{ "ok": true, "cik": "726854", "ticker": "CHCO", "name": "CITY HOLDING COMPANY", "filings": [ { "form": "8-K", "filed": "2026-09-30", "items": [ "8.01 Other Events", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/726854/000072685426000175/0000726854-26-000175-index.htm" }, { "form": "8-K", "filed": "2026-09-30", "items": [ "5.02 Departure or Election of Directors; Appointment of Officers", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/726854/000072685426000171/0000726854-26-000171-index.htm" }, { "form": "10-Q", "filed": "2026-08-05", "items": [], "url": "https://www.sec.gov/Archives/edgar/data/726854/000072685426000164/0000726854-26-000164-index.htm" }, { "form": "8-K", "filed": "2026-07-22", "items": [ "2.02 Results of Operations and Financial Condition", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/726854/000072685426000160/0000726854-26-000160-index.htm" }, { "form": "8-K", "filed": "2026-05-28", "items": [ "8.01 Other Events" ], "url": "https://www.sec.gov/Archives/edgar/data/726854/000072685426000139/0000726854-26-000139-index.htm" }, { "form": "8-K", "filed": "2026-05-28", "items": [ "5.02 Departure or Election of Directors; Appointment of Officers" ], "url": "https://www.sec.gov/Archives/edgar/data/726854/000072685426000136/0000726854-26-000136-index.htm" } ], "events12m": 14, "healthWatch": { "window": "last 12 months", "since": "2025-10-01", "signals": [ { "code": "5.02", "label": "Director or officer change", "count": 5, "latest": { "filed": "2026-09-30", "url": "https://www.sec.gov/Archives/edgar/data/726854/000072685426000171/0000726854-26-000171-index.htm" } } ], "note": "Events the company itself filed with the SEC, most serious first. Shown beside the figures; they do not change the range or its receipt." }, "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0000726854.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=726854" }, "license": "Figures as filed with the SEC. Card text CC BY 4.0, POPS4.", "notAdvice": "Reporting, not investment advice. No price targets and no trading recommendations.", "edgar": "🫧 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.", "auditor": { "changes": [], "nonReliance": [], "restatedSince": null }, "metrics": { "fiscalYearEnd": "2025-12-31", "revenue": 74288000, "revenueGrowth1y": 0.03189243249249918, "revenueGrowthPerYear": 0.03423282107425596, "yearsOfData": 5, "operatingMargin": null, "operatingMarginPrior": null, "netMargin": 1.7564748007753608, "operatingCashFlow": 131372000, "capitalSpending": 2924000, "freeCashFlow": 128448000, "researchAndDevelopment": null, "researchShareOfRevenue": null, "cash": 191919000, "longTermDebt": 150000000, "longTermDebtChange": 0, "revenueHistory": [ { "fiscalYearEnd": "2021-12-31", "revenue": 64930000 }, { "fiscalYearEnd": "2022-12-31", "revenue": 68099000 }, { "fiscalYearEnd": "2023-12-31", "revenue": 69068000 }, { "fiscalYearEnd": "2024-12-31", "revenue": 71992000 }, { "fiscalYearEnd": "2025-12-31", "revenue": 74288000 } ], "totalEquity": 809680000, "totalAssets": 6722018000, "equityRatio": 0.12045192381216474, "returnOnEquity": 0.16115625926291868, "dividendsPaid": 47294000, "payoutRatio": 0.3624477909338238, "dividendPerShare": 3.32, "dividendYearsRising": 15, "dividendCut": false, "priceBased": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown.", "earningsPerShare": 8.94, "sharesOutstanding": 14482000, "bookValuePerShare": 55.90940477834553, "revenuePerShare": 5.129678221240161, "range80": { "low": 57602481.57771828, "high": 95994398.96948019, "baseline": 76565392.71413761, "n": 749, "band": "b00", "bandLabel": "$50M–100M", "method": "v4.1", "credibility": 0.625, "growthYears": 6, "ownVolatility": 0.03580927940256903, "classVolatility": 0.19293522228976231, "volatility": 0.12149255247578772 }, "ifPaceHeld": { "low": 