CHCO at a glance
CITY HOLDING CO (CHCO, SEC CIK 726854) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on September 30, 2026 and Form 4 insider filings as recently as August 27, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), CITY HOLDING CO (CHCO) reported revenue of $74.3 million (up 3.2% from FY2024) and net income of $130.5 million. Diluted EPS was $8.93.
- As of June 30, 2026, 32 institutional investment managers tracked by SignalX reported holding CITY HOLDING CO (CHCO) shares worth $956.0 million in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Rowe Sharon H on August 26, 2026 of 400 shares at $143.96 per share.
- In the last 90 days, CHCO insiders reported 4 open-market purchases ($60K) and 2 open-market sales ($708K) on Form 4, a net sale of $648K.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $74.3M
- +3.2% vs prior year
- Insiders · 90 days
- 4 buys · 2 sells
- Net −$648K
- 13F holders
- 32 funds
- $956.0M · +0 vs prior quarter
- Latest 8-K
- Sep 30, 2026
- Item 5.02
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business: Community banking via City National Bank with services in commercial, consumer, mortgage, wealth/investment management
- New emphasis: 35% of commercial loans ($807M) originated outside branch geographic footprint, up from 19% ($420M) in prior year due to Columbus branch closure
- Strategic shift: Geographic loan portfolio diversification increasing, reducing reliance on physical branches
- Quantitative highlight: Employee count steady at 950 (934 FTEs) with under 6% quarterly turnover in 2025
- Market share: 13% deposits in WV counties, 24% in eastern KY, 5% along VA I-81 corridor, 19% in Lawrence County, Ohio
Risk Factors
- Operational risk from dependency on Information Security Officer for cybersecurity program management and incident response leadership
- Governance risk with Chief Legal Counsel responsible for regulatory compliance communication on cybersecurity to board
- Cybersecurity risk monitored by Incident Response Team including CEO, key for timely threat assessments and control coordination
Management Discussion & Analysis
- Revenue: Net interest income $236.4M in 2025, up 7.3% from $220.2M in 2024
- Profitability: Net interest margin 3.94% in 2025 vs 3.86% in 2024; ROA 1.97% vs 1.85%; ROE 16.9% vs 16.4%
- Segment: Single reportable segment – community banking; loan portfolio growth 5.4% to $4.5B driven by commercial (+8.1%) and residential real estate (+4.7%)
- Cash flow & capital: Dividends $3.32/share ($~$48.5M est.), up from $3.01/share; shares repurchased (amount not specified); cash $191.9M down 14.9% mainly due to loan growth and buybacks
- Outlook & risks: 2026 dividends guided at $3.48/share (~$50M); liquidity adequate per management; allowance for credit losses sensitive to economic variables but no major revisions expected
AI summary of the CHCO 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Net income $33.3M vs $33.4M YoY; EPS $2.35 vs $2.29
- Net interest income $60.8M vs $58.9M; margin 3.97% vs 3.95%
- Commercial, financial and agriculture loans $2.32B, largest portfolio; consumer loans $41.5M, smallest average balance
- Cash and equivalents $267.2M, up $75.3M or 39.2% from December 31, 2025
- Credit-loss provision $0.4M vs $1.9M recovery YoY; no updated outlook or guidance disclosed
Risk Factors
- No risk-factors section provided in the submitted excerpt
- New capital-allocation risk: March 2026 authorization to repurchase 1,000,000 shares, approximately 7% of outstanding shares
- Liquidity risk: Share repurchases totaled 74,158 shares through June 2026 at average prices up to $123.42
- Regulatory-compliance exposure: Sarbanes-Oxley certifications filed under Sections 302 and 906
AI summary of the CHCO 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Jessica R. Alsop and Vonda R. Huss appointed as Class I and Class II directors, respectively, effective September 30, 2026
- Both directors stand for shareholder election at the 2027 Annual Meeting
Item EX-99.1: Item EX-99.1
- Jessica Alsop appointed immediately to City Holding’s Board, strengthening legal and corporate governance expertise
- Shareholder election scheduled for April 2027, with expected Class I term expiration in 2030
Item 8.01: Other Events
- Quarterly cash dividend increased 15% to $1.00 per common share from $0.87
- Shareholder record date October 15, 2026
Item EX-99.1: Item EX-99.1
- Quarterly dividend raised 15% to $1.00 per share from $0.87, signaling stronger shareholder-return commitment
- Annualized dividend reaches $4.00 per share, increasing income potential for shareholders
Item 2.02: Results of Operations and Financial Condition
- Q2 2026 earnings results for quarter ended June 30, 2026
- News release issued July 22, 2026; detailed financial figures in Exhibit 99.1
Item EX-99.1: Item EX-99.1
- Q2 net income $33.3M and diluted EPS $2.35, up from $31.7M and $2.20 in Q1
- Net interest margin held at 3.97%, while tax-equivalent net interest income rose 1.9% to $61.0M
AI summaries of CHCO 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for CHCO
Don't miss the next CHCO filing
- Alerts as it files. A push when CHCO files an 8-K or an insider trades.
