Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
+0.51%
$143.91
76% positive prob.
5-Day Prediction
+2.57%
$146.87
76% positive prob.
20-Day Prediction
+2.21%
$146.35
72% positive prob.
| Quarter | Signal | 1D Return | 5D Return | 20D Return | Confidence | Actual 5D |
|---|---|---|---|---|---|---|
| Q3 2026 | BUY | +0.51% | +2.57% | +2.21% | 51.4% | Pending |
| Q2 2026 | BUY | +0.93% | +3.27% | +2.92% | 100.0% | +4.34% |
| Q1 2026 | SELL | +0.45% | -1.97% | +0.06% | 100.0% | -2.91% |
| Q4 2025 | SELL | +0.28% | -1.83% | +0.03% | 100.0% | -3.11% |
SEC 8-K filings with transcript text
Oct 26, 2026 · 51% conf.
1D
+0.51%
$143.91
5D
+2.57%
$146.87
20D
+2.21%
$146.35
2 chco09-30x2026exhibit991.htm
Document
For Immediate Release
October 26, 2026
For Further Information Contact:
David L. Bumgarner, Senior Executive Vice President and Chief Financial Officer
(304) 769-1169
City Holding Company Announces Record Quarterly Results
Charleston, West Virginia – City Holding Company (“Company” or “City”) (NASDAQ:CHCO), a $6.8 billion bank holding company headquartered in Charleston, West Virginia, today announced net income of $34.6 million and record quarterly diluted earnings of $2.43 per share for the quarter ended September 30, 2026. For the quarter ended September 30, 2026, the Company achieved a return on assets of 2.03% and a return on tangible equity of 20.9%.
Net Interest Income
The Company’s net interest income increased approximately $1.8 million, or 3.0%, from $60.8 million during the second quarter of 2026 to $62.6 million during the third quarter of 2026. The Company’s tax equivalent net interest income increased approximately $1.9 million, or 3.0%, from $61.0 million for the second quarter of 2026 to $62.9 million for the third quarter of 2026. This increase was primarily due to an increase in the yield on loans (3 basis points) and an increase in the average balances of loans ($36.1 million) which increased net interest income by $1.1 million and $0.5 million, respectively. In addition, an increase in the yield on investments (5 basis points) and an increase in average investment balances ($20.7 million) increased net interest income by $0.4 million and $0.2 million, respectively. These increases were partially offset by a decrease in the average balances of deposits in depository institutions ($49.0 million) which decreased net interest income by $0.5 million. The Company’s reported net interest margin increased from 3.97% for the second quarter of 2026 to 4.04% for the third quarter of 2026.
Credit Quality
The Company’s ratio of nonperforming assets to total loans and other real estate owned remained stable at 0.24%, or $10.6 million, at June 30, 2026 compared to 0.24%, or $10.9 million, at September 30, 2026. Total past due loans decreased modestly from $8.6 million, or 0.19% of total loans outstanding, at June 30, 2026, to $8.3 million, or 0.18% of total loans outstanding, at September 30, 2026.
As a result of the Company’s quarterly analysis of the adequacy of the allowance for credit losses, the Company recorded a recovery of credit losses of $0.1 million in the third quarter of 2026, compared to a recovery of credit losses of $0.5 million for the comparable period in 2025, and a provision for credit losses of $0.4 million for the second quarter of 2026. The recovery of credit losses in the third quarter of 2026 was primarily related to the upgrade of a commercial real estate loan and a marginal decrease in the historical loss rates for commercial and residential real estate loans during the quarter ended September 30, 2026. These decreases were partially offset by revisions to qualitative adjustment factors and the downgrade of a commercial loan ($0.25 million) during the quarter ended September 30, 2026.
Non-interest Income
Non-interest income increased $0.9 million from $20.5 million in the third quarter of 2025 to $21.4 million in the third quarter of 2026. This increase was due to an increase of $0.5 million, or 6.0%, in service charges and an increase of $0.3 million, or 10.5%, in wealth and investment management fee income.
Non-interest Expenses
Non-interest expenses increased $2.6 million from $38.3 million in the third quarter of 2025 to $40.9 million in the third quarter of 2026. The increase during the quarter ended September 30, 2026 was largely due to an increase in salaries and employee benefit expenses of $1.1 million due to salary adjustments, increased incentive compensation, and increased health insurance costs. In addition, other expenses increased $0.5 million and advertising expenses increased $0.4 million. For the nine months ended September 30, 2026 non-interest expenses have increased $5.0 million, or 4.4%, to $120.4 million as compared to $115.4 million for the nine months ended September 30, 2025.
Balance Sheet Trends
Loans increased $48.4 million (1.1%) from June 30, 2026 to $4.55 billion at September 30, 2026. Commercial and industrial loans increased $20.1 million (4.4%), commercial real estate loans increased $12.9 million (0.7%), residential real estate loans increased $8.8 million (0.5%), and home equity loans increased $8.2 million (3.6%) during the quarter ended September 30, 2026.
Period-end deposit balances increased $18.0 million from June 30, 2026, to September 30, 2026. Total average depository balances increased $26.5 million (0.5%) from the quarter ended June 30, 2026 to the quarter ended September 30, 2026 to $5.35 billion. Average noninterest-bearing demand balances increased $28.0 million and average savings deposits balances increased $11.0 million.
Jul 22, 2026 · 100% conf.