57602481.57771828, "high": 95994398.96948019 } }, "edgarette": "🔖 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%.", "peers": { "sic": 6021, "sicDescription": "National Commercial Banks", "calendarYear": 2025, "minRevenue": 50000000, "depth": 4, "group": "6021", "growth": [ 0.0717, 20 ], "equityRatio": [ 0.1055, 19 ], "returnOnEquity": [ 0.1028, 18 ], "payoutRatio": [ 0.4022, 16 ] }, "summary": "City Holding Company (CHCO) grew revenue 3.2% in FY2025 to $74 million, equity 12.0% of assets, and dividend per share up 15 years running. Every figure is from the company’s own annual report filed with the SEC.", "chart": "
CITY HOLDING COMPANY against its own record and its peers
Revenue, on the yearPeer median 7.2%3.2%Equity of assetsPeer median 10.5%12.0%Return on equityPeer median 10.3%16.1%Payout of profitPeer median 40.2%36.2%Gold tick: the median of 16–19 peers with $50M+ revenue in national commercial banks
", "chartHorizon": "
Handed back now, or kept to compound · of each dollar of profit
36.2% paid out63.8% keptHanded back per share$3.32up 15 years runningGrowth its own profit can fund10.3%managed 3.2% last year

Gold paid out, navy kept. Kept share × return on equity = the growth it can fund itself. Facts from the filings, not a recommendation.

", "backtest": { "tests": 4, "hits": 4, "rate": 1, "method": "v4", "byYear": { "2022": [ 1, 1 ], "2023": [ 1, 1 ], "2024": [ 1, 1 ], "2025": [ 1, 1 ] }, "note": "hindsight: the same credibility-weighted range on the company's own past years. Years 2018-2023 were used to fit or tune the method, so only 2025 outcomes are fully out of sample." }, "registry": { "logged": "2026-10-01T14:02:14.181Z", "hash": "efbca459ba5f6007", "status": "open" }, "caution": "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.", "schema": "pops4.edgarette.card/1", "card": { "summary": "City Holding Company (CHCO) grew revenue 3.2% in FY2025 to $74 million, equity 12.0% of assets, and dividend per share up 15 years running. Every figure is from the company’s own annual report filed with the SEC.", "exposure": { "fiscalYearEnd": "2025-12-31", "revenue": 74288000, "totalDebt": 150000000, "cash": 191919000 }, "experience": { "revenueGrowth1y": 0.03189243249249918, "revenueGrowthPerYear": 0.03423282107425596, "operatingMargin": null, "operatingMarginPrior": null, "netMargin": 1.7564748007753608, "freeCashFlow": 128448000 }, "soundness": { "equityRatio": 0.12045192381216474, "returnOnEquity": 0.16115625926291868, "payoutRatio": 0.3624477909338238, "dividendPerShare": 3.32, "dividendYearsRising": 15, "dividendCut": false, "note": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown." }, "peers": { "sic": 6021, "sicDescription": "National Commercial Banks", "calendarYear": 2025, "minRevenue": 50000000, "depth": 4, "group": "6021", "growth": [ 0.0717, 20 ], "equityRatio": [ 0.1055, 19 ], "returnOnEquity": [ 0.1028, 18 ], "payoutRatio": [ 0.4022, 16 ] }, "credibility": { "auditedYears": 5, "weight": "reasonable", "standard": "ASOP No. 25", "nonReliance": null, "auditorChange": null }, "healthWatch": { "window": "last 12 months", "since": "2025-10-01", "signals": [ { "code": "5.02", "label": "Director or officer change", "count": 5, "latest": { "filed": "2026-09-30", "url": "https://www.sec.gov/Archives/edgar/data/726854/000072685426000171/0000726854-26-000171-index.htm" } } ], "note": "Events the company itself filed with the SEC, most serious first. Shown beside the figures; they do not change the range or its receipt." }, "range": { "low": 57602481.57771828, "high": 95994398.96948019, "baseline": 76565392.71413761, "coverage": 0.8, "method": "v4.1", "basis": "next fiscal year revenue: baseline = revenue x (1 + mean of one-year and three-year pace); width = the company's own volatility of yearly growth, credibility-weighted