NASDAQ$CHCO

City Holding Company · Q1 2024 earnings

Q1 2024 earnings · · Investor relations

Briefing

City Holding Company reported net income of $29.5 million and diluted earnings of $1.97 per share.

City Holding Company announced a net income of $29.5 million and diluted earnings of $1.97 per share for the quarter ended March 31, 2024. The company's return on assets was 1.92%, and the return on tangible equity reached 22.7%.

  • Net interest income decreased by 0.4% to $54.4 million compared to the previous quarter.
  • Non-interest income was $17.9 million, compared to $18.7 million during the quarter ended March 31, 2023.
  • Non-interest expenses decreased by 7.1% to $35.9 million compared to the first quarter of 2023.
  • Loans declined by $34.1 million (0.8%) from December 31, 2023, to $4.09 billion at March 31, 2024.

Headline financials

Total Revenue

$72.4M

Previous: $72.1M+0.3%
EPS

$1.97

Previous: $1.63+20.9%
ROAA

1.9%

No prior period
ROATE

22.7%

No prior period
Non-Interest Income %

25.0%

No prior period
P/E Ratio

13.17

No prior period
Avg Equity to Assets

11.1%

No prior period
Tangible Equity Ratio

8.5%

No prior period
CHCO CET I

16.1%

No prior period
CHCO Tier I

16.1%

No prior period
CHCO Total Capital

16.7%

No prior period
CNB CET I

14.6%

No prior period
CNB Tier I

14.6%

No prior period
CNB Total Capital

15.1%

No prior period
CNB Leverage Ratio

9.4%

No prior period
NPAs to Loans+OREO

0.3%

No prior period
Net Charge-Off Ratio

0.0%

No prior period
Capital Expenditures

-$596K

Previous: -$616K+3.2%
Free Cash Flow

$28.9M

Previous: $23.7M+21.9%
Net Income

$29.5M

Previous: $24.3M+21.3%
Operating Income

$47.1M

Previous: $50M-5.6%
Gross Profit

$72.2M

Previous: $69.2M+4.3%
Cash & Equivalents

$319M

Previous: $303M+5.2%
Total Assets

$6.31B

Previous: $6.21B+1.7%
Stock-Based Comp

$1.1M

Previous: $1.09M+0.6%

Revenue & EPS history

City Holding · Revenue · Quarterly

$72.4M

Q1 2024+0.3%vs Q1 2023
Beat estimate in 7 of 15 quarters(47%)
ActualEstimate

Revenue by segment

City Holding · $48M total across 5 segments · Q1 2020

  • Comm/Ag Loans
    $20.5M
  • Residential RE
    $19.9M
  • Taxable Securities
    $5.87M
  • Tax-Exempt Securities
    $895K
  • Installment Loans
    $863K

Forward guidance

This news release contains certain forward-looking statements that are included pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995. Forward-looking statements express only management’s beliefs regarding future results or events and are subject to inherent uncertainty, risks, and changes in circumstances, many of which are outside of management’s control.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q1 2024

Historical avgQ1 2024

+1.2%

Avg return

Earnings day

+1.1%

Avg return

5 days after

+2.5%

Avg return

30 days after

65%

43 / 66 earnings

Positive

+6.7%

Q1 2017

Best reaction

-4.8%

Q2 2015

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026-0.6%+1.2%+0.1%
Q4 2025+1.9%-0.3%+2.6%
Q3 2025+1.5%-0.2%+1.5%
Q2 2025-0.7%-0.8%+1.4%
Q1 2025+0.7%+0.3%+1.3%
Q4 2024-0.1%+0.1%-1.4%
Q3 2024-1.0%+1.1%+13.2%
Q2 2024-1.7%+1.0%-6.0%
Q1 2024+2.5%+0.6%-2.0%
Q4 2023-1.3%+0.5%-4.9%
Q3 2023+1.1%+3.7%+9.9%
Q2 2023+1.8%+2.4%-5.9%
Q1 2023-2.1%+1.4%-1.7%
Q4 2022+2.3%+2.9%+10.5%
Q3 2022+4.3%+5.9%+3.2%
Q2 2022+0.2%+2.7%+9.4%
Q1 2022-0.5%-2.4%+0.9%
Q4 2021-0.8%-2.3%-6.1%
Q3 2021+4.6%+3.7%+3.3%
Q2 2021-0.3%+1.6%+6.8%
Q1 2021+0.0%+1.7%+4.1%
Q4 2020+3.6%-3.4%+8.4%
Q3 2020+4.1%+1.2%+12.9%
Q2 2020+0.5%-0.7%-0.2%
Q1 2020+4.4%-5.1%-5.2%
Q4 2019+0.8%+0.3%-9.0%
Q3 2019-0.2%-0.6%+0.9%
Q2 2019+1.3%+4.7%+2.5%
Q1 2019+1.9%-1.5%-2.6%
Q4 2018+3.0%+3.0%+13.7%
Q3 2018-0.7%-1.0%+5.1%
Q2 2018+2.9%+4.5%+6.1%
Q1 2018+3.5%+4.3%+3.8%
Q4 2017+0.2%+1.1%+0.4%
Q3 2017-1.7%-1.9%-6.6%
Q2 2017+4.7%+0.8%-4.7%
Q1 2017+6.7%+5.4%-3.4%
Q4 2016+3.8%+3.4%+2.5%
Q3 2016+5.8%+5.5%+25.6%
Q2 2016+1.9%+1.0%+8.4%
Q1 2016+2.6%
Q4 2015+1.9%
Q3 2015-2.2%
Q2 2015-4.8%
Q1 2015-1.8%
Q4 2014+2.4%
Q3 2014-1.8%
Q2 2014-0.3%
Q1 2014+3.0%
Q4 2011+0.5%
Q4 2013-0.3%
Q3 2013+1.8%
Q2 2013+2.8%
Q1 2013-0.1%
Q4 2012+3.9%
Q3 2012+1.8%
Q2 2012+0.3%
Q1 2011-0.3%
Q1 2012+2.5%
Q4 2009+0.5%
Q3 2010-4.1%
Q3 2011-4.1%
Q2 2011+5.0%
Q4 2010+5.0%
Q2 2010+5.0%
Q1 2010+4.3%

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