1D
+0.93%
$140.46
Act: -1.16%
5D
+3.27%
$143.72
Act: +4.34%
20D
+2.92%
$143.23
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Apr 23, 2026 · 100% conf.
1D
+0.45%
$127.22
Act: -1.76%
5D
-1.97%
$124.15
Act: -2.91%
20D
+0.06%
$126.73
Act: -1.77%
2 chco03-31x2026exhibit991.htm
Document
For Immediate Release
April 23, 2026
For Further Information Contact:
David L. Bumgarner, Executive Vice President and Chief Financial Officer
(304) 769-1169
City Holding Company Announces Quarterly Results
Charleston, West Virginia – City Holding Company (“Company” or “City”) (NASDAQ:CHCO), a $6.8 billion bank holding company headquartered in Charleston, West Virginia, today announced net income of $31.7 million and diluted earnings of $2.20 per share for the quarter ended March 31, 2026. For the quarter ended March 31, 2026, the Company achieved a return on assets of 1.92% and a return on tangible equity of 19.3%.
Net Interest Income
The Company’s net interest income decreased approximately $1.0 million, or 1.6%, from $60.6 million during the fourth quarter of 2025 to $59.6 million during the first quarter of 2026. The Company’s tax equivalent net interest income decreased approximately $0.9 million, or 1.5%, from $60.8 million for the fourth quarter of 2025 to $59.9 million for the first quarter of 2026. This decrease was primarily due to a decrease in the yield on loans and a decrease in the yield on investments which decreased net interest income by $1.5 million and $1.1 million, respectively. The decline in net interest income due to the decrease in the yield on investments was primarily attributable to the maturities of $150 million of swap agreements in October 2025 ($50 million) and November 2025 ($100 million). In addition, net interest income decreased $0.4 million due to a decrease in the average balances of investments ($36.1 million) and $0.3 million due to a decrease in average balances of deposits in depository institutions ($34.9 million).
These decreases were partially offset by a decrease in the cost of interest bearing liabilities (11 basis points) and an increase in average loans outstanding ($60.5 million), which increased net interest income by $1.6 million and $0.9 million, respectively. The Company’s reported net interest margin improved from 3.94% for the fourth quarter of 2025 to 3.97% for the first quarter of 2026.
Credit Quality
The Company’s ratio of nonperforming assets to total loans and other real estate owned decreased from 0.32%, or $14.4 million, at December 31, 2025 to 0.27%, or $12.2 million, at March 31, 2026. Total past due loans increased modestly from $8.5 million, or 0.19% of total loans outstanding, at December 31, 2025, to $8.8 million, or 0.20% of total loans outstanding, at March 31, 2026.
As a result of the Company’s quarterly analysis of the adequacy of the allowance for credit losses, the Company recorded a provision for credit losses of $0.6 million in the first quarter of 2026, compared to no provision for credit losses for the comparable period in 2025, and a provision for credit losses of $1.1 million for the fourth quarter of 2025. The provision for credit losses in the first quarter of 2026 was primarily related to a commercial loan for a movie theater that had been transferred to nonaccrual status in the third quarter of 2024. Due to further cash flow deterioration, a $0.85 million charge-off was recorded in the quarter ending March 31, 2026, leaving an outstanding balance of approximately $5.0 million. This charge-off was partially offset by a decline in loan balances from the fourth quarter of 2025 and net recoveries (exclusive of the movie theater charge-off) during the quarter ended March 31, 2026.
Non-interest Income
Non-interest income increased $0.9 million from $18.7 million in the first quarter of 2025 to $19.6 million in the first quarter of 2026. This increase was due to an increase of $0.4 million, or 14.3%, in wealth and investment management fee income, a $0.3 million, or 43.6%, increase in other income, and an increase of $0.2 million, or 3.4%, in service charges. These increases were partially offset by a decrease in bank owned life insurance of $0.2 million.
Non-interest Expenses
Non-interest expenses increased $1.8 million, or 4.6%, from $37.6 million in the first quarter of 2025 to $39.4 million in the first quarter of 2026. This increase was largely due to an increase in salaries and employee benefit expenses ($1.0 million due to salary adjustments (3.5%) and increased health insurance (11.3%)), other tax related matters ($0.4 million), and equipment and software related expenses ($0.2 million).
Balance Sheet Trends
Loans decreased $11.3 million (0.3%) from December 31, 2025 to $4.50 billion at March 31, 2026. Commercial and industrial loans decreased $12.4 million and consumer loans decreased $4.4 million during the quarter ended March 31, 2026. These decreases were partially offset by increases in residential real estate loans of $3.3 million (0.2%) and commercial real estate loans of $1.6 million (0.1%).
Period-end deposit balances increased $42.6 million from December 31, 2025, to March 31, 2026. Total average depository b
This page provides City Holding Company (CHCO) earnings call transcripts from SEC 8-K filings along with AI-powered predictions for post-earnings price movements. Our machine learning models analyze historical earnings data, pre-earnings price patterns, volume changes, and volatility to predict 1-day, 5-day, and 20-day returns after each earnings release.
Earnings transcripts are sourced directly from SEC EDGAR filings. Predictions are generated using gradient boosting models trained on CHCO's historical earnings reactions. All predicted returns are shown as percentages, and predicted prices are calculated from the closing price at the time of prediction. Past performance does not guarantee future results.