For the quarter ending 2026-03-31, CHCO had $106,893K increase in cash & cash equivalents over the period. $37,282K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 31,735 | 31,568 | 35,188 | 63,729 |
| Amortization, net | 1,011 | -12,409 | 906 | 4,614 |
| Provision for credit losses | 600 | 1,100 | -500 | -2,000 |
| Depreciation of premises and equipment | 1,119 | 1,144 | 1,048 | 2,096 |
| Deferred income tax (benefit) expense | -218 | 108 | -1,595 | 1,437 |
| Net periodic employee (benefit) cost | - | -96 | - | - |
| Net periodic pension benefit | 30 | - | -24 | -48 |
| Unrealized and realized securities losses, net | - | -401 | - | - |
| Gains on sale of investment securities, net | -8 | - | 133 | -118 |
| Stock-compensation expense | 3,184 | 971 | 908 | 1,505 |
| Excess tax benefit from stock-compensation expense | - | -493 | - | - |
| Excess tax expense from stock-compensation | 347 | - | 0 | -473 |
| Increase in value of bank-owned life insurance | 980 | 864 | 919 | 2,095 |
| Loans originated for sale | 3,992 | 4,197 | 3,422 | 9,692 |
| Proceeds from the sale of loans originated for sale | 4,591 | 5,230 | 3,562 | 8,807 |
| Gain on sale of loans | 56 | 61 | 70 | 157 |
| Change in accrued interest receivable | 927 | -1,172 | 236 | 1,004 |
| Change in other assets | 4,339 | 8,435 | -1,126 | 11,539 |
| Change in other liabilities | 6,203 | 4,828 | 1,454 | 3,490 |
| Net cash provided by operating activities | 38,008 | 34,345 | 37,293 | 59,734 |
| Net decrease (increase) in loans | -10,548 | 95,431 | 72,345 | 61,983 |
| Available For Sale Securities Debt | 0 | 60,857 | 42,012 | 225,845 |
| Proceeds on sales of available for sale securities | 0 | 0 | 51,918 | 14,882 |
| Proceeds from maturities and calls | 56,694 | 77,899 | 58,345 | 98,545 |
| Other Investments | 70 | 26 | 25 | 257 |
| Proceeds from sales | - | 50 | - | - |
| Proceeds from maturities and calls | - | 0 | - | - |
| Proceeds from sales | 55 | - | 11 | 24 |
| Purchases of premises and equipment | 726 | 743 | 1,540 | 641 |
| Proceeds from the disposals of premises and equipment | 0 | 5 | -9 | 46 |
| Proceeds from bank-owned life insurance policies | 0 | 0 | 0 | 0 |
| Payments for low income housing tax credits | 1,360 | 1,249 | 4,481 | 4,164 |
| Acquisition of citizens commerce bancshares, inc | - | 0 | - | - |
| Net cash provided by investing activities | 65,176 | -80,387 | -10,138 | -179,393 |
| Net (decrease) increase in non-interest-bearing deposits | -2,760 | 36,308 | -5,934 | 38,798 |
| Proceeds from exercise of stock options | - | - | 0 | 0 |
| Net increase in interest-bearing deposits | 45,378 | 7,090 | 14,709 | 65,882 |
| Net increase in customer repurchase agreements | 7,151 | -1,338 | 29,178 | 14,179 |
| Proceeds from fhlb long-term advances | - | 0 | 0 | 0 |
| Purchases of treasury stock | 30,862 | 16,867 | 0 | 28,893 |
| Proceeds from exercise of stock options | - | 0 | - | - |
| Lease payments | 185 | -1,298 | 185 | 371 |
| Dividends paid | 14,808 | 12,640 | 11,453 | 23,201 |
| Net cash provided by financing activities | 3,914 | 12,367 | 26,315 | 66,394 |
| (decrease) increase in cash and cash equivalents | - | -33,470 | - | - |
| Increase in cash and cash equivalents | 106,893 | - | 53,470 | -53,265 |
| Cash and cash equivalents at beginning of period | 191,919 | 225,594 | 225,389 | - |
| Cash and cash equivalents at end of period | 299,017 | 191,919 | 225,594 | - |
CITY HOLDING CO (CHCO)
CITY HOLDING CO (CHCO)