CITY HOLDING CO (CHCO) Form 10-Q — Nov 4, 2026
City Holding Company (CHCO) reported Q3 2026 diluted EPS of $2.43, up slightly from $2.41 a year ago, on net income of $34.6 million (down from $35.2 million). Net interest income rose 2.5% YoY to $62.6 million with NIM holding at 4.04%, and non-performing assets fell to 0.24% of loans with a $0.1 million credit loss recovery in the quarter. The soft spot is mark-to-market: rising rates drove a $48.9 million net-of-tax other comprehensive loss in Q3, pushing accumulated other comprehensive loss to $131.0 million and gross unrealized AFS securities losses to $171.8 million. Shareholders' equity fell $28.1 million YTD to $781.6 million and the tangible equity ratio slipped from 9.9% to 9.4%.
Key figures
- Eps
- 2.43
- Eps Beat
- 0
- Revenue
- 0
- Net Income
- 34609000
- Revenue Yoy
- 0
- Total Assets
- 6786251000
- Cash Position
- 201379000
- Shares Outstanding
- 14076100
- Roa Q3
- 2.03%
- Roe Q3
- 16.8%
- Npa Ratio
- 0.24%
- Roatce Q3
- 20.9%
- Gross Loans
- 4550140000
- Q3 Buybacks
- 0
- Total Deposits
- 5358140000
- Q3 Net Income Prior
- 35188000
- Efficiency Ratio Q3
- 48.0%
- Q3 Diluted Eps Prior
- 2.41
- Uninsured Deposits
- 15%
- Dividend Per Share Q3
- 1
- Nine Month Net Income
- 99642000
- Net Interest Income9 M
- 182981000
- Net Interest Income Q3
- 62605000
- Net Interest Margin9 M
- 4.00%
- Net Interest Margin Q3
- 4.04%
- Non Performing Assets
- 10893000
- Tangible Equity Ratio
- 9.4%
- Unrealized Losses AFS
- 171761000
- Ytd Treasury Purchases
- 38137000
- Dividend Payout Ratio Q3
- 41.1%
- Efficiency Ratio Q3 Prior
- 46.0%
- Total Shareholders Equity
- 781614000
- Allowance For Credit Losses
- 19624000
AI analysis
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