City Holding Company Reports Record Net Income of $130.5 Million for 2025
- Record Net Income: City Holding Company achieved a record net income of $130.5 million in 2025, with diluted earnings per share at $8.93, demonstrating the company's ability to sustain growth in a competitive banking environment and further solidifying its market position.
- Net Interest Income Growth: The company's net interest income rose from $220.2 million in 2024 to $236.4 million in 2025, a 7.3% increase primarily driven by higher loan balances and reduced costs of interest-bearing liabilities, reflecting effective asset-liability management strategies.
- Improved Asset Quality: As of December 31, 2025, the ratio of nonperforming assets decreased to 0.32% from 0.35% in 2024, indicating successful credit quality management and enhancing investor confidence in the company's long-term stability.
- Increase in Non-Interest Income: Non-interest income reached $77.8 million in 2025, up 6.1% from $73.3 million in 2024, largely due to increased wealth and investment management fees, showcasing the effectiveness of the company's diversified revenue streams.
Trade with 70% Backtested Accuracy
Analyst Views on CHCO
About CHCO
About the author

- Stock Price Analysis: CHCO's 52-week low is $106.095, with a high of $133.59, and the last trade at $121.56 indicates stability within this range, potentially influencing investor confidence and decision-making.
- Technical Indicator Focus: The current price of $121.56 is below the 200-day moving average, which may trigger technical sell signals, prompting investors to closely monitor market reactions to assess potential risks.
- Market Sentiment Assessment: Despite fluctuations within the 52-week range, the current price remains above the low point, suggesting that the market retains some confidence in CHCO's fundamentals, which may attract long-term investors.
- Dividend Stock Dynamics: CHCO, along with nine other dividend stocks, has recently seen its price drop below the 200-day moving average, potentially affecting its attractiveness, necessitating an evaluation of its competitive edge in dividend yields.
- Record Net Income: City Holding Company achieved a record net income of $130.5 million in 2025, with diluted earnings per share at $8.93, demonstrating the company's ability to sustain growth in a competitive banking environment and further solidifying its market position.
- Net Interest Income Growth: The company's net interest income rose from $220.2 million in 2024 to $236.4 million in 2025, a 7.3% increase primarily driven by higher loan balances and reduced costs of interest-bearing liabilities, reflecting effective asset-liability management strategies.
- Improved Asset Quality: As of December 31, 2025, the ratio of nonperforming assets decreased to 0.32% from 0.35% in 2024, indicating successful credit quality management and enhancing investor confidence in the company's long-term stability.
- Increase in Non-Interest Income: Non-interest income reached $77.8 million in 2025, up 6.1% from $73.3 million in 2024, largely due to increased wealth and investment management fees, showcasing the effectiveness of the company's diversified revenue streams.
City Holding's Stock Performance: Shares of City Holding (NASDAQ:CHCO) rose 2.9% after comments from New York Federal Reserve President John Williams suggested potential interest rate cuts, increasing the likelihood of a December rate reduction from 39% to over 73%.
Market Context and Volatility: The stock is relatively stable, with only one significant move over 5% in the past year, indicating that today's increase is seen as meaningful but not fundamentally altering perceptions of the company.
Positive Financial Sector Trends: Major banks reported strong earnings, with JPMorgan Chase and Wells Fargo showing significant profit increases, suggesting a healthy corporate activity and trading environment, which may influence investor sentiment positively.
Long-term Investment Growth: City Holding's shares have appreciated 4% year-to-date and have nearly doubled in value over the past five years, indicating strong long-term growth potential for investors.
American Express Dividend Announcement: The Board of Directors of American Express declared a quarterly dividend of $0.82 per common share, payable on November 10, 2025, to shareholders of record on October 10, 2025.
BankUnited Dividend Declaration: BankUnited's Board of Directors announced a quarterly cash dividend of $0.31 per common share, payable on October 31, 2025, to shareholders of record on October 10, 2025.
City Holding Dividend Increase: City Holding declared a dividend of 87 cents per common share, payable on October 31, 2025, to shareholders of record as of October 15, 2025, marking a 10% increase from the previous quarter.
Worthington Steel Dividend Declaration: Worthington Steel's Board of Directors declared a quarterly dividend of $0.16 per common share, payable on December 26, 2025, to shareholders of record on December 12, 2025.
Dividend Declaration: City Holding Company declared a dividend of 87 cents per common share, a 10% increase from the previous quarter, payable on October 31, 2025, to shareholders of record as of October 15, 2025.
Company Performance: The increase in the dividend reflects the company's strong capital and liquidity position, as well as confidence in sustaining financial performance throughout 2025, leading to an annualized dividend of $3.48.
Company Overview: City Holding Company is the parent of City National Bank of West Virginia, operating 96 branches across four states, and is traded on NASDAQ under the symbol "CHCO."
Forward-Looking Statements: The release includes forward-looking statements that are subject to risks and uncertainties, which could cause actual results to differ from projections, including economic conditions, credit risks, and regulatory changes.
Real-time Intelligence for Traders: Benzinga Pro offers the fastest news alerts and real-time intelligence to help traders succeed in the stock market.
Exclusive Community Access: Joining Benzinga Pro connects you with over 10,000 serious traders and provides access to exclusive stories and insights from Benzinga reporters.