against its size class (Buhlmann), scaled to the 80% target on 2023 and tested on 2024", "calibratedOn": { "companyYears": 749, "sizeBand": "$50M–100M", "fitYears": [ 2018, 2022 ], "tuneYear": 2023, "testYear": 2024, "coverageOnTestYear": 0.8341, "coverageAllYears": 0.6904374799277399, "stressCoverageAllYears": 0.819004992974709, "outcomeYears": [ 2019, 2025 ] }, "credibility": { "weightOnOwnRecord": 0.625, "growthYears": 6, "ownVolatility": 0.03580927940256903, "classVolatility": 0.19293522228976231, "pricedVolatility": 0.12149255247578772, "k": 3 }, "stress": { "low": 58720670.18964798, "high": 94289743.16978273, "basis": "the same range with widths set to hold 80% across 2018-2023, pandemic years included" }, "kind": "a statistical range, not company guidance; no view on the share price", "track": { "backtest": { "tests": 4, "hits": 4, "rate": 1, "method": "v4", "byYear": { "2022": [ 1, 1 ], "2023": [ 1, 1 ], "2024": [ 1, 1 ], "2025": [ 1, 1 ] }, "note": "hindsight: the same credibility-weighted range on the company's own past years. Years 2018-2023 were used to fit or tune the method, so only 2025 outcomes are fully out of sample." }, "registry": { "logged": "2026-10-01T14:02:14.181Z", "hash": "efbca459ba5f6007", "status": "open" }, "scorecard": "https://www.pops4.com/boards/scorecard" } }, "caution": "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.", "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0000726854.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=726854" }, "speedCash": { "fiscalYear": 2025, "cashConversion": 1.7684, "growth3y": 0.0294, "volatility": 0.0358, "paysDividend": true, "raisedDividend": true, "equityRatio": 0.1205, "quadrant": { "code": "ss", "label": "Slow and steady", "plain": "growing slower than its size class, with steadier revenue" }, "compass": { "code": "now", "inside": "Turns 176.8% of revenue into operating cash; revenue growing 2.9% a year over three years; pays and raised its dividend.", "outside": "Among $50M-100M companies: 98th percentile for cash, 40th for growth.", "emoji": "🐄", "label": "Cash cow now", "plain": "steady, with strong cash arriving today" }, "band": "$50M-100M", "cashPctInClass": 98, "growthPctInClass": 40, "source": "SEC XBRL frames, the company’s own audited figures; quadrant split at the median of its size class" }, "harbor": { "signs": [], "rule": "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.", "level": 0, "name": "New ship", "plain": "no warning signs" }, "cashFlow": { "fiscalYearEnd": "2025-12-31", "operating": 131372000, "investing": -269918000, "financing": 105076000, "capitalSpending": 2924000, "free": 128448000, "trend": [ { "fiscalYearEnd": "2021-12-31", "operating": 102273000, "free": 98950000 }, { "fiscalYearEnd": "2022-12-31", "operating": 115817000, "free": 113676000 }, { "fiscalYearEnd": "2023-12-31", "operating": 137580000, "free": 134618000 }, { "fiscalYearEnd": "2024-12-31", "operating": 131896000, "free": 129190000 }, { "fiscalYearEnd": "2025-12-31", "operating": 131372000, "free": 128448000 } ], "note": "Annual, as filed in 10-K cash flow statements; negative investing/financing = cash going out (capital spending, buybacks, dividends, debt repaid)." }, "investments": { "fiscalYearEnd": "2025-12-31", "cash": 191919000, "shortTerm": 9872000, "longTerm": 1493486000, "equityHoldings": null, "totalAssets": 6722018000, "ladder": { "within1y": 9872000, "y1to5": 116118000, "y5to10": 271019000, "y10plus": 1106349000, "noSingleDate": null }, "currentRatio": null, "unrealizedGain": 8546000, "unrealizedLoss": 107909000, "note": "Balance-sheet cash and investment securities at fiscal year end, as filed; short-term = due or saleable within a year. Insurers and banks hold most of their book here." } }, "definitions": { "operatingMargin": "Operating