City Holding's 2025 earnings rise

Overview

• U.S. bank holding company reported annual net income of $130.5 million for 2025

• EPS of $8.93 for 2025 compared with $7.89 in 2024

• Net interest income for Q4 2025 decreased slightly compared to the previous quarter

• Nonperforming assets decreased to 0.32% of total loans by year-end 2025

Outlook

• Company anticipates loan growth to offset investment income decline in Q1 2026

• City Holding focuses on growing customer base and community engagement

Result Drivers

• NET INTEREST INCOME - Decrease in Q4 net interest income due to lower yields on loans and investments, and higher average balances of interest-bearing liabilities

• CREDIT QUALITY - Improved credit quality with a decrease in nonperforming assets and past due loans by year-end 2025

• NON-INTEREST INCOME - Increase in non-interest income driven by higher wealth and investment management fees and bankcard revenue

Key Details

Analyst Coverage

• The current average analyst rating on the shares is "hold" and the breakdown of recommendations is no "strong buy" or "buy", 5 "hold" and no "sell" or "strong sell"

• The average consensus recommendation for the banks peer group is "buy."

• Wall Street's median 12-month price target for City Holding Co is $130.00, about 6.8% above its January 20 closing price of $121.76

• The stock recently traded at 14 times the next 12-month earnings vs. a P/E of 15 three months ago

Press Release: ID:nBw5PKdyKa

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(This story was created using Reuters automation and AI based on LSEG and company data. It was checked and edited by a Reuters journalist prior to publication.)