City Holding Posts Q2 2026 Net Income of $33.3M, $2.35 EPS, as Net Interest Income Climbs
CHCO sits 22% above its 52-week low of $113.21.
Summary
City Holding reported Q2 2026 net income of $33.3 million, or $2.35 per share, driven by higher net interest income and better credit quality, while continuing share repurchases and dividends.
Key Events · Earnings and Guidance · CHCO
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Q2 Earnings Beat
Net income came in at $33.3 million, producing diluted EPS of $2.35, up from $2.29 a year ago. Return on assets reached 1.98% and return on tangible equity hit 20.7%.
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Net Interest Income Growth
Driven by higher loan yields and increased deposit balances, net interest income rose 1.9% sequentially to $60.8 million. The net interest margin held steady at 3.97%.
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Credit Quality Improvement
Nonperforming assets declined to 0.24% of loans from 0.27% last quarter. A $0.4 million provision for credit losses was recorded, primarily tied to a commercial real estate loan downgrade.
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Capital Return to Shareholders
Under the 1-million-share buyback program, 59,156 shares were repurchased at an average price of $122.46. A quarterly dividend of $0.87 per share was declared, payable July 31.
Analysis · CHCO · Finance
City Holding turned in a solid second quarter, with net income reaching $33.3 million and diluted EPS of $2.35, fueled by a 1.9% rise in net interest income to $60.8 million. Credit quality strengthened as nonperforming assets fell to 0.24% of loans, though the company set aside a $0.4 million provision for credit losses, compared with a recovery in the year-ago period. The balance sheet remains robust, highlighted by a tangible equity ratio of 9.85% and strong regulatory capital ratios. Under its existing buyback program, the company repurchased 59,156 shares at an average price of $122.46, and it declared a quarterly dividend of $0.87 per share. Trading near its 52-week high, the stock reflects market confidence in the bank's consistent execution and capital return strategy.
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At the time of this filing, CHCO was trading at $138.08 on NASDAQ in the Finance sector, with a market capitalization of approximately $1.9B. The 52-week trading range was $113.21 to $138.36. This filing was assessed with positive market sentiment and an importance score of 7 out of 10.