NASDAQ$CHCO

City Holding Company · Q1 2025 earnings

Q1 2025 earnings · · Before market open · Investor relations

Briefing

City Holding Company reported Q1 2025, net income of $30.3M, diluted EPS of $2.06.

For Q1 2025, City Holding Company reported net income of $30.3M, diluted EPS was $2.06. The filing highlights segment performance, liquidity, and management commentary on the period.

  • Net income $30.3M.
  • Diluted EPS $2.06.
  • City Holding Company discusses capital allocation and near-term priorities in MD&A.

Headline financials

Total Revenue

$77.4M

Previous: $72.4M+6.9%
EPS (adj)

$2.06

Previous: $1.97+4.6%
Net Interest Margin

3.8%

No prior period
Efficiency Ratio

49.6%

No prior period
ROAA

1.9%

Previous: 1.9%-1.6%
ROATE

20.7%

Previous: 22.7%-8.8%
Non-Interest Income %

25.1%

Previous: 25.0%+0.4%
P/E Ratio

14.26

Previous: 13.17+8.3%
Avg Equity to Assets

11.6%

Previous: 11.1%+4.2%
Tangible Equity Ratio

9.2%

Previous: 8.5%+9.1%
CHCO CET I

16.8%

Previous: 16.1%+4.3%
CHCO Tier I

16.8%

Previous: 16.1%+4.3%
CHCO Total Capital

17.4%

Previous: 16.7%+4.0%
CNB CET I

14.4%

Previous: 14.6%-1.5%
CNB Tier I

14.4%

Previous: 14.6%-1.5%
CNB Total Capital

14.9%

Previous: 15.1%-1.6%
CNB Leverage Ratio

9.2%

Previous: 9.4%-2.4%
NPAs to Loans+OREO

0.4%

Previous: 0.3%+35.7%
Net Charge-Off Ratio

0.0%

Previous: 0.0%+0.0%
Loan Loss Allowance %

0.5%

No prior period
Past Due Loan %

0.2%

No prior period
Leverage Ratio

10.8%

No prior period
Capital Expenditures

-$253K

Previous: -$596K+57.6%
Net Income

$30.3M

Previous: $29.5M+2.8%
Operating Income

$36.9M

Previous: $47.1M-21.7%

Revenue & EPS history

City Holding · Revenue · Quarterly

$77.4M

Q1 2025+6.9%vs Q1 2024
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

Management discusses operating priorities, capital allocation, and sector risks in the quarterly filing.

Tailwinds

  • Headline results and segment trends anchor the quarter.
  • Liquidity and balance-sheet capacity support operations.
  • Strategic initiatives outlined in MD&A.

Headwinds

  • Macro, rates, or input costs may pressure margins.
  • One-time items affect year-over-year comparability.
  • Execution risk on growth or restructuring plans.

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 2025

Historical avgQ1 2025

+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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