99 0.49 2.21 12 16 13
Long-Term Debt Interest Expense		 0.62 0.68 0.77 0.88 0.18 0.10 0.00 0.00 2.71 6.16 6.29
Total Non-Interest Income		 67 59 64 61 68 83 70 72 71 73 78
Net Realized & Unrealized Capital Gains on Investments		 13 3.51 4.48 -0.09 0.96 -0.80 0.31 0.00 -4.91 -2.83 -0.40
Other Non-Interest Income		 3.37 52 56 61 68 83 69 72 76 76 78
Provision for Credit Losses		 6.99 4.40 3.01 -2.31 -1.25 11 -3.17 0.47 3.24 1.82 -1.40
Total Non-Interest Expense		 93 96 96 113 118 115 117 124 144 147 154
Salaries and Employee Benefits		 48 51 51 54 62 62 62 67 73 76 79
Net Occupancy & Equipment Expense		 16 17 17 17 20 20 21 21 21 22 24
Marketing Expense		 2.45 2.61 2.91 2.97 3.34 2.78 3.09 3.41 3.11 3.82 3.08
Property & Liability Insurance Claims		 1.79 1.62 1.35 1.25 0.64 0.88 1.58 1.67 2.92 2.89 3.05
Other Operating Expenses		 24 24 23 24 31 29 30 31 38 42 45
Restructuring Charge		 0.60 0.00 0.00 13 0.80 0.00 0.00 0.27 5.15 0.00 0.00
Other Special Charges		 - - - - - 0.25 -0.06 0.06 0.03 0.25 0.26
Income Tax Expense		 28 25 36 18 24 22 23 25 29 27 31
Basic Earnings per Share		 $3.54 $3.46 $3.49 $4.50 $5.43 $5.55 $5.67 $6.81 $7.62 $7.91 $8.94
Weighted Average Basic Shares Outstanding		 15.12M 14.90M 15.41M 15.42M 16.31M 15.98M 15.38M 14.74M 14.82M 14.67M 14.35M
Diluted Earnings per Share		 $3.53 $3.45 $3.48 $4.49 $5.42 $5.55 $5.66 $6.80 $7.61 $7.89 $8.93
Weighted Average Diluted Shares Outstanding		 15.17M 14.91M 15.44M 15.44M 16.33M 16.00M 15.41M 14.74M 14.82M 14.67M 14.35M
Weighted Average Basic & Diluted Shares Outstanding		 15.30M 15.10M 15.60M 15.60M 16.50M 15.73M 15.07M 14.74M 14.82M 14.67M 14.35M
Cash Dividends to Common per Share		 $1.68 $1.72 $1.78 $1.98 $2.20 $2.29 $2.34 $2.50 $2.73 $3.01 $3.32

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 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 33 30 - 30 29 30 - 30 33 35 32
Consolidated Net Income / (Loss)		 33 30 - 30 29 30 - 30 33 35 32
Net Income / (Loss) Continuing Operations		 33 30 - 30 29 30 - 30 33 35 32
Total Pre-Tax Income 		41 38 - 37 36 37 - 37 41 44 40
Total Revenue		 76 73 - 72 74 76 - 75 78 81 80
Net Interest Income / (Expense)		 56 56 - 54 55 56 - 56 59 61 61
Total Interest Income		 68 70 - 74 76 78 - 77 80 82 81
Loans and Leases Interest Income		 52 56 - 59 59 61 - 61 63 65 64
Investment Securities Interest Income		 13 13 - 13 15 15 - 15 16 17 16
Deposits and Money Market Investments Interest Income		 2.59 1.27 - 1.57 1.92 1.42 - 1.80 1.64 0.83 1.40
Total Interest Expense		 12 15 - 19 21 22 - 22 21 21 21
Deposits Interest Expense		 8.57 11 - 14 16 17 - 17 16 16 16
Short-Term Borrowings Interest Expense		 2.96 2.99 - 3.62 3.90 3.79 - 3.17 3.31 3.20 3.49
Long-Term Debt Interest Expense		 0.65 1.03 - 1.42 1.57 1.59 - 1.55 1.57 1.59 1.59
Total Non-Interest Income		 20 17 - 18 19 20 - 19 19 20 20
Net Realized & Unrealized Capital Gains on Investments		 -0.29 -0.73 - -0.00 0.00 -0.01 - 0.00 0.15 0.04 -0.59
Other Non-Interest Income		 20 17 - 17 18 20 - 18 18 19 23
Provision for Credit Losses		 0.43 0.20 - -0.18 0.50 1.20 - 0.00 -2.00 -0.50 1.10
Total Non-Interest Expense		 35 35 - 36 37 38 - 38 39 38 40
Salaries and Employee Benefits		 18 18 - 19 19 19 - 19 20 20 20
Net Occupancy & Equipment Expense		 5.69 5.78 - 5.38 5.60 5.82 - 6.05 5.87 5.96 6.13
Marketing Expense		 0.97 0.79 - 0.87 0.97 1.08 - 0.87 0.96 0.67 0.58
Property & Liability Insurance Claims		 0.69 0.92 - 0.71 0.72 0.73 - 0.78 0.76 0.76 0.76
Other Operating Expenses		 8.95 9.21 - 9.83 11 11 - 11 11 11 12
Other Special Charges		 0.02 0.04 - 0.23 0.01 0.02 - -0.07 0.29 0.04 -0.01
Income Tax Expense		 7.88 7.96 - 7.13 7.15 7.31 - 6.58 7.77 8.66 7.97
Basic Earnings per Share		 $2.16 $1.98 - $1.98 $1.96 $2.02 - $2.06 $2.29 $2.41 $2.18
Weighted Average Basic Shares Outstanding		 15.01M 14.83M 14.82M - 14.70M 14.70M 14.67M 14.48M 14.49M 14.41M 14.35M
Diluted Earnings per Share		 $2.16 $1.98 - $1.97 $1.96 $2.02 - $2.06 $2.29 $2.41 $2.17
Weighted Average Diluted Shares Outstanding		 15.01M 14.83M 14.82M - 14.70M 14.70M 14.67M 14.48M 14.49M 14.41M 14.35M
Weighted Average Basic & Diluted Shares Outstanding		 15.01M 14.83M 14.82M - 14.70M 14.70M 14.67M 14.48M 14.49M 14.41M 14.35M

