City Holding Company (CHCO) — Cash Flow Quality Index
City Holding Company (CHCO) has a Cash Flow Quality Index of 0.98x as of June 2026. Operating cash flow of $32.64 Million is below net income of $33.30 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore debt repayment capacity of City Holding Company to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
City Holding Company Cash Flow Quality Index (1989–2025)
Historical Cash Flow Quality Index for City Holding Company across 35 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see City Holding Company (CHCO) cash conversion ratio.
Annual Cash Flow Quality Index for City Holding Company (1989–2025)
Year-by-year earnings quality comparison for City Holding Company.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.01x | $131.37 Million | $130.49 Million | ▼ -10.6% |
| 2024 | 1.13x | $131.90 Million | $117.10 Million | ▼ -6.4% |
| 2023 | 1.20x | $137.58 Million | $114.36 Million | ▲ +6.0% |
| 2022 | 1.13x | $115.82 Million | $102.07 Million | ▼ -2.3% |
| 2021 | 1.16x | $102.27 Million | $88.08 Million | ▲ +15.9% |
| 2020 | 1.00x | $89.80 Million | $89.59 Million | ▼ -9.2% |
| 2019 | 1.10x | $98.64 Million | $89.35 Million | ▼ -0.4% |
| 2018 | 1.11x | $77.57 Million | $70.00 Million | ▼ -20.9% |
| 2017 | 1.40x | $76.13 Million | $54.31 Million | ▲ +11.8% |
| 2016 | 1.25x | $65.33 Million | $52.13 Million | ▲ +41.6% |
| 2015 | 0.89x | $47.90 Million | $54.10 Million | ▼ -12.1% |
| 2014 | 1.01x | $53.35 Million | $52.96 Million | ▼ -36.0% |
| 2013 | 1.57x | $75.89 Million | $48.22 Million | ▲ +13.9% |
| 2012 | 1.38x | $53.81 Million | $38.95 Million | ▼ -5.4% |
| 2011 | 1.46x | $59.44 Million | $40.68 Million | ▼ -16.7% |
| 2010 | 1.75x | $68.33 Million | $38.96 Million | ▲ +198.8% |
| 2009 | 0.59x | $25.03 Million | $42.65 Million | ▼ -69.8% |
| 2008 | 1.94x | $54.56 Million | $28.11 Million | ▲ +96.7% |
| 2007 | 0.99x | $50.35 Million | $51.03 Million | ▼ -11.3% |
| 2006 | 1.11x | $59.15 Million | $53.19 Million | ▲ +6.8% |
| 2005 | 1.04x | $52.37 Million | $50.29 Million | ▼ -10.4% |
| 2004 | 1.16x | $53.89 Million | $46.34 Million | ▲ +20.4% |
| 2003 | 0.97x | $42.21 Million | $43.69 Million | ▼ -39.8% |
| 2002 | 1.60x | $52.06 Million | $32.46 Million | ▼ -90.6% |
| 1999 | 16.99x | $105.59 Million | $6.21 Million | ▲ +167.4% |
| 1998 | -25.23x | $-131.20 Million | $5.20 Million | ▼ -1774.5% |
| 1997 | -1.35x | $-35.40 Million | $26.30 Million | ▼ -143.3% |
| 1996 | 3.11x | $66.20 Million | $21.30 Million | ▲ +133.3% |
| 1995 | -9.34x | $-81.30 Million | $8.70 Million | ▼ -220.7% |
| 1994 | -2.91x | $-20.40 Million | $7.00 Million | ▼ -276.1% |
| 1993 | 1.65x | $9.10 Million | $5.50 Million | ▲ +13.3% |
| 1992 | 1.46x | $7.30 Million | $5.00 Million | ▲ +4.3% |
| 1991 | 1.40x | $4.20 Million | $3.00 Million | ▼ -2.0% |
| 1990 | 1.43x | $4.00 Million | $2.80 Million | ▼ -2.3% |
| 1989 | 1.46x | $3.80 Million | $2.60 Million | — |