City Holding Company (CHCO) SEC Filings & Earnings Calls
EquiReason read 17 City Holding Company SEC filings in the last 12 months. Latest: 8-K on 2026-09-30 — Appointment of two new board members (Jessica R. Alsop and Vonda R. Huss) effective September 30, 2026, with standard non-employee director compensation..
Source: SEC EDGAR filings · figures as of 2026-06-30 · read by EquiReason
- Market cap
- 2.0B
- P/E TTM
- 15.5
- Dividend yield
- 2.5%
- 52-week
- —
- Next earnings
- 28 Oct, in 4 days
Every filing, read
last 12 months · SECWhat happened, the numbers inside, guidance and risks. The original is one click away.
30 Sep 20268-K · 8.01City Holding Company declared a $1.00 per common share cash dividend, a 15% increase from the prior $0.87 per share dividend paid in Q2 2026. Payable October 30, 2026 to shareholders of record October 15, 2026.open
Figures in the filing · each found in the filing text
| Dividend per share · Q3-2026 | $1.00 |
5 Aug 202610-QCity Holding Company reported Q2 2026 results with net income of $33.3 million, EPS of $2.35, and net interest margin expansion.earningsopen
Figures in the filing · each found in the filing text
| Net interest margin · H1-2026 | 4.0% | |
| Net interest income · H1-2026 | $120M | +5% y/y |
| Net income available to common shareholders · H1-2026 | $65M | +2% y/y |
| Diluted earnings per common share · H1-2026 | $4.55 | +5% y/y |
| Gross loans · Q2-2026 | $4.50B | -0% y/y |
| Total deposits · Q2-2026 | $5.34B | |
| Return on average assets (ROA) · H1-2026 | 1.9% | |
| Return on average equity (ROE) · H1-2026 | 16.1% | |
| Return on average tangible common equity (ROATCE) · H1-2026 | 20.0% | |
| Efficiency ratio · H1-2026 | 48.6% |
Risks flagged
Credit quality deterioration
“The Company recorded a provision for credit losses of $1.0 million for the six months ended June 30, 2026 compared to a recovery of credit losses of $1.8 million for the six months ended June 30, 2025” · word for word
Interest rate risk
“Estimated decrease in net income over 12 months of (12.4)% in a -300bp rate shock scenario.”
Commercial real estate concentration
“Commercial real estate loans $1.87 billion, 41.5% of total loans.”
22 Jul 20268-K · 2.02City Holding Company reported Q2 2026 net income of $33.3M ($2.35/diluted share); ROA 1.98%, ROTCE 20.7%; NIM stable at 3.97%; loan growth 0.2% QoQ; credit quality strong; declared $0.87 dividend; repurchased 59,156 shares.earningsopen
Figures in the filing · each found in the filing text
| Net income · Q2-2026 | $33M | |
| Earnings per diluted share · Q2-2026 | $2.35 | |
| Return on assets · Q2-2026 | 2.0% | |
| Return on tangible equity · Q2-2026 | 20.7% | |
| Net interest income · Q2-2026 | $61M | |
| Net interest margin · Q2-2026 | 4.0% | |
| Nonperforming assets to total loans and OREO · Q2-2026 | 0.2% | |
| Provision for credit losses · Q2-2026 | $400000.00 | |
| Non-interest income · Q2-2026 | $21M | +7% y/y |
| Non-interest expenses · Q2-2026 | $40M | +2% y/y |
Risks flagged
Modest loan growth; residential and consumer loans declining
“Residential real estate loans decreased $6.9M; consumer loans decreased $3.1M.”
Provision for credit losses increased QoQ and vs prior year recovery
“Provision for credit losses $0.4M vs recovery of $1.9M in Q2 2025 and provision of $0.6M in Q1 2026.”
28 May 20268-K · 8.01Dividend per share $0.87open
Figures in the filing · each found in the filing text
| dividend per share · Q2-2026 | $0.87 |
6 May 202610-QNet income available to common shareholders $32M (+5% y/y); Earnings per common share, diluted $2.20 (+7% y/y); Net interest income $60M (+7% y/y)open
Figures in the filing · each found in the filing text
| Net income available to common shareholders · Q1-2026 | $32M | +5% y/y |
| Earnings per common share, diluted · Q1-2026 | $2.20 | +7% y/y |
| Net interest income · Q1-2026 | $60M | +7% y/y |
| Net interest margin · Q1-2026 | 4.0% | |
| Return on average assets (ROA) · Q1-2026 | 1.9% | |
| Return on average equity (ROE) · Q1-2026 | 15.6% | |
| Gross loans · 2026-03-31 | $4.50B | +5% y/y |
| Total deposits · 2026-03-31 | $5.34B | |
| Allowance for credit losses · 2026-03-31 | $20M | -9% y/y |
| Provision for credit losses · Q1-2026 | $600000.00 |
Risks flagged
Interest rate sensitivity to declining rates
“Estimated decrease in net income over 12 months of -12.4% if rates decline 300bps.”
Concentrated commercial real estate exposure
“Commercial real estate loans $1.87B, including $395.9M in hotels and $227.7M in multi-family.”
23 Apr 20268-K · 2.02Net Income $32M; Diluted EPS $2.20; Return on Assets 1.92earningsopen
Figures in the filing · each found in the filing text
| Net Income · Q1-2026 | $32M | |
| Diluted EPS · Q1-2026 | $2.20 | |
| Return on Assets · Q1-2026 | 1.9% | |
| Return on Tangible Equity · Q1-2026 | 19.3% | |
| Net Interest Margin · Q1-2026 | 4.0% | |
| Total Loans · Q1-2026 | $4.50B | |
| Nonperforming Assets Ratio · Q1-2026 | 0.3% | |
| Tangible Equity · Q1-2026 | $637M | |
| Common Equity Tier 1 Ratio · Q1-2026 | 14.4% |
Risks flagged
Credit quality remains strong with low nonperforming assets; one commercial loan charge-off of $0.85M.