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Net Change in Cash & Equivalents		 -78 18 -5.63 40 17 389 106 -435 -44 69 -33
Net Cash From Operating Activities		 48 65 76 78 105 90 102 116 138 132 131
Net Cash From Continuing Operating Activities		 48 65 76 78 105 90 102 116 138 132 131
Net Income / (Loss) Continuing Operations		 54 52 54 70 89 90 88 102 114 117 130
Consolidated Net Income / (Loss)		 54 52 54 70 89 90 88 102 114 117 130
Provision For Loan Losses		 6.99 4.40 3.01 -2.31 -1.25 11 -3.17 0.47 3.24 1.82 -1.40
Depreciation Expense		 6.09 6.24 5.88 5.09 5.00 5.79 5.83 5.33 4.56 4.22 4.29
Amortization Expense		 -4.59 0.84 1.01 1.28 0.70 4.88 8.78 10 6.17 8.98 6.89
Non-Cash Adjustments to Reconcile Net Income		 -4.86 -1.57 12 -3.19 4.76 -15 -0.42 0.73 -0.83 3.01 0.25
Changes in Operating Assets and Liabilities, net		 -9.83 3.05 0.04 6.70 6.48 -6.04 3.16 -3.24 10 -3.23 -9.14
Net Cash From Investing Activities		 -184 -261 -172 -168 -109 -285 -191 -410 15 -252 -270
Net Cash From Continuing Investing Activities		 -184 -261 -172 -168 -109 -285 -191 -410 15 -252 -270
Purchase of Property, Leasehold Improvements and Equipment		 -3.01 -5.52 -6.57 -10 -4.73 -5.54 -3.32 -2.14 -2.96 -2.71 -2.92
Purchase of Investment Securities		 -286 -380 -273 -271 -281 -468 -561 -623 -325 -443 -559
Sale of Property, Leasehold Improvements and Equipment		 0.14 0.84 3.06 3.88 2.29 1.02 0.37 0.19 0.28 0.10 0.04
Divestitures		 15 - - 33 - - 0.00 0.00 14 0.00 0.00
Sale and/or Maturity of Investments		 89 123 104 97 174 192 376 217 337 206 302
Other Investing Activities, net		 - - - 0.00 - -4.89 -2.89 -3.35 -8.05 -12 -9.89
Net Cash From Financing Activities		 58 214 90 131 21 584 195 -140 -196 189 105
Net Cash From Continuing Financing Activities		 58 214 90 131 21 584 195 -140 -196 189 105
Net Change in Deposits		 71 148 84 188 127 577 273 -55 -234 210 157
Issuance of Debt		 15 93 3.91 7.67 -51 85 0.00 0.00 100 50 0.00
Repayment of Debt		 - 0.00 0.00 -16 -0.88 -4.06 17 -21 37 -9.20 42
Repurchase of Common Equity		 -7.06 -10 0.00 -20 -19 -36 -59 -26 -60 -18 -46
Payment of Dividends		 -25 -26 -27 -30 -36 -37 -36 -37 -40 -43 -47
Other Financing Activities, Net		 4.88 1.16 0.73 1.66 0.53 -0.43 -0.13 0.04 1.07 0.06 -0.74
Cash Interest Paid		 - - - - - - 11 9.47 49 84 86
Cash Income Taxes Paid		 - - - - - - 18 22 33 28 36

