City Holding Company
City Holding Company operates as a financial holding company for City National Bank of West Virginia that provides banking, trust and investment management, and other financial solutions in the United States. It offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. The company also provides commercial and industrial loans that … Read more
City Holding Company (CHCO) - Net Assets
Latest net assets as of December 2025: $809.68 Million USD
Based on the latest financial reports, City Holding Company (CHCO) has net assets worth $809.68 Million USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($6.72 Billion) and total liabilities ($5.91 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $809.68 Million |
| % of Total Assets | 12.05% |
| Annual Growth Rate | 9.88% |
| 5-Year Change | 18.88% |
| 10-Year Change | 82.98% |
| Growth Volatility | 123.46 |
City Holding Company - Net Assets Trend (1989–2025)
This chart illustrates how City Holding Company's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for City Holding Company (1989–2025)
The table below shows the annual net assets of City Holding Company from 1989 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $809.68 Million | +10.81% |
| 2024-12-31 | $730.66 Million | +7.92% |
| 2023-12-31 | $677.07 Million | +17.17% |
| 2022-12-31 | $577.85 Million | -15.16% |
| 2021-12-31 | $681.11 Million | -2.85% |
| 2020-12-31 | $701.11 Million | -86.02% |
| 2019-12-31 | $5.02 Billion | +730.86% |
| 2018-12-31 | $603.61 Million | +20.15% |
| 2017-12-31 | $502.39 Million | +13.54% |
| 2016-12-31 | $442.49 Million | +5.57% |
| 2015-12-31 | $419.16 Million | +7.01% |
| 2014-12-31 | $391.72 Million | +0.94% |
| 2013-12-31 | $388.08 Million | +16.44% |
| 2012-12-31 | $333.27 Million | +7.12% |
| 2011-12-31 | $311.13 Million | -1.18% |
| 2010-12-31 | $314.86 Million | +1.93% |
| 2009-12-31 | $308.90 Million | +8.66% |
| 2008-12-31 | $284.30 Million | -3.30% |
| 2007-12-31 | $293.99 Million | -3.71% |
| 2006-12-31 | $305.31 Million | +4.51% |
| 2005-12-31 | $292.14 Million | +35.20% |
| 2004-12-31 | $216.08 Million | +13.31% |
| 2003-12-31 | $190.69 Million | -24.60% |
| 2002-12-31 | $252.89 Million | +8.14% |
| 2001-12-31 | $233.85 Million | -6.82% |
| 2000-12-31 | $250.96 Million | -12.27% |
| 1999-12-31 | $286.04 Million | +29.96% |
| 1998-12-31 | $220.10 Million | -0.09% |
| 1997-12-31 | $220.30 Million | +177.46% |
| 1996-12-31 | $79.40 Million | +8.62% |
| 1995-12-31 | $73.10 Million | +28.47% |
| 1994-12-31 | $56.90 Million | +20.04% |
| 1993-12-31 | $47.40 Million | +7.73% |
| 1992-12-31 | $44.00 Million | +41.03% |
| 1991-12-31 | $31.20 Million | +7.22% |
| 1990-12-31 | $29.10 Million | +6.99% |
| 1989-12-31 | $27.20 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to City Holding Company's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 5971.7% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $935.05 Million | 115.48% |
| Common Stock | $47.62 Million | 5.88% |
| Other Comprehensive Income | $-76.62 Million | -9.46% |
| Total Equity | $809.68 Million | 100.00% |
City Holding Company Competitors by Market Cap
The table below lists competitors of City Holding Company ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Wesdome Gold Mines Ltd
OTCQX:WDOFF
|
$1.66 Billion |
|
Micronics Japan Co., Ltd.
PINK:MJPNF
|
$1.66 Billion |
|
SpareBank 1 SMN
PINK:SRMGF
|
$1.66 Billion |
|
Challenger Limited
PINK:CFIGF
|
$1.66 Billion |
|
Investment AB Latour (publ)
OTCGREY:IVTBF
|
$1.66 Billion |
|
Bank of Zhengzhou Co Ltd Class A
SHE:002936
|
$1.65 Billion |
|
Almonty Industries Inc. Common Shares
NASDAQ:ALM
|
$1.65 Billion |
|
Kiniksa Pharmaceuticals Ltd
NASDAQ:KNSA
|
$1.65 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in City Holding Company's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 730,664,000 to 809,680,000, a change of 79,016,000 (10.8%).
- Net income of 130,485,000 contributed positively to equity growth.
- Dividend payments of 47,294,000 reduced retained earnings.
- Share repurchases of 45,760,000 reduced equity.
