All three tenses have at least two readings, so the archetype blend applies as printed.
All nine metrics read as filed from the record.
What did they actually do?
Has it survived what it has been through?
3 warning events since 2017; the latest 2019-04-16.
From the record
City Holding Company's filings since 2017 show 3 warning events of 2 kinds: an auditor change (8-K item 4.01, 2 times, the latest 2019-04-16); a late-report notice (Form NT 10-K or NT 10-Q, the latest 2019-03-01) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
+10.4% a year over 10 filed years; profitable in 10 of 10.
From the record
City Holding Company's 10 filed years say what it did: revenue went from $132 million in fiscal 2016 to $321 million in fiscal 2025, up 10.4% a year; it rose in 7 of 9 years; the deepest fall was 16% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
Share count shrank 0.9% a year. 64% of cash flow returned. Insiders: 16 sales, 18 purchases.
From the record
Over the 3 fiscal years to 2025-12-31, City Holding Company's diluted share count shrank about 0.9% a year, and dividends and buybacks returned about 64% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 16 sales and 18 purchases of their own stock on the open market in the year to 2026-11-05, buying about $277 thousand (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 16%: 16¢ of profit per shareholder dollar. Leverage 88%: owes 88¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, City Holding Company earned about 16 cents of profit for every dollar of shareholders' money. Leverage: it owed about 88 cents per dollar of assets, and net share issuance: its share count shrank 1.5% over the year (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
top 40% of 79 in its family; net margin 40.6%.
From the record
City Holding Company's standing among 79 graded names in its industry family: revenue of $321 million in fiscal 2025 ranks in the bottom 34% by size; a net margin of 40.6% ranks in the top 4%; revenue growth of 19.2% a year over the last 3 filed years ranks in the top 49% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
top 22% of 74 in its family for leadership; chief executive since 2006.
From the record
City Holding Company's leadership, from its insiders' filings and its current reports: the chief executive on the record is Hageboeck, Charles R (President & CEO, as filed), filing under that title since 2006-01-13, 20.8 years (top 1% of its family); the 18 officers and directors filing in the last fifteen months have been on the record a median of 10.7 years (top 8%); 7 officer or director changes were reported on Form 8-K since 2023-11-13, against the 18 people in charge now (bottom 42%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they set up to do next?
How much room does it have to grow?
top 40% of 71 in its family for room to expand.
From the record
City Holding Company's room to grow, from the newest filed statements (fiscal 2025): cash of $192 million against debt of $150 million leaves 0.6% of its assets as net cash, bottom 28% of its family; cash from operations less capital spending is 40% of revenue (top 8%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
top 40% of 79 in its family for growth drivers.
From the record
City Holding Company's growth drivers, from the filed years to fiscal 2025: revenue grew 19.2% a year over the last three filed years against 10.4% over all 10, speeding up (top 26% of its family); the newest year grew 4.8% (top 47%); capital spending grew 10.9% a year (top 46%) (its annual reports). City Holding Company tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
bottom 41% of 76 in its family for expectations against reality.
From the record
City Holding Company's newest year against its own record: revenue of $321 million in fiscal 2025 came in 17.5% below the $389 million its prior three years' pace pointed to (bottom 49% of its family); net income of $130 million against a prior three-year average of $111 million (bottom 43%); a net margin of 40.6% against 44.7% before (bottom 32%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made