Machine learning predictions based on historical earnings data and price patterns
1-Day Prediction
+0.45%
$127.22
0% positive prob.
5-Day Prediction
-1.97%
$124.15
0% positive prob.
20-Day Prediction
+0.06%
$126.73
0% positive prob.
| Quarter | Signal | 1D Return | 5D Return | 20D Return | Confidence | Actual 5D |
|---|---|---|---|---|---|---|
| Q1 2026 | SELL | +0.45% | -1.97% | +0.06% | 100.0% | Pending |
| Q4 2025 | SELL | +0.28% | -1.83% | +0.03% | 100.0% | -3.11% |
SEC 8-K filings with transcript text
Apr 23, 2026 · 100% conf.
1D
+0.45%
$127.22
5D
-1.97%
$124.15
20D
+0.06%
$126.73
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
Jan 21, 2026 · 100% conf.
1D
+0.28%
$124.60
Act: +1.83%
5D
-1.83%
$121.98
Act: -3.11%
20D
+0.03%
$124.29
Act: +0.34%
chco-202601210000726854false00007268542026-01-212026-01-21
Washington, D.C., 20549
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of Earliest Event Reported): January 21, 2026
(Exact Name of Registrant as Specified in its Charter)
Commission File Number: 0-11733
West Virginia55-0619957 (State or Other Jurisdiction of(I.R.S. Employer Incorporation or Organization)Identification No.)
25 Gatewater Road, Cross Lanes, West Virginia 25313 (Address of Principal Executive Offices, Including Zip Code)
304-769-1100 (Registrant’s Telephone Number, Including Area Code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act (17 CFR 240.14a-12(b)) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17CFR240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common Stock $2.50 Par ValueCHCONASDAQ Global Select Market
Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
-1-
Section 2 - Financial Information
Item 2.02 Results of Operations and Financial Condition.
On January 21, 2026, City Holding Company ("the Company") issued a news release, attached as Exhibit 99.1, announcing the Company's earnings results for the fourth quarter ended December 31, 2025. Furnished as Exhibit 99.1 and incorporated herein by reference is the news release issued by the Company.
Section 9 - Financial Statements and Exhibits
Item 9.01 Financial Statements and Exhibits.
(c) Exhibits
99.1 News Release issued January 21, 2026
Signatures
Pursuant to the requirements of the Securities and Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the Undersigned hereunto duly authorized.
Dated: January 21, 2026 City Holding Company
By:/s/ David L. Bumgarner David L. Bumgarner Executive Vice President & Chief Financial Officer
-2-
Oct 22, 2025
chco-202510220000726854false00007268542025-10-222025-10-22
Washington, D.C., 20549
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of Earliest Event Reported): October 22, 2025
(Exact Name of Registrant as Specified in its Charter)
Commission File Number: 0-11733
West Virginia55-0619957 (State or Other Jurisdiction of(I.R.S. Employer Incorporation or Organization)Identification No.)
25 Gatewater Road, Cross Lanes, West Virginia 25313 (Address of Principal Executive Offices, Including Zip Code)
304-769-1100 (Registrant’s Telephone Number, Including Area Code)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) ☐Soliciting material pursuant to Rule 14a-12(b) under the Exchange Act (17 CFR 240.14a-12(b)) ☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) ☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17CFR240.13e-4(c))
Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading symbol(s)Name of each exchange on which registered Common Stock $2.50 Par ValueCHCONASDAQ Global Select Market
Indicate by check mark whether the registrant is an emerging growth company as defined in as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter). Emerging growth company☐ If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
-1-
Section 2 - Financial Information
Item 2.02 Results of Operations and Financial Condition.
On October 22, 2025, City Holding Company ("the Company") issued a news release, attached as Exhibit 99.1, announcing the Company's earnings results for the third quarter ended September 30, 2025. Furnished as Exhibit 99.1 and incorporated herein by reference is the news release issued by the Company.
Section 9 - Financial Statements and Exhibits
Item 9.01 Financial Statements and Exhibits.
(c) Exhibits
99.1 News Release issued October 22, 2025
Signatures
Pursuant to the requirements of the Securities and Exchange Act of 1934, the Registrant has duly caused this Report to be signed on its behalf by the Undersigned hereunto duly authorized.
Dated: October 22, 2025 City Holding Company
By:/s/ David L. Bumgarner David L. Bumgarner Executive Vice President & Chief Financial Officer
-2-
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.