- Fund moves. Which tracked funds opened, added or cut CHCO, by share count.
- Ask anything. An AI agent that reads every CHCO filing and answers with sources.
CHCO alerts on your phone. Follow it in the SignalX Android app.
Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Rowe Sharon H | Sell | Aug 26, 2026 | 400 | $143.96 |
| HAGEBOECK CHARLES R | Sell | Jul 30, 2026 | 4,485 | $144.96 |
| FISHER ROBERT D | Buy | Jul 21, 2026 | 156 | $134.55 |
| Reyes Javier A | Buy | Jul 21, 2026 | 83 | $134.55 |
| Hoyer James A | Buy | Jul 21, 2026 | 95 | $134.55 |
| Jones J. Thomas | G | Jul 21, 2026 | 730 | - |
| STRONG-TREISTER DIANE W | Buy | Jul 21, 2026 | 110 | $134.55 |
| HAGEBOECK CHARLES R | Sell | May 29, 2026 | 1,858 | $124.40 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $69.1M | $72.0M | $74.3M |
| Net Income | $114.4M | $117.1M | $130.5M |
| Net Margin | 165.6% | 162.7% | 175.6% |
| Balance Sheet | |||
| Total Assets | $6.2B | $6.5B | $6.7B |
| Equity | $677.1M | $730.7M | $809.7M |
| ROE | 16.9% | 16.0% | 16.1% |
| Per Share | |||
| EPS | - | $7.89 | $8.93 |
| Cash Flow | |||
| Operating CF | $137.6M | $131.9M | $131.4M |
| CapEx | $3.0M | $2.7M | $2.9M |
Source: XBRL data in CITY HOLDING CO (CHCO)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate CHCO share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 32 | $956.0M |
| Q1 2026 | 32 | $852.5M |
| Q4 2025 | 29 | $834.7M |
| Q3 2025 | 31 | $896.0M |
| Q2 2025 | 31 | $861.3M |
| Q1 2025 | 28 | $593.0M |
| Q4 2024 | 23 | $524.0M |
| Q3 2024 | 20 | $315.4M |
- State Street Corp+69.5K (+10%)
- AQR Capital Management+34.3K (+258%)
- Dimensional Fund Advisors+19.3K (+4%)
- Vanguard Capital Management LLC+17.4K (+3%)
- D.E. Shaw & Co+11.8K (+228%)
- WESTWOOD HOLDINGS GROUP INC−32.4K (-6%)
- Millennium Management−24.1K (-36%)
- Two Sigma Investments−15.4K (-6%)
- Goldman Sachs Group−14.7K (-16%)
- CITY HOLDING CO−10.8K (-4%)
Source: 13F-HR filings on SEC EDGAR (aggregated from 226 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
CHCO filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 8-K | Sep 30, 2026 | - | Analysis | - |
| 8-K | Sep 30, 2026 | - | Analysis | - |
| 4 | Aug 27, 2026 | - | - | - |
| SC 13G | Aug 7, 2026 | - | - | |
| 10-Q | Aug 5, 2026 | Jun 30, 2026 | Analysis | |
| 4 | Jul 31, 2026 | - | - | - |
| 8-K | Jul 22, 2026 | - | Analysis | - |
| 4 | Jul 21, 2026 | - | - | - |
| 4 | Jul 21, 2026 | - | - | - |
| 4 | Jul 21, 2026 | - | - | - |
| 4 | Jul 21, 2026 | - | - | - |
| 4 | Jul 21, 2026 | - | - | - |
| 13F-HR | Jul 10, 2026 | Jun 30, 2026 | - | |
| 4 | Jun 1, 2026 | - | - | |
| 8-K | May 28, 2026 | - | Analysis | |
| 8-K | May 28, 2026 | - | Analysis | |
| 4 | May 27, 2026 | - | - | |
| 4 | May 13, 2026 | - | - | |
| 4 | May 7, 2026 | - | - | |
| 10-Q | May 6, 2026 | Mar 31, 2026 | Analysis | |
