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City Holding cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$35.1M in Q3 2026 · $138M over twelve months

Operating cash flow$35.8M
Capital spending−$697K
Free cash flow+$35.1M
Cash / net income1.0×

Analysis

In Q3 2026, City Holding generated $35.8M of operating cash flow and spent $697K on capital projects, leaving free cash flow of $35.1M. That is $914K less than in Q3 2025 ($36.0M).

Over the twelve months to Sep 30, 2026, operating cash flow was $141M; the largest uses were other investing ($155M), buybacks ($55.0M), dividends ($49.8M); besides operations, cash came from other financing ($99.8M); the cash balance fell by $24.2M.

Operating cash flow was $35.8M against net income of $34.6M — 1.0× profit, roughly in line with earnings. The largest differences: other liabilities +$5.8M, prepaid and other assets −$5.4M, depreciation & amortization +$1.1M.

Free cash flow

City Holding: free cash flow by quarterCity Holding: free cash flow by quarter$32.8MQ4 2024$31.3MQ1 2025$27.8MQ2 2025$36.0MQ3 2025$33.4MQ4 2025$37.3MQ1 2026$31.8MQ2 2026$35.1MQ3 2026
Operating cash flow less capital spending.
City Holding: operating cash flow against capital spendingCity Holding: operating cash flow against capital spendingOperating cash flowCapital spending$33.8M$956KQ4 2024$31.5M$253KQ1 2025$28.1M$388KQ2 2025$37.6M$1.5MQ3 2025$34.2M$743KQ4 2025$38.0M$726KQ1 2026$32.6M$823KQ2 2026$35.8M$697KQ3 2026
Latest (Q3 2026): Operating cash flow $35.8M, Capital spending $697K.

Capital allocation, year by year

City Holding: where the cash came from (up) and went (down), by fiscal yearCity Holding: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingBuybacksDividendsFY2021: Operating cash flow $102MFY2021: Net borrowing $16.5MFY2021: Shares issued $691KFY2021: Capital spending −$3.3MFY2021: Buybacks −$58.7MFY2021: Dividends −$36.1M$119MFY2021FY2022: Operating cash flow $116MFY2022: Net borrowing −$21.5MFY2022: Shares issued $798KFY2022: Capital spending −$2.1MFY2022: Buybacks −$26.4MFY2022: Dividends −$36.7M$117MFY2022FY2023: Operating cash flow $138MFY2023: Net borrowing $137MFY2023: Capital spending −$3.0MFY2023: Buybacks −$60.1MFY2023: Dividends −$40.0M$275MFY2023FY2024: Operating cash flow $132MFY2024: Net borrowing $40.8MFY2024: Capital spending −$2.7MFY2024: Buybacks −$17.9MFY2024: Dividends −$43.5M$173MFY2024FY2025: Operating cash flow $131MFY2025: Net borrowing $42.0MFY2025: Capital spending −$2.9MFY2025: Buybacks −$45.8MFY2025: Dividends −$47.3M$173MFY2025
Over these 5 years operating cash flow totalled $619M; the largest uses were buybacks ($209M) and dividends ($204M). Cash-flow statements as filed.

Where the cash came from and went

City Holding: sources (+) and uses (−) of cash, Q3 2026City Holding: sources (+) and uses (−) of cash, Q3 2026Other investing−$96.0MCash drawn (+) / kept (−)$65.8MOperating cash flow$35.8MOther financing$18.0MDividends−$12.2MNet borrowing (+) / repaid (−)−$10.3MCapital spending−$697KAsset & business sales−$297K
City Holding: sources (+) and uses (−) of cash, TTM to Q3 2026City Holding: sources (+) and uses (−) of cash, 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 profit to cash

City Holding: net income to operating cash flow, Q3 2026City Holding: net income to operating cash flow, Q3 2026Net income$34.6MDepreciation & amortization$1.1MStock-based pay$1.1MDeferred taxes$43KPrepaid and other assets−$5.4MOther liabilities$5.8MOperating cash flow$35.8M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 2026$35.8M−$697K—−$12.2M−$10.3M$65.8M$35.1M
Q2 2026$32.6M−$823K−$7.3M−$10.1M—$31.8M$31.8M
Q1 2026$38.0M−$726K−$30.9M−$14.8M$7.0M−$107M$37.3M
Q4 2025$34.2M−$743K−$16.9M−$12.6M−$1.3M$33.7M$33.4M
Q3 2025$37.6M−$1.5M—−$11.5M$29.0M−$53.5M$36.0M
Q2 2025$28.1M−$388K−$19.4M−$11.6M−$8.1M$213M$27.8M
Q1 2025$31.5M−$253K−$9.5M−$11.6M$21.9M−$159M$31.3M
Q4 2024$33.8M−$956K—−$11.6M−$13.5M$68.6M$32.8M

City Holding: income statement and cash flow

City Holding, Q3 2026: revenue $84.0M (+3% year over year), operating margin 51.4%. The chart follows the revenue to costs, profit and cash.

City Holding: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.