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 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Net Change in Cash & Equivalents		 - -121 46 162 - 76 -69 159 -213 53 -34
Net Cash From Operating Activities		 - 37 34 32 - 38 34 32 28 37 34
Net Cash From Continuing Operating Activities		 - 37 34 32 - 38 34 32 28 37 34
Net Income / (Loss) Continuing Operations		 - 30 27 30 - 30 29 30 33 35 32
Consolidated Net Income / (Loss)		 - 30 27 30 - 30 29 30 33 35 32
Provision For Loan Losses		 - 0.20 -0.30 -0.18 - 1.20 0.30 0.00 -2.00 -0.50 1.10
Depreciation Expense		 - 1.10 1.10 1.07 - 1.04 1.06 1.05 1.05 1.05 1.14
Amortization Expense		 - 1.79 -0.33 1.92 - 1.76 3.28 2.09 2.53 0.91 1.37
Non-Cash Adjustments to Reconcile Net Income		 - -0.01 2.94 1.32 - -1.77 3.19 1.25 -0.90 -1.69 1.60
Changes in Operating Assets and Liabilities, net		 - 3.82 2.67 -1.48 - 5.61 -2.72 -3.21 -5.84 2.34 -2.44
Net Cash From Investing Activities		 - -75 -18 2.95 - -2.82 -119 13 -192 -10 -80
Net Cash From Continuing Investing Activities		 - -75 -18 2.95 - -2.82 -119 13 -192 -10 -80
Purchase of Property, Leasehold Improvements and Equipment		 - -0.67 -0.57 -0.60 - -0.65 -0.96 -0.25 -0.39 -1.54 -0.74
Purchase of Investment Securities		 - -26 -263 -15 - -14 -250 -30 -196 -176 -156
Sale of Property, Leasehold Improvements and Equipment		 - 0.00 - 0.05 - -0.00 0.01 0.05 - -0.01 0.01
Sale and/or Maturity of Investments		 - -46 233 25 - 14 134 46 5.93 172 78
Other Investing Activities, net		 - -2.43 -1.47 -5.77 - -2.11 -1.97 -2.79 -1.38 -4.48 -1.25
Net Cash From Financing Activities		 - -82 30 127 - 41 17 115 -49 26 12
Net Cash From Continuing Financing Activities		 - -82 30 127 - 41 17 115 -49 26 12
Net Change in Deposits		 - -70 -11 122 - 35 42 114 -9.65 8.78 43
Issuance of Debt		 - - - 50 - - - 0.00 - 43 -43
Repayment of Debt		 - 6.75 57 -30 - 16 -13 22 -8.08 -14 43
Repurchase of Common Equity		 - -9.77 -6.31 -3.65 - - - -9.46 -19 - -17
Payment of Dividends		 - -9.76 -11 -11 - -11 -12 -12 -12 -11 -13
Other Financing Activities, Net		 - - 1.07 0.06 - - -0.23 0.00 - - -0.74
Cash Interest Paid		 - 14 17 18 - 22 23 22 -22 - 86
Cash Income Taxes Paid		 - 8.85 6.65 2.51 - 6.77 6.30 0.00 - - 36

