NASDAQ$CHCO

City Holding Company · Q2 2024 earnings

Q2 2024 earnings · · Investor relations

Briefing

Announced quarterly results with net income of $29.1 million and diluted earnings of $1.96 per share.

City Holding Company reported a net income of $29.1 million and diluted earnings per share of $1.96 for the quarter ended June 30, 2024. The company's net interest income increased slightly, and it achieved a return on assets of 1.85% and a return on tangible equity of 22.2%.

  • Net income for the quarter was $29.1 million, with diluted earnings of $1.96 per share.
  • Net interest income increased by $0.2 million, or 0.4%, to $54.6 million.
  • Non-interest income was $18.9 million, a decrease compared to the same quarter last year.
  • Loans increased by $21.1 million (0.5%) to $4.11 billion.

Headline financials

Total Revenue

$73.5M

Previous: $75.8M-3.0%
EPS (adj)

$1.96

Previous: $2.16-9.3%
Capital Expenditures

-$1.1M

Previous: -$1.73M+36.2%
Free Cash Flow

$28M

Previous: $31M-9.7%
Net Income

$29.1M

Previous: $32.7M-11.1%
Operating Income

$45.5M

Previous: $57M-20.2%
Gross Profit

$73M

Previous: $75.4M-3.1%
Cash & Equivalents

$218M

Previous: $231M-5.7%
Total Assets

$6.34B

Previous: $6.15B+3.2%
Stock-Based Comp

$707K

Previous: $633K+11.7%

Revenue & EPS history

City Holding · Revenue · Quarterly

$73.5M

Q2 2024-3%vs Q2 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. Factors that could cause actual results to differ from those discussed in such forward-looking statements include, but are not limited to those set forth in the Company’s Annual Report on Form 10-K for the fiscal year ended December 31, 2023 under “ITEM 1A Risk Factors.

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 Q2 2024

Historical avgQ2 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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