City Holding vs Midland States Bancorp
City Holding and Midland States Bancorp are similar in size: $314m and $325m of revenue in their latest fiscal years. City Holding grew faster (7.0% against -13.4%). City Holding kept more of each dollar of sales as profit: a net margin of 41.5% against -38.2%.
| Latest fiscal year | City HoldingCHCO, 2025 | Midland States BancorpMSBI, 2025 |
|---|---|---|
| Revenue | $314m | $325m |
| Revenue growth | 7.0% | -13.4% |
| Net income | $130m | −$124m |
| Operating margin | — | — |
| Net margin | 41.5% | -38.2% |
| Return on equity | 16.9% | -19.5% |
| Free cash flow | $128m | $120m |
| Cash | $192m | $128m |
| Total debt | $150m | $60.2m |
| Debt to equity | — | — |
| Dividend per share | $3.32 | $1.26 |
| Dividend yield | 2.4% | 4.0% |
| Share buybacks | $45.8m | $9.7m |
| Employees | — | 861 |
| Market value | $2.02bn | $695m |
| Price vs our value range | — | — |
| Moat score | 94 (Strong) | 50 (Moderate) |
| Insider trades, 12 months | 18 buys, 15 sales | 7 buys, 5 sales |