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Dec 31, 2025
City Holding Q4 2025 Earnings Report
City Holding reported strong fourth quarter earnings with higher total revenue and stable credit quality.
Key Takeaways
City Holding delivered solid Q4 results, driven by strong net interest income and higher non-interest income. Total revenue reached $80.2 million, with net income of $31.6 million and EPS of $2.18, while asset quality and capital levels remained robust.
Total Q4 revenue reached $80.2 million, combining net interest and non-interest income
Net income increased to $31.6 million from $28.7 million in Q4 2024
EPS rose to $2.18 compared to $1.94 in the prior-year quarter
Asset quality remained strong with non-performing assets at 0.32%
Revenue by Segment
Forward Guidance
Management expects early 2026 results to remain stable, with loan growth expected to offset lower investment income.
Positive Outlook
- Loan growth momentum exiting Q4
- Strong capital and liquidity position
- Stable credit quality and low non-performing assets
- Consistent profitability and efficiency
- Ongoing shareholder returns through dividends and buybacks
Challenges Ahead
- Lower investment income following swap maturities
- Slight pressure on net interest margin
- Higher operating expenses year over year
- Sensitivity to interest rate movements
- Macroeconomic uncertainty affecting loan demand
Historical Earnings Impact
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Avg. Return Before/After Earnings
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