CHCO FINANCIAL STATEMENTS

City Holding Company — balance sheet, income statement and cash flow trends

CHCOCity Holding Company

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue396.5 M $+5.5%

Gross Profit316 M $+10.8%

Operating Income164.9 M $+13.9%

EBITDA174.1 M $+10.1%

Net Income131.9 M $+11.8%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
CHCO	—	—	—	33.3%
KLNMA	—	—	—	58.1%
BFL	—	—	—	30.2%
BOQ	—	—	—	2.0%
LB	—	—	—	1.4%
EQB	—	—	—	6.6%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity794.4 M $12%
Current Liabilities374.8 M $6%
Long-term Liabilities5.6 B $83%

Key Figures

YoY change

Total Assets6.8 B $+2.1%

Total Liabilities6 B $+1.7%

Total Equity794.4 M $+5.0%

Cash & ST Investments1.6 B $+41.7%

Total Debt524.8 M $+5.4%

Net Debt389 M $+244.2%

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CHCO	0.42	66.1%	-6.04	11.8%
KLNMA	—	0.0%	-0.00	17.7%
BFL	33.68	9.1%	-3.30	12.0%
BOQ	0.05	258.4%	49.89	6.0%
LB	0.01	744.5%	280.57	5.3%
EQB	0.09	496.5%	40.36	6.2%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
CHCO	0.42	66.1%	-6.04	11.8%
CASH	7.45	7.0%	-0.35	12.0%
LOB	0.12	7.8%	-7.48	8.4%
SRCE	0.18	30.0%	-4.23	14.0%
TFIN	—	15.1%	-3.79	13.8%
STEL	0.23	10.5%	-11.67	15.3%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow137.9 M $+5.0%

Capital Expenditures3.4 M $+43.8%

Free Cash Flow134.5 M $+4.4%

Dividends Paid-50.5 M $-213.5%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CHCO	34.8%	33.9%	0.9%	104.5%
KLNMA	58.1%	57.8%	0.3%	100.0%
BFL	116.9%	27.7%	2.8%	386.6%
BOQ	13.1%	13.0%	0.2%	668.4%
LB	-1.8%	-3.5%	1.7%	-134.2%
EQB	-2.9%	-7.6%	3.1%	-44.2%
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
CHCO	34.8%	33.9%	0.9%	104.5%
CASH	87.6%	65.2%	22.5%	357.5%
LOB	13.2%	11.8%	1.4%	113.3%
SRCE	34.9%	34.8%	1.5%	131.0%
TFIN	15.0%	11.5%	3.5%	236.9%
STEL	20.1%	19.9%	0.5%	113.4%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

Go deeper on CHCO

Run a DCF valuation

Full DCF model with editable assumptions

Start a head-to-head duel

Compare two stocks metric by metric

Filter in the stock screener

Build your own universe with 400+ metrics

Data on this page refreshes once per day. Price data as of Jul 7, 26. This content is for informational purposes only and is not investment advice.