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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Total Assets		 3,714 3,984 4,132 4,899 5,019 5,759 6,004 5,878 6,168 6,459 6,722
Cash and Due from Banks		 59 62 54 55 89 77 102 70 123 118 152
Interest Bearing Deposits at Other Banks		 11 26 28 68 51 451 533 130 33 108 40
Trading Account Securities		 458 525 615 783 859 1,206 1,434 1,529 1,369 1,451 1,533
Loans and Leases, Net of Allowance		 2,843 3,026 3,109 3,572 3,605 3,598 3,526 3,629 -23 -22 -20
Allowance for Loan and Lease Losses		 19 20 19 16 12 25 18 17 23 22 20
Premises and Equipment, Net		 77 75 73 78 77 77 74 71 72 71 69
Intangible Assets		 80 79 79 123 120 119 117 116 163 160 158
Other Assets		 185 190 175 221 218 231 219 333 4,431 4,574 4,790
Total Liabilities & Shareholders' Equity		 3,714 3,984 4,132 4,899 5,019 5,759 6,004 5,878 6,168 6,459 6,722
Total Liabilities		 3,295 3,542 3,630 4,298 4,361 5,058 5,323 5,300 5,491 5,729 5,912
Non-Interest Bearing Deposits		 621 672 667 789 805 1,177 1,373 1,351 1,343 1,344 1,414
Interest Bearing Deposits		 2,463 2,559 2,649 3,186 3,271 3,475 3,552 3,518 3,591 3,800 3,887
Short-Term Debt		 142 184 198 222 211 296 312 291 310 326 368
Long-Term Debt		 29 81 70 4.05 4.06 - - 0.00 100 150 150
Other Long-Term Liabilities		 39 46 45 57 70 109 85 139 122 109 94
Total Equity & Noncontrolling Interests		 419 442 503 601 658 701 681 578 677 731 810
Total Preferred & Common Equity		 419 442 503 601 658 701 681 578 677 731 810
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		 419 442 503 601 658 701 681 578 677 731 810
Common Stock		 153 159 189 217 218 219 219 219 225 224 222
Retained Earnings		 391 417 444 486 539 590 642 707 780 853 935
Treasury Stock		 -120 -127 -125 -88 -105 -139 -194 -216 -218 -230 -271
Accumulated Other Comprehensive Income / (Loss)		 -3.83 -7.01 -5.64 -14 5.84 31 14 -131 -111 -116 -77

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 Q2 2025 Q3 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 6/30/2025 9/30/2025
Total Assets		 5,948 6,211 6,147 6,076 6,314 6,341 6,434 6,623 6,598 6,668
Cash and Due from Banks		 65 70 66 62 122 141 161 135 146 130
Interest Bearing Deposits at Other Banks		 233 233 165 49 197 77 133 250 26 96
Trading Account Securities		 1,514 1,481 1,478 1,416 1,378 1,488 1,494 1,447 1,592 1,541
Loans and Leases, Net of Allowance		 0.00 0.00 -23 -23 -22 -23 -22 -22 -20 -20
Allowance for Loan and Lease Losses		 - - 23 23 22 23 22 22 20 20
Premises and Equipment, Net		 72 73 73 73 72 71 71 70 69 70
Intangible Assets		 116 164 163 163 162 161 161 160 159 158
Other Assets		 3,948 4,189 4,253 4,365 4,406 4,426 4,437 4,584 4,626 4,693
Total Liabilities & Shareholders' Equity		 5,948 6,211 6,147 6,076 6,314 6,341 6,434 6,623 6,598 6,668
Total Liabilities		 5,399 5,560 5,511 5,466 5,632 5,655 5,693 5,867 5,834 5,869
Non-Interest Bearing Deposits		 1,429 1,421 1,373 1,333 1,359 1,355 1,340 1,366 1,383 1,377
Interest Bearing Deposits		 3,529 3,716 3,642 3,612 3,697 3,713 3,763 3,893 3,866 3,880
Short-Term Debt		 305 293 272 279 305 323 339 348 340 369
Long-Term Debt		 - - 100 100 150 150 150 150 150 150
Other Long-Term Liabilities		 137 130 124 142 121 115 101 110 95 92
Commitments & Contingencies		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests		 548 651 636 610 682 687 741 756 764 799
Total Preferred & Common Equity		 548 651 636 610 682 687 741 756 764 799
Preferred Stock		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Common Equity		 548 651 636 610 682 687 741 756 764 799
Common Stock		 218 225 224 225 223 222 223 222 220 221
Retained Earnings		 686 722 744 763 799 818 836 871 893 916
Treasury Stock		 -210 -179 -202 -211 -219 -231 -231 -237 -254 -254
Accumulated Other Comprehensive Income / (Loss)		 -145 -116 -130 -167 -122 -122 -87 -100 -95 -84

Annual Metrics And Ratios for City

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

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 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 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $3.54 $3.46 $3.49 $4.50 $5.43 $5.55 $5.67 $6.81 $7.62 $7.91 $8.94
Adjusted Weighted Average Basic Shares Outstanding		 15.12M 14.90M 15.41M 15.42M 16.31M 15.98M 15.38M 14.85M 14.87M 14.67M 14.35M
Adjusted Diluted Earnings per Share		 $3.53 $3.45 $3.48 $4.49 $5.42 $5.55 $5.66 $6.80 $7.61 $7.89 $8.93
Adjusted Weighted Average Diluted Shares Outstanding		 15.17M 14.91M 15.44M 15.44M 16.33M 16.00M 15.41M 14.87M 14.89M 14.67M 14.35M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $5.43 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 14.98M 15.58M 15.51M 16.53M 16.28M 15.73M 15.07M 14.74M 14.82M 14.67M 14.35M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Quarterly Metrics And Ratios for City

