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Financials · CFFI

C&F Financial Corporation (CFFI) financials

For the twelve months ended Sep 30, 2026, C&F Financial Corporation reported $151.22M of revenue and $30.29M of net income.

Revenue, TTM
$151.22M
Revenue growth, YoY
+10.4%
Net income, TTM
$30.29M
Net income growth, YoY
+15.7%
Net margin
20.0%
Free cash flow, TTM
$42.18M
EPS, diluted, TTM
$9.34
EPS growth, YoY
+15.9%
Cash
$45.98M
P/E
11.56
P/S
2.31
Market cap
$350.0M
Annual revenue$140.84M
FY2016FY2025
Annual net income$26.84M
FY2016FY2025
Annual free cash flow$22.16M
FY2016FY2025

CFFI revenue and earnings growth

CFFI revenueQ3 2026$38.21M

Quarter YoY
+6.1%
QoQ
-6.5%
FY YoY
+10.6%
5Y CAGR
+0.4%
10Y CAGR
+2.7%

CFFI revenue was $38.21M in fiscal Q3 2026 (ended Sep 30, 2026), up 6.1% from a year earlier and down 6.5% from the prior quarter. For the full fiscal 2025 it was $140.84M, up 10.6% from fiscal 2024. Compound annual growth was +0.4% over 5 years and +2.7% over 10 years. It rose in 6 of the last 10 fiscal years. Fiscal 2025 is the highest of the 15 fiscal years on file.

CFFI net incomeQ3 2026$8.28M

Quarter YoY
+17.0%
QoQ
-3.4%
FY YoY
+35.3%
5Y CAGR
+3.9%
10Y CAGR
+7.9%

CFFI net income was $8.28M in fiscal Q3 2026 (ended Sep 30, 2026), up 17.0% from a year earlier and down 3.4% from the prior quarter. For the full fiscal 2025 it was $26.84M, up 35.3% from fiscal 2024. Compound annual growth was +3.9% over 5 years and +7.9% over 10 years. It rose in 7 of the last 10 fiscal years.

CFFI EPSQ3 2026$2.55

Quarter YoY
+17.0%
QoQ
-3.0%
FY YoY
+37.9%
5Y CAGR
+6.5%
10Y CAGR
+8.5%

CFFI diluted EPS was $2.55 in fiscal Q3 2026 (ended Sep 30, 2026), up 17.0% from a year earlier and down 3.0% from the prior quarter. For the full fiscal 2025 it was $8.29, up 37.9% from fiscal 2024. Compound annual growth was +6.5% over 5 years and +8.5% over 10 years.

CFFI free cash flowQ3 2026$26.31M

Quarter YoY
+15.9%
QoQ
+18.1%
FY YoY
-33.4%
10Y CAGR
+5.1%

CFFI free cash flow was $26.31M in fiscal Q3 2026 (ended Sep 30, 2026), up 15.9% from a year earlier and up 18.1% from the prior quarter. For the full fiscal 2025 it was $22.16M, down 33.4% from fiscal 2024. Compound annual growth was +5.1% over 10 years. It rose in 0 of the last 4 fiscal years.

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Income statement

Income statement
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue$140.84M$127.31M$127.32M$122.68M$135.20M$138.14M$111.90M$118.92M$116.83M$115.49M
Interest expense--$26.43M$7.89M$8.36M$13.38M$14.56M$11.03M$9.60M$8.97M
Pre-tax income$33.07M$24.13M$29.16M$36.96M$38.08M$29.22M$23.93M$22.54M$17.97M$17.92M
Income tax$6.08M$4.21M$5.42M$7.59M$8.96M$6.79M$5.08M$4.52M$11.39M$4.46M
Net income$26.84M$19.83M$23.60M$29.16M$28.67M$22.12M$18.86M$18.02M$6.57M$13.46M
EPS, basic$8.29$6.01$6.92$8.29$7.95$6.06$5.47$5.15$1.89$3.90
EPS, diluted$8.29$6.01$6.92$8.29$7.95$6.06$5.47$5.15$1.88$3.89
Diluted shares3.2M3.3M3.4M3.5M3.6M3.6M3.5M3.5M3.5M3.5M

Balance sheet

Balance sheet
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Cash and equivalents$79.13M$65.59M$75.16M$26.66M$267.75M$86.67M$165.43M$115.01M--
Goodwill$25.19M$25.19M$25.19M$25.19M$25.19M$25.19M$14.43M$14.43M$14.43M$14.43M
Total assets$2.77B$2.56B$2.44B$2.33B$2.26B$2.09B$1.66B$1.52B$1.51B$1.45B
Short-term debt$20.00M$28.99M$58.22M$36.59M$34.73M$20.45M$16.36M$14.92M$20.62M$12.36M
Total liabilities$2.51B$2.34B$2.22B$2.14B$2.05B$1.89B$1.49B$1.37B$1.37B$1.31B
Shareholders' equity$261.75M$226.97M$217.52M$196.23M$211.02M$194.47M$165.28M$151.96M$141.70M$139.21M

