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

Core Insights - City Holding (CHCO) reported revenue of $80.2 million for Q4 2025, marking an 11.8% year-over-year increase, but fell short of the Zacks Consensus Estimate by 1.36% [1] - The earnings per share (EPS) for the quarter was $2.18, compared to $1.94 a year ago, but was below the consensus estimate of $2.29, resulting in a surprise of -4.6% [1] Financial Performance Metrics - The efficiency ratio was reported at 48.2%, slightly above the average estimate of 47.9% from two analysts [4] - The net interest margin was 3.9%, below the estimated 4% by two analysts [4] - The average balance of interest-earning assets totaled $6.13 billion, exceeding the estimated $6.08 billion [4] - Total non-interest income was $19.64 million, below the average estimate of $20 million [4] - Net interest income was reported at $60.56 million, also below the estimated $61.21 million [4] Stock Performance - City Holding's shares have returned -1.9% over the past month, compared to a -0.4% change in the Zacks S&P 500 composite [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market [3]