City Holding Company Net Assets
City Holding Company net assets. Based on the latest financial reports, City Holding Company (CHCO) has net assets worth $808.95 Million USD as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($6.77 Billion) and total liabilities ($5.97 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. Also explore City Holding Company (CHCO) equity growth momentum to track the company's year-over-year net asset growth rate.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $808.95 Million |
| % of Total Assets | 11.94% |
| Annual Growth Rate | 9.88% |
| 5-Year Change | 18.88% |
| 10-Year Change | 82.98% |
| Growth Volatility | 123.46 |
Net Assets of City Holding Company (1989–2025)
Net assets of City Holding Company from 1989 to 2025. This chart illustrates how City Holding Company's net assets have evolved over time, based on quarterly financial data. See City Holding Company net asset quality index to measure how much of total assets are equity-financed.
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. For live market cap and overall valuation, see market cap of City Holding Company.
| 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.
City Holding Company Net Assets Breakdown (December 2025)
City Holding Company net assets breakdown by equity component as of 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 |
|---|---|
|
Xinhua Winshare Publishing and Media Co Ltd
SHG:601811
|
$2.01 Billion |
|
Far Eastern International Bank
TW:2845
|
$2.01 Billion |
|
Xiamen Intretech Inc Class A
SHE:002925
|
$2.01 Billion |
|
Perpetua Resources Corp
NASDAQ:PPTA
|
$2.01 Billion |
|
Jiangsu Shemar Electric Co Ltd
SHG:603530
|
$2.01 Billion |
|
Perrigo Company PLC
NYSE:PRGO
|
$2.01 Billion |
|
Shanghai Film Co Ltd
SHG:601595
|
$2.01 Billion |
|
PSG Konsult Ltd
JSE:KST
|
$2.01 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: 2.54x
- 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 15.31x to 2.54x 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 | $142.95 | x |
| 1990-12-31 | $9.99 | $142.95 | x |
| 1991-12-31 | $10.76 | $142.95 | x |
| 1992-12-31 | $11.14 | $142.95 | x |
| 1993-12-31 | $8.89 | $142.95 | x |
| 1994-12-31 | $10.88 | $142.95 | x |
| 1995-12-31 | $10.64 | $142.95 | x |
| 1996-12-31 | $12.82 | $142.95 | x |
| 1997-12-31 | $36.17 | $142.95 | x |
| 1998-12-31 | $13.04 | $142.95 | x |
| 1999-12-31 | $11.79 | $142.95 | x |
| 2000-12-31 | $9.68 | $142.95 | x |
| 2001-12-31 | $8.67 | $142.95 | x |
| 2002-12-31 | $9.69 | $142.95 | x |
| 2003-12-31 | $11.25 | $142.95 | x |
| 2004-12-31 | $12.80 | $142.95 | x |
| 2005-12-31 | $16.51 | $142.95 | x |
| 2006-12-31 | $17.19 | $142.95 | x |
| 2007-12-31 | $17.36 | $142.95 | x |
| 2008-12-31 | $17.58 | $142.95 | x |
| 2009-12-31 | $19.39 | $142.95 | x |
| 2010-12-31 | $20.12 | $142.95 | x |
| 2011-12-31 | $20.56 | $142.95 | x |
| 2012-12-31 | $22.52 | $142.95 | x |
| 2013-12-31 | $24.66 | $142.95 | x |
| 2014-12-31 | $25.29 | $142.95 | x |
| 2015-12-31 | $27.63 | $142.95 | x |
| 2016-12-31 | $29.67 | $142.95 | x |
| 2017-12-31 | $32.55 | $142.95 | x |
| 2018-12-31 | $39.10 | $142.95 | x |
| 2019-12-31 | $307.05 | $142.95 | x |
| 2020-12-31 | $43.83 | $142.95 | x |
| 2021-12-31 | $44.21 | $142.95 | x |
| 2022-12-31 | $38.85 | $142.95 | x |
| 2023-12-31 | $45.47 | $142.95 | x |
| 2024-12-31 | $49.72 | $142.95 | x |
| 2025-12-31 | $56.36 | $142.95 | 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 (11.44%), 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 | 1.78% | 34.28% | 0.05x | 1.00x | $-412.16 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: $308,911,800
- Average return on equity (ROE) among peers: 0.08%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| City Holding Company (CHCO) | $808.95 Million | 9.56% | 7.37x | $2.01 Billion |
| Ameris Bancorp (ABCB) | $71.80 Million | 9.61% | 9.10x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $30.50 Million | 10.16% | 8.60x | $5.57 Billion |
| ACNB Corporation (ACNB) | $62.69 Million | 13.30% | 9.05x | $645.30 Million |
| Affinity Bancshares Inc (AFBI) | $76.38 Million | 0.59% | 3.01x | $140.18 Million |
| Alerus Financial Corp (ALRS) | $196.95 Million | 13.13% | 10.06x | $829.34 Million |
| Amalgamated Bank (AMAL) | $794.46 Million | 13.15% | 10.16x | $1.27 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $979.96 Million |
| Arrow Financial Corporation (AROW) | $34.90 Million | -95.70% | 21.06x | $715.76 Million |
| Associated Banc-Corp (ASB) | $803.60 Million | 13.32% | 11.60x | $5.84 Billion |
| AmeriServ Financial Inc (ASRV) | $116.60 Million | 10.72% | 9.65x | $77.09 Million |
About 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