10-K · February 25, 2026
City Holding Company (City National) is a single-segment community bank operating 96 branches with 934 FTEs across WV, KY, VA and southeastern OH. Loan portfolio growth and margin expansion in 2025 drove higher EPS…
Earnings analysis · 10-Q
CHCO earnings analysis
Filed May 6, 2026 · Our reading of the company's report
The latest report
In Q1 2026, City Holding Company (NASDAQ: CHCO) reported a diluted EPS of $2.20, beating expectations by $0.05, while revenue was $79.25 million, slightly missing estimates by $1.46 million. The company's management…
Read full summary
In Q1 2026, City Holding Company (NASDAQ: CHCO) reported a diluted EPS of $2.20, beating expectations by $0.05, while revenue was $79.25 million, slightly missing estimates by $1.46 million. The company's management highlights changes in loan balances and interest earnings as key drivers, despite challenges with credit losses. A share repurchase program was also approved, marking a strategic move to enhance shareholder value.
How we read each report
Our analysis across the last few reports.
Our model's reading of each filing, not the share price or the market's reaction. Annual and quarterly reports each occupy one position.
Reported figures
- Earnings per share
- $2.2
What stood out
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EPS Beats Expectations
Diluted EPS for Q1 2026 was $2.20, surpassing estimates of $2.15 by $0.05.
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Revenue Trends
Revenue for Q1 2026 was reported at $79.25 million, slightly below estimates of $79.37 million.
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Net Interest Income Gain
Net interest income increased to $59.62 million in Q1 2026, up from $55.82 million in Q1 2025.
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Increase in Cash Reserves
Cash and cash equivalents rose by $107.1 million, or 55.8%, from $191.9 million at year-end 2025.
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Management Announces Share Repurchase
A share repurchase program up to 1 million shares was authorized in March 2026.
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Stable EPS Year-over-Year
EPS maintained at $2.20 in Q1 2026, compared to $2.06 in Q1 2025.
What to watch
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Loan Portfolio Decrease
Gross loans decreased by $11.3 million, or 0.3%, from December 31, 2025 to March 31, 2026.
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Provision for Credit Losses
A provision for credit losses of $0.6 million was recorded in Q1 2026 compared to no provision in Q1 2025.
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Decline in Noninterest Income
Noninterest income increased only slightly by $0.9 million, which could signal slowed growth.
Management's outlook
No numeric forward guidance was provided, though management mentioned strategic focuses for upcoming quarters.
Earlier filings 4
10-Q · November 5, 2025
City Holding (CHCO) reported Q3 2025 net income available to common shareholders of $35,188,000 (diluted EPS $2.41), up from $29,809,000 (EPS $2.02) in Q3 2024. Total revenue (net interest income plus non‑interest…
10-Q · August 6, 2025
City Holding Company reported Q2 2025 diluted EPS of $2.29 and net income available to common shareholders of $33,387,000, up from $1.96 and $29,115,000 in Q2 2024. Total revenue (net interest income + non‑interest…
10-K · February 26, 2025
City Holding Company presents a single-segment community banking franchise operating through City National with 97 branches and 941 full-time equivalent associates. The 10-K highlights a loan portfolio heavily weighted…
This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.