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Compared to Estimates, City Holding (CHCO) Q4 Earnings: A Look at Key Metrics

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City Holding (CHCO - Free Report) reported $80.2 million in revenue for the quarter ended December 2025, representing a year-over-year increase of 11.8%. EPS of $2.18 for the same period compares to $1.94 a year ago.

The reported revenue represents a surprise of -1.36% over the Zacks Consensus Estimate of $81.3 million. With the consensus EPS estimate being $2.29, the EPS surprise was -4.6%.

While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.

Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.

Here is how City Holding performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
  • Efficiency Ratio: 48.2% compared to the 47.9% average estimate based on two analysts.
  • Net Interest Margin: 3.9% versus 4% estimated by two analysts on average.
  • Interest-earning assets - Total - Average balance: $6.13 billion versus $6.08 billion estimated by two analysts on average.
  • Total Non-Interest Income: $19.64 million versus the two-analyst average estimate of $20 million.
  • Net Interest Income: $60.56 million versus $61.21 million estimated by two analysts on average.

View all Key Company Metrics for City Holding here>>>

Shares of City Holding have returned -1.9% over the past month versus the Zacks S&P 500 composite's -0.4% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.

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