Filing Flows › City Holding (CHCO) › Q3 2026
City Holding (CHCO) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 4, 2026
City Holding (CHCO) reported revenue of $84.0M for the third quarter 2026 (Q3 2026), +3% from a year earlier and +3% from the quarter before. Operating margin was 51.4%, net earnings $34.6M (41.2% of revenue).
City Holding, Q3 2026: revenue $84.0M (+3% year over year), operating margin 51.4%, net earnings $34.6M, operating cash flow $35.8M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $84.0M | +3% | +3% |
| Operating profit | $43.2M | +5% | -1% |
| Net earnings | $34.6M | +4% | -2% |
| Operating cash flow | $35.8M | +10% | -5% |
| Free cash flow | $35.1M | +10% | -3% |
What changed
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.
Questions
What was City Holding's revenue in the third quarter 2026?
City Holding (CHCO) reported revenue of $84.0M for the third quarter 2026 (Q3 2026), +3% from a year earlier and +3% from the quarter before.
Was City Holding profitable in the third quarter 2026?
Operating profit was $43.2M (51.4% of revenue) and net earnings $34.6M.
Source: City Holding 10-Q on SEC EDGAR.