Cash flow

Cash flow
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Operating cash flow$24.49M$36.77M$38.81M$90.56M$157.39M-$80.37M-$14.63M$47.55M$25.77M$26.98M
Capital expenditures$2.33M$3.49M$1.46M$3.39M$4.79M$10.23M$2.71M$3.37M$4.18M$2.71M
Free cash flow$22.16M$33.28M$37.35M$87.17M$152.60M-$90.60M-$17.34M$44.18M$21.59M$24.27M
Investing cash flow-$169.35M-$146.92M-$56.34M-$411.28M-$138.69M-$183.29M-$35.93M-$47.52M-$59.91M-$106.32M
Financing cash flow$158.41M$100.58M$66.03M$79.64M$162.38M$184.90M$100.98M-$4.44M$50.36M$29.61M
Dividends paid$5.95M$5.78M$5.99M$5.76M$5.67M$5.55M$5.13M$4.93M$4.64M$4.46M
Share repurchases$943.0K$8.76M$7.76M$5.37M$8.23M$1.06M$4.92M$1.54M$560.0K$414.0K
Stock-based compensation$1.85M$1.92M$1.99M$1.97M$1.70M$1.45M$1.47M$1.34M$1.45M$1.22M
Depreciation and amortization$3.92M$3.86M$3.88M$4.36M$4.74M$4.19M$3.87M$3.67M$3.45M-

Key ratios

Key ratios
Line item
FY2025
Dec 31, 2025
FY2024
Dec 31, 2024
FY2023
Dec 31, 2023
FY2022
Dec 31, 2022
FY2021
Dec 31, 2021
FY2020
Dec 31, 2020
FY2019
Dec 31, 2019
FY2018
Dec 31, 2018
FY2017
Dec 31, 2017
FY2016
Dec 31, 2016
Revenue growth, YoY10.6%-0.0%3.8%-9.3%-2.1%23.5%-5.9%1.8%1.2%7.2%
Net income growth, YoY35.3%-16.0%-19.1%1.7%29.6%17.3%4.7%174.2%-51.2%7.4%
EPS growth, YoY37.9%-13.2%-16.5%4.3%31.2%10.8%6.2%173.9%-51.7%5.7%
Net margin19.1%15.6%18.5%23.8%21.2%16.0%16.9%15.2%5.6%11.7%
Free cash flow margin15.7%26.1%29.3%71.1%112.9%-65.6%-15.5%37.2%18.5%21.0%
Return on equity10.3%8.7%10.9%14.9%13.6%11.4%11.4%11.9%4.6%9.7%
Return on assets1.0%0.8%1.0%1.3%1.3%1.1%1.1%1.2%0.4%0.9%

Source: XBRL data C&F Financial Corporation files with the SEC, latest filing dated Nov 5, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

* Worked out from the filings rather than stated in them: Q4 is the full year less the first nine months.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

CFFI peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
CFFI$151.22M+10.4%$30.29M20.0%$350.0M
JPM$203.15B+13.2%$65.98B32.5%$908.43B
BAC$120.16B+5.4%$32.24B26.8%$348.81B
WFC$87.23B+5.4%$22.97B26.3%$256.63B
C$85.22B+5.6%$14.31B16.8%$201.89B
UBS$49.57B+2.0%$7.80B15.7%$151.93B
MFG¥8.79T+7.6%¥1.16T13.2%$122.19B
COF$63.01B+31.2%$10.87B17.2%$119.45B
BNSC$37.74B+12.1%C$7.79B20.6%$114.51B

CFFI FAQ

8 questions
  • What is CFFI revenue?
    C&F Financial Corporation (CFFI) reported $151.22M of revenue for the twelve months ended Sep 30, 2026. That is up 10.4% from the year before. Revenue for fiscal 2025 was $140.84M.
  • Is CFFI profitable?
    Yes. C&F Financial Corporation earned $30.29M in net income for the twelve months ended Sep 30, 2026, a net margin of 20.0%.
  • How much cash and debt does CFFI have?
    C&F Financial Corporation reported $45.98M in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is CFFI revenue growing?
    C&F Financial Corporation's revenue changed +10.6% in fiscal 2025, to $140.84M. Its compound annual growth rate was +0.4% over 5 years and +2.7% over 10 years.
  • What is CFFI free cash flow?
    C&F Financial Corporation generated $42.18M of free cash flow for the twelve months ended Sep 30, 2026, which is operating cash flow of $48.62M less capital expenditures.
  • What is CFFI earnings per share?
    Diluted earnings per share were $9.34 for the twelve months ended Sep 30, 2026, from SEC filings, restated for any stock split those filings show.
  • When did CFFI last report financial results?
    The latest statements here come from C&F Financial Corporation's 10-Q filed on Nov 5, 2026, covering the period ended Sep 30, 2026.
  • Where does this CFFI financial data come from?
    Quantisnow builds these statements from the structured XBRL data C&F Financial Corporation files with the SEC. It is provided for information only and is not investment advice.