City Holding (CHCO) risk factors, FY2025 10-K

Other

1. 01Economic Conditions in the Company's Market Areas Could Negatively Impact the Company's Business and Financial Condition
2. 02The Value of Real Estate Collateral May Fluctuate Significantly Resulting in an Under-Collateralized Loan Portfolio
3. 03The Company Is Subject to Lending Risk, and the Impacts of Interest Rate Changes Could Adversely Impact the Company
4. 04Default on the Repayment of Loans May Impact Operating Expenses and Earnings36% rewritten
5. 05Remediation Costs for Real Property Could Impact the Financial Outcomes of the Company
6. 06Changes to Interest Rates Could Impact the Financial Outcomes of the Company
7. 07The Company’s Allowance for Credit Losses May Not be Sufficient

Risks Related to an Investment in the Company's Securities

1. 08The Value of the Company’s Common Stock Fluctuates
2. 09The Trading Volume in the Company’s Common Stock Is Less Than That of Other Larger Financial Services Companies
3. 10Future Sales or the Issuance of Shares of the Company’s Common Stock Could Negatively Affect its Market Price31% rewritten
4. 11Shares of the Company’s Common Stock Are Not FDIC InsuredNew

Strategic Risks

1. 12Due to Increased Competition, the Company May Not be Able to Attract and Retain Banking Customers
2. 13New Lines of Business or New Products and Services May Subject the Company to Additional Risks
3. 14The Company Faces Technological Change and the Emergence of Nonbank Alternatives to the Financial System28% rewritten
4. 15The Value of the Company's Investments Could Decline
5. 16The Company May Be Required to Write Down Goodwill and Other Intangible Assets, Causing Its Financial Condition and Results to Be Negatively Affected
6. 17The Company May Require Additional Capital in the Future, But That Capital May Not Be Available or May Be Dilutive
7. 18Acquisition and Other Growth Opportunities May Present Challenges

Operational Risks

1. 19The Company May be Adversely Affected by the Soundness of Third Parties, Including Other Financial Institutions
2. 20The Company Depends on the Accuracy and Completeness of Information About Our Customers and Counterparties
3. 21The Company's Risk Management Practices May Prove to be Inadequate or Not Fully Effective
4. 22The Company May Not Be Able to Attract and Retain Skilled Key Employees

Risks Related to Legal, Reputational and Compliance Matters

1. 23Certain Banking Laws May Have an Anti–Takeover Effect
2. 24The Company’s Ability to Pay Dividends Is Limited
3. 25The Company and City National Are Extensively Regulated
4. 26The Company’s Controls and Procedures May Fail or Be Circumvented
5. 27The Company Faces Reputational Risk
6. 28The Company Is Subject to Possible Claims and Litigation Relating to Fiduciary Activities
7. 29Significant Legal Actions Could Result in Substantial Liabilities
8. 30Changes in Tax Law and Accounting Standards Could Materially Affect the Company's Operations

Risks Related to Privacy and Technology

1. 31System Failure, Cybersecurity Breaches, Fraud and Employee Misconduct Could Subject the Company to Increased Operating Costs, as Well as Litigation and Other Potential Losses
2. 32The Company Relies Heavily on Its Management Team, and the Unexpected Loss of Key Management May Adversely Affect Its Operations
3. 33Severe Weather, Natural Disasters, Acts of War or Terrorism, Political Instability, and Other External Events Could Significantly Impact the Company's Business
4. 34Climate Change Could Materially Impact the Company’s Underlying Customers or the General Economic Conditions, Resulting in Impacts on the Company