City Holding Reports Q4 Net Income of $31.6M, Misses Revenue Estimates

City Holding Co. (CHCO) reported fourth-quarter net income of $31.6 million, or $2.18 per share, on Wednesday, January 21, 2026. The Charleston, West Virginia-based bank holding company posted revenue of $101.1 million, with net revenue after interest expense at $80.2 million—below Wall Street expectations. For the full year 2025, City Holding reported total profit of $130.5 million, or $8.93 per share, on revenue of $314.2 million. The company’s performance reflects ongoing pressure from rising interest costs and competitive lending conditions in its regional market. Analysts noted that while earnings per share exceeded prior-year levels, the revenue shortfall contributed to a modest decline in investor sentiment following the release.