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City Holding (CHCO) earnings and revenue breakdown

Latest: Q3 2026 · 10-Q filed Nov 4, 2026 · City Holding (CHCO) Q3 2026 earnings results →

Q3 2026 Revenue up 3% year over year to $84.0M · 41¢ of every $1 of revenue kept as net profit · operating margin 51.4%

City Holding made $84.0M in Q3 2026 (+3% Y/Y): Net interest income $62.6M, Noninterest income $21.4M. Operating margin 51.4%, net earnings $34.6M. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Nov 4, 2026.

Revenue$84.0M
Year over year+3%
Operating margin51.4%
Net earnings$34.6M
Operating cash flow$35.8M

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $84.0M in Q3 2026, up 3% year over year and up 3% from the previous quarter. Net interest income was the largest line at 74% of revenue. Net interest income added $1.5M year over year (up 2%), 62% of the total change.

Operating profit was $43.2M, a 51.4% margin (down 2.3 points year over year). Operating profit fell $619K even though revenue rose $2.4M versus a year earlier, so costs grew faster than sales. Total costs grew 8% against revenue growth of 3%. Net earnings were $34.6M, down 2% year over year. The effective tax rate was 19.9%.

Operating cash flow was $35.8M (down 5% year over year), 103% of net earnings. Non-cash charges added back $1.1M of depreciation and $1.1M of share-based compensation. Capital expenditures of $697K left free cash flow of $35.1M.

Quarterly history

QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q3 202610-QNov 4, 2026$84.0M+3%51.4%$34.6M$35.8M

Charts

City Holding: where the cash came from (+) and went (−), TTM to Q3 2026City Holding: where the cash came from (+) and went (−), TTM to Q3 2026Other investing−$155MOperating cash flow$141MOther financing$99.8MBuybacks−$55.0MDividends−$49.8MCash drawn (+) / kept (−)$24.2MCapital spending−$3.0MNet borrowing (+) / repaid (−)−$1.6M
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
City Holding: profit against cash, quarter by quarterCity Holding: profit against cash, quarter by quarterNet incomeOperating cash flow$28.7M$33.8MQ4 2024$30.3M$31.5MQ1 2025$33.4M$28.1MQ2 2025$35.2M$37.6MQ3 2025$31.6M$34.2MQ4 2025$31.7M$38.0MQ1 2026$33.3M$32.6MQ2 2026$34.6M$35.8MQ3 2026
Latest (Q3 2026): Net income $34.6M, Operating cash flow $35.8M.
City Holding: diluted shares by fiscal yearCity Holding: diluted shares by fiscal year16MFY202015MFY202115MFY202215MFY202315MFY202414MFY2025
-9.5% since FY2020: buybacks shrank the count.
City Holding: long-term debt falling due (FY2025)City Holding: long-term debt falling due (FY2025)$50.0M2027$50.0M2028$50.0M2029
Cash $192M, short-term investments —, long-term debt $150M at 2025-12-31.
City Holding in its industry: growth against margin (68 companies, SIC 6021)City Holding in its industry: growth against margin (68 companies, SIC 6021)revenue growth, year over year →↑ operating marginmedian +8%median 37%JPMBACCWFCCOFUSBPNCTFCHBANKEYPNFPHSBC USA IncZIONUMBFWebster Financial CorpONBCFRVLYBOKFBANCFNBFHNFULTWSFSFFBCWSBCCBUPRKTRMKWAFDFRMENBTBCASHBANFOCFCNWBITBBKNICHOPEFCFDCOMNBHCBHRBAMTBWBHCALRSHAFCNEWTCACCBNKBFCFMCBWABCSHBIPFISCAREBCALSFSTMRBKFDBCFNLCFUNCLCNBATLOCFBKASRVNKSHCHCO (+3%, 51%)
National Commercial Banks; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

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💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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Customers and suppliers named in filings

Sells to

Buys from

About City Holding

City Holding Company (the "Company" or "City Holding" or the "Parent Company") is a financial holding company headquartered in Charleston, West Virginia. The Company conducts its principal activities through its wholly-owned subsidiary, City National Bank of West Virginia ("City National"). City National provides banking, wealth and investment management and other financial solutions through its network of 96 bank branches and 934 full-time equivalent associates located in West Virginia, Kentucky, Virginia and southeastern Ohio. The Company’s business activities are currently limited to one reportable business segment, which is community banking.

In its own words, from its 10-K, filed Feb 25, 2026.

City Holding against its National Commercial Banks peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +3% against the peers' median +6%. Operating margin: 51.4% against the peers' median 32.5%.

CompanyQuarterRevenueY/YOp. margin
CHCO City HoldingQ3 2026$84.0M+3%51.4%
JPM JPMorgan ChaseQ3 2026$50.2B+8%40.1%
BAC Bank of AmericaQ3 2026$30.0B+3%29.9%
C CitigroupQ3 2026$23.8B+8%30.6%
WFC Wells FargoQ3 2026$21.9B+2%32.5%
COF Capital One FinancialQ3 2026$16.3B+6%28.0%
USB US BancorpQ3 2026$8.0B+9%35.1%
PNC PNC Financial Services GroupQ3 2026$6.6B+11%40.0%
TFC Truist FinancialQ3 2026$3.7B-28%23.9%

Source: City Holding 10-Q on SEC EDGAR · CIK 726854 · National Commercial Banks

Guidance and outlook

City Holding: what its forward-looking statements are about (10-Q filed 2026-11-04)City Holding: what its forward-looking statements are about (10-Q filed 2026-11-04)Other3Financing2The economy2Supply chain1Costs1Buybacks & dividends1
10 statements; tone -0.30 (−1 all cautious, +1 all confident); 2 hedged.
City Holding: outlook statements against the filing beforeCity Holding: outlook statements against the filing beforeCautious3

13F: who owns CHCO and who is buying

Largest holders of CHCO (13F)Largest holders of CHCO (13F)BlackRock$270MVanguard Group$199MVanguard Portfolio Management LLC$127MState Street$101MVanguard Capital Management LLC$83.9MWestwood Holdings Group$72.0MCharles Schwab Investment Managem…$70.7MDimensional Fund Advisors LP$64.9MGeode Capital Management, LLC$49.5MCity Holding$31.9M
Funds' net buying of CHCO by quarter (13F)Funds' net buying of CHCO by quarter (13F)$2.0M2024-09$1.1M2024-12$12.6M2025-03−$11.8M2025-06−$29.8M2025-09−$51.7M2025-12−$33.9M2026-03$39.6M2026-06
Value of shares 13F filers added minus the value they sold, each quarter (quarters with most filings in).

More on CHCO

History

Every quarter: Q3 2026 results

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中文版：City Holding（CHCO）财报

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