| 8-K | May 1, 2026 | - | Analysis | - |
| 8-K | Apr 29, 2026 | - | Analysis | - |
| 4 | Apr 29, 2026 | - | - | - |
| 8-K | Apr 29, 2026 | - | Analysis | - |
| SC 13G | Apr 29, 2026 | - | - |
Related Financials companies
- ALRS · ALERUS FINANCIAL CORPNational Commercial Banks
- AMTB · Amerant Bancorp Inc.National Commercial Banks
- ATLO · AMES NATIONAL CORPNational Commercial Banks
- AROW · ARROW FINANCIAL CORPNational Commercial Banks
- BANC · BANC OF CALIFORNIA, INC.National Commercial Banks
- BANF · BANCFIRST CORP /OK/National Commercial Banks
- TBBK · Bancorp, Inc.National Commercial Banks
- BFC · Bank First CorpNational Commercial Banks
CHCO SEC filings: frequently asked questions
Are CHCO insiders buying or selling?
In the last 90 days, CITY HOLDING CO (CHCO) officers, directors and 10% owners reported 4 open-market purchases worth $59,740 by 4 insiders and 2 open-market sales worth $707,713 by 2 insiders on Form 4, a net sale of $647,973. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold CHCO stock?
As of June 30, 2026, the largest CITY HOLDING CO (CHCO) holders among the 13F filers tracked by SignalX were BlackRock ($270.2 million), Vanguard Portfolio Management LLC ($127.0 million), State Street Corp ($101.5 million), Vanguard Capital Management LLC ($83.9 million), WESTWOOD HOLDINGS GROUP INC ($72.0 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was CHCO's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), CITY HOLDING CO (CHCO) reported revenue of $74.3 million (up 3.2% from FY2024) and net income of $130.5 million. Diluted EPS was $8.93. The figures come from the XBRL data in the 10-K.
What are the main risks in CHCO's latest 10-K?
In the 10-K filed February 25, 2026, CITY HOLDING CO (CHCO) flagged: Operational risk from dependency on Information Security Officer for cybersecurity program management and incident response leadership. Governance risk with Chief Legal Counsel responsible for regulatory compliance communication on cybersecurity to board. (AI summary of the Risk Factors section.)
What did CHCO report in its latest 8-K?
CITY HOLDING CO (CHCO) filed an 8-K on September 30, 2026 reporting Item 5.02 (Departure/Appointment of Directors or Principal Officers). Jessica R. Alsop and Vonda R. Huss appointed as Class I and Class II directors, respectively, effective September 30, 2026.
What are the latest CHCO SEC filings?
CITY HOLDING CO (CHCO) filed its latest 10-K annual report on February 25, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on September 30, 2026 and a Form 4 insider filing on August 27, 2026.
What is CHCO's SEC CIK number?
CITY HOLDING CO (CHCO)'s SEC Central Index Key (CIK) is 726854. EDGAR lists every CHCO filing under that number.
Ask anything about CHCO
The research agent reads CHCO's filings, financials, insider trades and 13F holders, then answers with sources.