income divided by revenue.", "netMargin": "Net income divided by revenue.", "freeCashFlow": "Cash from operations minus spending on property and equipment.", "researchShareOfRevenue": "Research and development expense for the year as a share of revenue, both as filed.", "equityRatio": "Shareholders equity as a share of total assets, both as filed. Higher means less of the company is owed to someone else.", "returnOnEquity": "Net income for the year against shareholders equity at year end.", "payoutRatio": "Dividends paid as a share of net income, in the year the cash went out.", "dividendYearsRising": "Consecutive years, counted back from the last on record, in which dividend per share rose. A fall ends the run and is reported as dividendCut.", "revenueGrowthPerYear": "Compound annual growth between the first and latest fiscal years shown.", "credibility": "How much weight a record deserves, in the actuarial sense (ASOP No. 25): more audited years, more weight.", "peers": "Medians of SEC filers with $50M+ revenue in the same industry code (SIC), narrowest group with at least 8 filers, calendar-year figures from SEC XBRL frames.", "backtest": "The same range method applied to the company's own past years, scored against what it actually reported next. Hindsight, and labelled so.", "healthWatch": "Distress-type events the company filed in the last 12 months (late-filing notices; 8-K items 1.03, 3.01, 2.04, 4.02, 4.01, 2.05, 2.06, 1.05, 5.02), each with its count and newest filing. Display only: they do not change the range or its receipt." }, "speedCash": { "fiscalYear": 2025, "cashConversion": 1.7684, "growth3y": 0.0294, "volatility": 0.0358, "paysDividend": true, "raisedDividend": true, "equityRatio": 0.1205, "quadrant": { "code": "ss", "label": "Slow and steady", "plain": "growing slower than its size class, with steadier revenue" }, "compass": { "code": "now", "inside": "Turns 176.8% of revenue into operating cash; revenue growing 2.9% a year over three years; pays and raised its dividend.", "outside": "Among $50M-100M companies: 98th percentile for cash, 40th for growth.", "emoji": "🐄", "label": "Cash cow now", "plain": "steady, with strong cash arriving today" }, "band": "$50M-100M", "cashPctInClass": 98, "growthPctInClass": 40, "source": "SEC XBRL frames, the company’s own audited figures; quadrant split at the median of its size class" }, "harbor": { "signs": [], "rule": "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.", "level": 0, "name": "New ship", "plain": "no warning signs" }, "cashFlow": { "fiscalYearEnd": "2025-12-31", "operating": 131372000, "investing": -269918000, "financing": 105076000, "capitalSpending": 2924000, "free": 128448000, "trend": [ { "fiscalYearEnd": "2021-12-31", "operating": 102273000, "free": 98950000 }, { "fiscalYearEnd": "2022-12-31", "operating": 115817000, "free": 113676000 }, { "fiscalYearEnd": "2023-12-31", "operating": 137580000, "free": 134618000 }, { "fiscalYearEnd": "2024-12-31", "operating": 131896000, "free": 129190000 }, { "fiscalYearEnd": "2025-12-31", "operating": 131372000, "free": 128448000 } ], "note": "Annual, as filed in 10-K cash flow statements; negative investing/financing = cash going out (capital spending, buybacks, dividends, debt repaid)." }, "investments": { "fiscalYearEnd": "2025-12-31", "cash": 191919000, "shortTerm": 9872000, "longTerm": 1493486000, "equityHoldings": null, "totalAssets": 6722018000, "ladder": { "within1y": 9872000, "y1to5": 116118000, "y5to10": 271019000, "y10plus": 1106349000, "noSingleDate": null }, "currentRatio": null, "unrealizedGain": 8546000, "unrealizedLoss": 107909000, "note": "Balance-sheet cash and investment securities at fiscal year end, as filed; short-term = due or saleable within a year. Insurers and banks hold most of their book here." } }