City Holding Company (CHCO) Earnings History
Growth Compounder37 years of earnings data (1989–2025) · Consistent double-digit EPS growth over 5 years
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City Holding Company (CHCO) Earnings Overview
As of July 8, 2026, City Holding Company (CHCO) reported trailing twelve-month net income of $132M, reflecting +13.3% year-over-year growth. The company earned $9.24 per diluted share over the past four quarters, with a net profit margin of 33.3%.
Looking at the long-term picture, CHCO's 5-year EPS compound annual growth rate (CAGR) stands at +10.0%, showing solid earnings momentum. The company achieved its highest annual net income of $130M in fiscal 2025, representing a new all-time high.
City Holding Company maintains industry-leading profitability with a gross margin of 79.0%, operating margin of 41.5%, and net margin of 33.3%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including FFIN ($264M net income, 30.7% margin), WSFS ($308M net income, 21.1% margin), SFNC (-$361M net income, -63.4% margin), CHCO has outperformed on profitability metrics. Compare CHCO vs FFIN →
CHCO Earnings vs Peers
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CHCO Historical Earnings Data (1989–2025)
37 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $130M | +11.4% | $163M | $8.94 | 33.3% | 41.5% |
| 2024 | $117M | +2.4% | $145M | $7.89 | 31.5% | 38.9% |
| 2023 | $114M | +12.0% | $143M | $7.61 | 34.2% | 42.8% |
| 2022 | $102M | +15.9% | $127M | $6.80 | 39.9% | 49.8% |
| 2021 | $88M | -1.7% | $111M | $5.66 | 38.5% | 48.6% |
| 2020 | $90M | +0.3% | $111M | $5.55 | 35.1% | 43.6% |
| 2019 | $89M | +27.6% | $113M | $5.42 | 34.3% | 43.5% |
| 2018 | $70M | +28.9% | $88M | $4.53 | 31.8% | 40.0% |
| 2017 | $54M | +4.2% | $91M | $3.48 | 26.8% | 44.8% |
| 2016 | $52M | -3.6% | $77M | $3.45 | 27.9% | 41.4% |
| 2015 | $54M | +2.1% | $83M | $3.53 | 30.2% | 46.1% |
| 2014 | $53M | +9.8% | $77M | $3.38 | 28.7% | 41.9% |
| 2013 | $48M | +23.8% | $73M | $3.06 | 24.9% | 38.0% |
| 2012 | $39M | -4.3% | $59M | $2.61 | 23.6% | 35.9% |
| 2011 | $41M | +4.4% | $61M | $2.67 | 24.6% | 37.0% |
| 2010 | $39M | -8.6% | $57M | $2.47 | 23.1% | 34.0% |
| 2009 | $43M | +51.7% | $63M | $2.68 | 22.5% | 33.4% |
| 2008 | $28M | -44.9% | $38M | $1.74 | 13.5% | 18.1% |
| 2007 | $51M | -4.1% | $77M | $3.01 | 23.9% | 36.0% |
| 2006 | $53M | +5.8% | $82M | $2.99 | 25.3% | 38.8% |
| 2005 | $50M | +8.5% | $77M | $2.84 | 27.1% | 41.3% |
| 2004 | $46M | +6.1% | $71M | $2.75 | 28.4% | 43.3% |
| 2003 | $44M | +34.6% | $66M | $2.58 | 27.8% | 42.0% |
| 2002 | $32M | +224.8% | $49M | $1.90 | 19.9% | 30.2% |
| 2001 | -$26M | +32.2% | -$13M | $-1.54 | -11.8% | -5.7% |
| 2000 | -$38M | -717.6% | -$54M | $-2.27 | -15.7% | -22.2% |
| 1999 | $6M | +19.5% | $8M | $0.37 | 2.4% | 3.2% |
| 1998 | $5M | -80.2% | $12M | $0.31 | 1.9% | 4.3% |
| 1997 | $26M | +23.5% | $41M | $1.60 | 12.8% | 19.8% |
| 1996 | $21M | +144.8% | $33M | $1.34 | 12.1% | 18.6% |
| 1995 | $9M | +24.3% | $13M | $1.55 | 10.7% | 15.8% |
| 1994 | $7M | +27.3% | $10M | $1.19 | 11.7% | 17.1% |
| 1993 | $6M | +10.0% | $8M | $1.01 | 11.9% | 17.5% |
| 1992 | $5M | +66.7% | $7M | $0.95 | 12.5% | 18.0% |
| 1991 | $3M | +7.1% | $4M | $0.72 | 9.0% | 13.3% |
| 1990 | $3M | +7.7% | $4M | $0.66 | 8.9% | 12.1% |
| 1989 | $3M | - | $3M | $0.59 | 8.9% | 11.0% |
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CHCO — Frequently Asked Questions
Quick answers to the most common questions about buying CHCO stock.
What is CHCO earnings per share (EPS)?
CHCO trailing twelve-month (TTM) diluted EPS is $9.24, reflecting +13.3% year-over-year growth. The 5-year EPS CAGR is +10.0%. Complete EPS history from 1989 to 2025 is available in the table on this page.
What is City Holding Company's net income?
City Holding Company (CHCO) trailing twelve-month net income is $132M as of 2025. Earnings grew +13.3% year-over-year. City Holding Company has been profitable for 24 consecutive years.
Is CHCO profitable?
Yes, CHCO is profitable with a TTM net income of $132M and a net profit margin of +33.3%. City Holding Company has generated profits for 24 consecutive years.
What is CHCO's earnings growth rate?
CHCO compound annual EPS growth rates (CAGR): 1-Year: +13.3%, 3-Year: +9.5%, 5-Year: +10.0%, 10-Year: +9.7%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1989 to 2025.
What are CHCO's profit margins?
City Holding Company net profit margin is +33.3%, operating margin is +41.5%, and gross margin is +79.0%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +16.9%.
Is CHCO growing earnings?
CHCO is growing earnings steadily. YoY EPS growth of +13.3% is consistent with the 5-year CAGR of +10.0%. TTM net income is $132M.
What was CHCO's best earnings year?
City Holding Company's highest annual net income on record is $130M, achieved in fiscal year 2025. Earnings history on this page spans 1989 to 2025 and includes all annual and quarterly figures.
What were CHCO's earnings last quarter?
CHCO's most recent reported quarter was Q1 2026. Net income was $32M with diluted EPS of $2.20. For a full breakdown of all quarters, see the quarterly earnings table on this page.