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City Holding Company (CHCO) investor relations material
City Holding Company Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Net income for the nine months ended September 30, 2025 was $98.9 million, up from $88.4 million year-over-year, with EPS rising to $6.76 basic and $6.75 diluted from $5.96 in 2024.
Achieved record quarterly net income of $35.2 million and diluted EPS of $2.41 for Q3 2025, driven by strong loan growth, higher net interest income, and stable credit quality.
Return on average assets (ROA) for the nine months was 2.01%, and return on average equity (ROE) was 17.4%.
Return on assets was 2.11% and return on tangible equity reached 22.5% for the quarter.
Financial highlights
Net interest income for the nine months increased to $175.8 million from $164.7 million year-over-year; net interest margin rose to 3.95% from 3.90%.
Net interest income rose 3.7% sequentially to $61.1 million; net interest margin increased to 4.04%.
Non-interest income rose to $58.1 million from $57.2 million, driven by higher wealth management and service fees.
Non-interest expenses increased to $114.5 million from $110.3 million, mainly due to higher salaries, equipment, and bankcard expenses.
Efficiency ratio improved to 46.0% from 49.0% in the prior quarter.
Outlook and guidance
Management expects continued strong liquidity and capital positions, with no material impact anticipated from recent tax law changes.
Dividend payments are expected to approximate $47.4 million annually, and available cash and borrowing capacity are considered sufficient for the next 12 months.
Management highlighted forward-looking risks including economic conditions, credit quality, interest rate changes, and regulatory factors.
Analyze commercial loan LTVs and DSCs
Assess uninsured deposit exposure by type
Evaluate parent company's share repurchase capacity
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Next City Holding Company earnings date
Q4 202523 Jan, 2026
Next City Holding Company earnings date
Q4 202523 Jan, 2026
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Frequently asked questions
City Holding Company is a financial holding company based in Charleston, West Virginia. It operates primarily through its wholly owned subsidiary, City National Bank of West Virginia. The company provides a broad range of banking services including credit, deposit, and investment management products. It serves both individual consumers and local businesses, offering commercial and residential real estate loans, consumer loans, mortgage banking services, and a variety of deposit accounts. City Holding Company also provides trust and wealth management services, along with cash management and merchant credit card services for its commercial clients. The company is headquartered in Charleston, West Virginia, and its shares are listed on the NASDAQ.
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