City Holding $CHCO Read from its own SEC filings · nothing written, nothing inferred
🫧 Edgar looked up CITY HOLDING COMPANY ($CHCO). Last filing: 8-K (8.01 Other Events), 2026-09-30. 14 event filings (8-K) in the past twelve months.
🔖 Exposure: revenue $74.3M (FY2025), total debt $150.0M. Experience: revenue up 3.2% on the year, up 3.4% a year over 4 years. Soundness: equity 12.0% of assets, return on equity 16.1%, payout 36.2% of profit, dividend per share up 15 years running. Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $57.6M and $96.0M next year (method v4.1: its own 6-year record of growth weighed at 63% against $50M–100M filers; across 2019–2025, 69.0% landed inside, 83.4% on the one year the method never saw). In a shock year the stress range is $58.7M to $94.3M. A statistical range, not company guidance. Against peers (20 filers, $50M+ revenue, national commercial banks): growth 3.2% against 7.2%.
Gold paid out, navy kept. Kept share × return on equity = the growth it can fund itself. Facts from the filings, not a recommendation.
Speed and cash · fiscal 2025
Both views must agree for a label · a description, not advice.
| Cash flow (op · inv · fin · free) | $131M · −$270M · $105M · $128M |
| Investment book (cash · short · long) | $192M · $10M · $1.5B · unrealized −$99M |
| Revenue swing · equity of assets | 3.6% · 12.0% |
City Holding is growing slower than its size class, with steadier revenue. Its own audited SEC figures.
The figures, as filed
| Fiscal year end | 2025-12-31 |
| Revenue | $74M |
| Revenue, on the year | 3.2% |
| Revenue, a year over the record | 3.4% |
| Operating margin | — |
| Operating margin, prior year | — |
| Net margin | 175.6% |
| Research and development | not filed separately |
| Total debt | $150M |
| Equity of assets | 12.0% |
| Return on equity | 16.1% |
| Payout of profit | 36.2% |
| Dividend per share | $3.32 · up 15 years running |
| Earnings per share | $8.94 |
| Book value per share | $55.91 |
| Revenue per share | $5.13 |
| Shares outstanding | 14,482,000 |
| Audited years read | 5 |
Peers: the median of 20 filers with $50M+ revenue in national commercial banks.
Health HarborCity Holding sails as: New ship
Health watch · 12 monthsDirector or officer change ×5
Sailing speed follows growth: 2.9% a year crosses the harbor in 71 seconds.
🌊 Visit the Bay →No warning signs on the measures below.
Boat condition = number of warning signs: a serious warning filing in 12 months; liabilities over assets; slow and jumpy; negative operating cash; an 80% revenue range of ±25% or wider. A picture of the signs, not a rating and not investment advice.
- 8-K · 2026-09-30 · 8.01 Other Events; 9.01 Financial Statements and Exhibits
- 8-K · 2026-09-30 · 5.02 Departure or Election of Directors; Appointment of Officers; 9.01 Financial Statements and Exhibits
- 10-Q · 2026-08-05
- 8-K · 2026-07-22 · 2.02 Results of Operations and Financial Condition; 9.01 Financial Statements and Exhibits
- 8-K · 2026-05-28 · 8.01 Other Events
- 8-K · 2026-05-28 · 5.02 Departure or Election of Directors; Appointment of Officers
Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price. Reporting, not investment advice. No price targets and no trading recommendations. Figures from the SEC’s own data · every filing · this page as JSON · ask about another company