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

Metric Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024 Q1 2025 Q2 2025 Q3 2025 Q4 2025
Period end date 6/30/2023 9/30/2023 12/31/2023 3/31/2024 6/30/2024 9/30/2024 12/31/2024 3/31/2025 6/30/2025 9/30/2025 12/31/2025
Growth Metrics		 - - - - - - - - - - -
Profitability Metrics		 - - - - - - - - - - -
Valuation Ratios		 - - - - - - - - - - -
Leverage & Solvency		 - - - - - - - - - - -
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Efficiency Ratios		 - - - - - - - - - - -
Capital & Investment Metrics		 - - - - - - - - - - -
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $2.16 $1.98 $0.00 $0.00 $1.96 $2.02 $0.00 $2.06 $2.29 $2.41 $2.18
Adjusted Weighted Average Basic Shares Outstanding		 14.99M 14.92M 14.82M 0.00 14.70M 14.70M 14.67M 14.48M 14.49M 14.41M 14.35M
Adjusted Diluted Earnings per Share		 $2.16 $1.98 $0.00 $0.00 $1.96 $2.02 $0.00 $2.06 $2.29 $2.41 $2.17
Adjusted Weighted Average Diluted Shares Outstanding		 15.01M 14.95M 14.82M 0.00 14.70M 14.70M 14.67M 14.48M 14.49M 14.41M 14.35M
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 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 15.01M 14.83M 14.82M 0.00 14.70M 14.70M 14.67M 14.48M 14.49M 14.41M 14.35M
Debt Service Ratios		 - - - - - - - - - - -
Payout Ratios		 - - - - - - - - - - -

Financials Breakdown Chart

Key Financial Trends

City Holding Co (CHCO) quarterly results through 2025 show solid earnings power with growth in core revenue and earnings per share, supported by a growing balance sheet and healthy operating cash flow. Here are the key trends based on CHCO’s latest four years of quarterly statements (through Q4 2025 and prior periods).

  • Net interest income rose through 2025, climbing from about $55.8 million in Q1 2025 to about $60.6 million in Q4 2025, reflecting a stronger net interest margin.
  • Total revenue expanded in 2025, reaching about $80.2 million in Q4 2025 versus roughly $74.6 million in Q1 2025, signaling top‑line growth across the year.
  • Diluted earnings per share (EPS) hit $2.41 in Q3 2025, indicating improved profitability per share during the year (subsequent quarters remained strong).
  • Cash dividends per share rose to $0.87 in Q3 2025 from $0.79 in Q2 2025, showing an increasing payout to shareholders.
  • Total equity grew from about $764.2 million in Q2 2025 to about $798.9 million in Q3 2025, strengthening the balance sheet’s capitalization.
  • Net cash from continuing operating activities remained positive in 2025, with CHCO generating about $37.3 million in Q3 2025 and $34.3 million in Q4 2025, reflecting ongoing cash generation from core operations.
  • Trading account securities on the balance sheet remained sizable (around $1.54 billion in Q3 2025), indicating substantial investment activity and liquidity resources.
  • Net income declined modestly from Q3 2025’s peak of approximately $35.2 million to about $31.6 million in Q4 2025, signaling some quarter‑to‑quarter profitability softness.
  • Non‑interest expenses rose to about $39.6 million in Q4 2025 from about $37.9 million in Q3 2025, signaling higher operating costs in the latest quarter.
  • CHCO ended Q4 2025 with a negative net change in cash of about $33.7 million for the quarter, indicating liquidity pressure on a quarterly basis despite positive operating cash flow.
05/07/26 12:40 AM ETAI Generated. May Contain Errors.

Frequently Asked Questions About City's Financials

When does City's fiscal year end?

According to the most recent income statement we have on file, City's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

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 $130.49 million in 2025, rising from $54.10 million in 2015. The previous period was $117.10 million in 2024. View City's forecast to see where analysts expect City to go next.

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

Over the last 10 years, City's total revenue changed from $182.45 million in 2015 to $314.17 million in 2025, a change of 72.2%.

How much debt does City have?

City's total liabilities were at $5.91 billion at the end of 2025, a 3.2% increase from 2024, and a 79.4% increase since 2015.

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 $152.11 million in 2025, and is currently $152.11 million as of their latest financial filing in 2025.


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Financial statements for NASDAQ:CHCO last updated on 2/27/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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