“Nonperforming assets ratio decreased to 0.27%; charge-off of $0.85 million on a movie theater loan.”
27 Mar 2026DEF 14AProxy statement for annual shareholder meeting, including election of directors and advisory vote on executive compensation.open
Figures in the filing · each found in the filing text
| Net income · FY2025 | $130M | +11% y/y |
| Return on Average Assets · FY2025 | 2.0% | |
| Return on Average Tangible Common Equity · FY2025 | 21.2% | |
| Efficiency ratio · FY2025 | 48.2% | |
| Net interest margin · FY2025 | 3.9% | |
| Commercial loan growth · FY2025 | 6.1% |
Risks flagged
Credit risk
“Cash incentive payments are subject to capital and asset quality triggers to discourage excessive risk-taking” · word for word
26 Mar 20268-K · 8.01City Holding Company declared a $0.87 dividend and authorized a buyback of up to 1,000,000 common shares with no time limit.open
Figures in the filing · each found in the filing text
| Dividend per share · Q2-2026 | $0.87 | |
| Buyback authorization shares · Q2-2026 | 1,000,000 |
25 Feb 202610-KNet income available to common shareholders $130M (+11% y/y); Earnings per common share, diluted $8.93 (+13% y/y); Gross loans $4.51B (+5% y/y); Guidance: dividend expected to approximate $50.0 million on an annualized basis for 2026 at a dopen
Figures in the filing · each found in the filing text
| Net income available to common shareholders · FY2025 | $130M | +11% y/y |
| Earnings per common share, diluted · FY2025 | $8.93 | +13% y/y |
| Gross loans · FY2025 | $4.51B | +5% y/y |
| Total deposits · FY2025 | $5.30B | +3% y/y |
| Net interest margin · FY2025 | 3.9% | |
| Return on average assets (ROA) · FY2025 | 2.0% | |
| Return on average equity (ROE) · FY2025 | 16.9% | |
| Return on average tangible common equity (ROATCE) · FY2025 | 21.2% | |
| Book value per share · FY2025 | $56.41 | +14% y/y |
| Cash dividends declared per share · FY2025 | $3.32 | +10% y/y |
Guidance
dividend expected to approximate $50.0 million on an annualized basis for 2026 at a dividend rate of $3.48 per share
Management reaffirms dividend guidance and expects continued strong capital position.
Risks flagged
Interest rate risk
“Federal Reserve Board monetary policies have had a significant effect on the operating results of banks and bank holding companies in the past and are expected to continue to do so in the future.” · word for word
Credit risk
“The allowance for credit losses is a valuation account that is deducted from the loans' amortized cost basis to present the net amount expected to be collected on the loans.” · word for word
Regulatory compliance cost
“The Company is subject to various federal and state laws and regulations, including those related to capital adequacy, consumer protection, and cybersecurity.”
21 Jan 20268-K · 2.02Net income $130M; diluted earnings per share $8.93; net interest income $236M (+7% y/y)earningsopen
Figures in the filing · each found in the filing text
| net income · FY2025 | $131M | |
| diluted earnings per share · FY2025 | $8.93 | |
| net interest income · FY2025 | $236M | +7% y/y |
| net interest margin · FY2025 | 3.9% | |
| return on assets · FY2025 | 2.0% | |
| return on tangible equity · FY2025 | 21.2% | |
| nonperforming assets to total loans · Q4-2025 | 0.3% | |
| provision for credit losses · Q4-2025 | $1M | |
| non-interest income · FY2025 | $78M |
Risks flagged
Net interest margin declined sequentially from 4.04% to 3.94% due to swap maturities, but expected to be offset by loan growth.
“net interest margin decreased from 4.04% for the third quarter of 2025 to 3.94% for the fourth quarter of 2025” · word for word
3 Dec 20258-K · 8.01Dividend per share $0.87open
Figures in the filing · each found in the filing text
| dividend per share · Q1-2026 | $0.87 |
5 Nov 202510-QCity Holding Company reported Q3 2025 net income of $35.2M, up 18% YoY, driven by net interest margin expansion and a recovery of credit losses.earningsopen
Figures in the filing · each found in the filing text
| Net interest income · Q3-2025 | $61M | +10% y/y |
| Net income available to common shareholders · Q3-2025 | $35M | +18% y/y |
| Gross loans · 2025-09-30 | $4.41B | |
| Total deposits · 2025-09-30 | $5.26B | |
| Allowance for credit losses · 2025-09-30 | $20M | |
| Net interest margin · Q3-2025 | 4.0% | |
| Return on average assets (ROA) · Q3-2025 | 2.1% | |
| Return on average equity (ROE) · Q3-2025 | 17.9% | |
| Basic earnings per share · Q3-2025 | $2.41 | +19% y/y |
Risks flagged
Interest Rate Sensitivity
“The Company's net income is estimated to decrease by 10.2% in a -300 basis point immediate parallel shock scenario.”
Unrealized Losses on Securities
“Gross unrealized losses on available-for-sale securities were $116.2 million at September 30, 2025.”
City Holding Company — questions
- What did City Holding Company file recently?
- 17 SEC filings in the last 12 months. Latest: 8-K on 2026-09-30 — Appointment of two new board members (Jessica R. Alsop and Vonda R. Huss) effective September 30, 2026, with standard non-employee director compensation.
Every figure on this page comes from City Holding Company's own SEC filings — see them on SEC EDGAR. Price data is licensed and shown only inside the product.
How these figures are read: methodology · EquiReason.