- Other comprehensive income increased equity by 39,103,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $130.49 Million | +16.12% |
| Dividends Paid | $47.29 Million | -5.84% |
| Share Repurchases | $45.76 Million | -5.65% |
| Other Comprehensive Income | $39.10 Million | +4.83% |
| Other Changes | $2.48 Million | +0.31% |
| Total Change | $- | 10.81% |
Book Value vs Market Value Analysis
This analysis compares City Holding Company's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 2.09x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 12.62x to 2.09x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1989-12-31 | $9.34 | $117.81 | x |
| 1990-12-31 | $9.99 | $117.81 | x |
| 1991-12-31 | $10.76 | $117.81 | x |
| 1992-12-31 | $11.14 | $117.81 | x |
| 1993-12-31 | $8.89 | $117.81 | x |
| 1994-12-31 | $10.88 | $117.81 | x |
| 1995-12-31 | $10.64 | $117.81 | x |
| 1996-12-31 | $12.82 | $117.81 | x |
| 1997-12-31 | $36.17 | $117.81 | x |
| 1998-12-31 | $13.04 | $117.81 | x |
| 1999-12-31 | $11.79 | $117.81 | x |
| 2000-12-31 | $9.68 | $117.81 | x |
| 2001-12-31 | $8.67 | $117.81 | x |
| 2002-12-31 | $9.69 | $117.81 | x |
| 2003-12-31 | $11.25 | $117.81 | x |
| 2004-12-31 | $12.80 | $117.81 | x |
| 2005-12-31 | $16.51 | $117.81 | x |
| 2006-12-31 | $17.19 | $117.81 | x |
| 2007-12-31 | $17.36 | $117.81 | x |
| 2008-12-31 | $17.58 | $117.81 | x |
| 2009-12-31 | $19.39 | $117.81 | x |
| 2010-12-31 | $20.12 | $117.81 | x |
| 2011-12-31 | $20.56 | $117.81 | x |
| 2012-12-31 | $22.52 | $117.81 | x |
| 2013-12-31 | $24.66 | $117.81 | x |
| 2014-12-31 | $25.29 | $117.81 | x |
| 2015-12-31 | $27.63 | $117.81 | x |
| 2016-12-31 | $29.67 | $117.81 | x |
| 2017-12-31 | $32.55 | $117.81 | x |
| 2018-12-31 | $39.10 | $117.81 | x |
| 2019-12-31 | $40.31 | $117.81 | x |
| 2020-12-31 | $43.83 | $117.81 | x |
| 2021-12-31 | $44.21 | $117.81 | x |
| 2022-12-31 | $38.85 | $117.81 | x |
| 2023-12-31 | $45.47 | $117.81 | x |
| 2024-12-31 | $49.72 | $117.81 | x |
| 2025-12-31 | $56.36 | $117.81 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently City Holding Company utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 16.12%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 33.28%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 8.30x
- Recent ROE (16.12%) is above the historical average (11.75%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1989 | 9.56% | 8.90% | 0.09x | 11.32x | $-120.00K |
| 1990 | 9.62% | 8.92% | 0.09x | 11.71x | $-110.00K |
| 1991 | 9.62% | 9.04% | 0.09x | 11.29x | $-120.00K |
| 1992 | 11.36% | 12.53% | 0.07x | 12.11x | $600.00K |
| 1993 | 11.73% | 11.90% | 0.07x | 13.67x | $810.00K |
| 1994 | 12.30% | 11.73% | 0.08x | 13.72x | $1.31 Million |
| 1995 | 11.90% | 10.69% | 0.08x | 14.24x | $1.39 Million |
| 1996 | 26.83% | 12.09% | 0.17x | 13.21x | $13.36 Million |
| 1997 | 11.94% | 12.78% | 0.09x | 10.38x | $4.27 Million |
| 1998 | 2.36% | 1.93% | 0.10x | 12.29x | $-16.81 Million |
| 1999 | 3.13% | 2.44% | 0.09x | 14.06x | $-13.64 Million |
| 2000 | -23.48% | -15.73% | 0.09x | 16.34x | $-54.72 Million |
| 2001 | -17.77% | -11.80% | 0.10x | 14.46x | $-40.63 Million |
| 2002 | 19.63% | 19.91% | 0.08x | 12.38x | $15.92 Million |
| 2003 | 22.91% | 27.84% | 0.07x | 11.61x | $24.62 Million |
| 2004 | 21.45% | 28.35% | 0.07x | 10.24x | $24.74 Million |
| 2005 | 17.21% | 27.09% | 0.07x | 8.57x | $21.07 Million |
| 2006 | 17.42% | 25.29% | 0.08x | 8.21x | $22.66 Million |
| 2007 | 17.36% | 23.91% | 0.09x | 8.44x | $21.63 Million |
| 2008 | 9.89% | 13.52% | 0.08x | 9.10x | $-320.60K |
| 2009 | 13.81% | 22.52% | 0.07x | 8.49x | $11.75 Million |
| 2010 | 12.37% | 23.07% | 0.06x | 8.38x | $7.47 Million |
| 2011 | 13.07% | 24.58% | 0.06x | 8.93x | $9.56 Million |
| 2012 | 11.69% | 23.63% | 0.06x | 8.75x | $5.62 Million |
| 2013 | 12.42% | 24.91% | 0.06x | 8.68x | $9.41 Million |
| 2014 | 13.52% | 28.70% | 0.05x | 8.84x | $13.79 Million |
| 2015 | 12.91% | 30.21% | 0.05x | 8.86x | $12.18 Million |
| 2016 | 11.78% | 27.95% | 0.05x | 8.97x | $7.88 Million |
| 2017 | 10.81% | 26.80% | 0.05x | 8.23x | $4.07 Million |
| 2018 | 11.60% | 31.82% | 0.04x | 8.12x | $9.64 Million |
| 2019 | 13.57% | 34.28% | 0.05x | 7.62x | $23.51 Million |
| 2020 | 12.78% | 35.13% | 0.04x | 8.21x | $19.48 Million |
| 2021 | 12.93% | 38.52% | 0.04x | 8.81x | $19.97 Million |
| 2022 | 17.66% | 39.91% | 0.04x | 10.17x | $44.29 Million |
| 2023 | 16.89% | 34.20% | 0.05x | 9.11x | $46.66 Million |
| 2024 | 16.03% | 31.54% | 0.06x | 8.84x | $44.03 Million |
| 2025 | 16.12% | 33.28% | 0.06x | 8.30x | $49.52 Million |
Industry Comparison
This section compares City Holding Company's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| City Holding Company (CHCO) | $809.68 Million | 9.56% | 7.30x | $1.66 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |