NASDAQ · Financial Statements

C&F Financial Corporation (CFFI) Financial Statements

$107.33 NASDAQ: CFFI Market Cap $349.00M

C&F Financial Corporation most recently reported annual revenue of $186.0M, net profit of $27.0M. Revenue grew at an average annual rate of 4.7% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

C&F Financial Corporation: Revenue rose from $115.0M in 2016 to $186.0M in 2025, a change of +61.7% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 15.5% to 17.8%, a shift of +2.3 percentage points; the most recent year shows net profit of $27.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$115.0M$117.0M$117.0M$125.0M$148.0M$140.0M$123.0M$150.0M$167.0M$186.0M
Operating Expenses$98.0M$99.0M$95.0M$101.0M$119.0M$102.0M$86.0M$121.0M$142.0M$153.0M
Operating Profit$18.0M$18.0M$23.0M$24.0M$29.0M$38.0M$37.0M$29.0M$24.0M$33.0M
Operating Margin15.5%15.4%19.2%19.2%19.7%27.2%29.9%19.5%14.5%17.8%
Other Income$0$0$0$0$0$0$0$0$0$0
Interest$9.0M$10.0M$11.0M$15.0M$13.0M$8.0M$8.0M$26.0M$43.0M$45.0M
Depreciation$3.0M$3.0M$4.0M$4.0M$4.0M$5.0M$4.0M$4.0M$4.0M$4.0M
Profit Before Tax$18.0M$18.0M$23.0M$24.0M$29.0M$38.0M$37.0M$29.0M$24.0M$33.0M
Tax$24.9M$63.4M$20.1M$21.2M$23.3M$23.5M$20.6M$18.6M$17.5M$18.4M
Net Profit$13.0M$7.0M$18.0M$19.0M$22.0M$29.0M$29.0M$24.0M$20.0M$27.0M
EPS$3.89$1.88$5.15$5.47$6.06$7.95$8.29$6.92$6.01$8.29
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$37.0M$40.0M$39.0M$41.0M$44.0M$42.0M$43.0M$47.0M$47.0M$48.0M$48.0M$50.0M
Operating Expenses$30.0M$34.0M$35.0M$35.0M$37.0M$35.0M$36.0M$37.0M$38.0M$40.0M$39.0M$39.0M
Operating Profit$7.0M$6.0M$4.0M$6.0M$7.0M$7.0M$7.0M$10.0M$9.0M$8.0M$8.0M$11.0M
Operating Margin19.3%15.3%10.2%15.1%15.2%17.0%15.3%20.6%18.9%17.0%17.5%21.7%
Interest$7.0M$8.0M$10.0M$10.0M$11.0M$11.0M$11.0M$11.0M$12.0M$12.0M$11.0M$11.0M
Profit Before Tax$7.0M$6.0M$4.0M$6.0M$7.0M$7.0M$7.0M$10.0M$9.0M$8.0M$8.0M$11.0M
Tax$18.6M$17.9M$14.1M$19.2M$18.7M$16.7M$17.3M$19.3M$19.4M$17.0M$18.6M$20.6M
Net Profit$6.0M$5.0M$3.0M$5.0M$5.0M$6.0M$5.0M$8.0M$7.0M$7.0M$7.0M$9.0M
EPS$1.71$1.50$1.01$1.50$1.65$1.87$1.66$2.37$2.19$2.07$2.08$2.63

Over the 10 years reported for C&F Financial Corporation, borrowings decreased from $165.0M in 2016 to $113.0M in 2025, cash stood at $79.0M in the latest year, shareholders' equity was $3.0M, current assets covered current liabilities 0.18 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$1.5B$1.5B$1.5B$1.7B$2.1B$2.3B$2.3B$2.4B$2.6B$2.8B
Current Assets$320.0M$346.0M$337.0M$362.0M$381.0M$648.0M$548.0M$548.0M$143.0M$418.0M
Cash$103.0M$119.0M$115.0M$165.0M$87.0M$268.0M$27.0M$75.0M$66.0M$79.0M
Inventory$0$0$0$0$0$0$0$0$0$0
Receivables$7.0M$8.0M$7.0M$7.0M$8.0M$7.0M$9.0M$10.0M$11.0M$12.0M
Fixed Assets$36.0M$37.0M$37.0M$35.0M$44.0M$45.0M$44.0M$42.0M$40.0M$39.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$1.2B$1.3B$1.3B$1.4B$1.8B$1.8B$2.1B$2.2B$2.3B$2.4B
Other Assets$14.0M$14.0M$14.0M$14.0M$25.0M$25.0M$25.0M$25.0M$25.0M$25.0M
Total Liabilities$1.3B$1.4B$1.4B$1.5B$1.9B$2.1B$2.1B$2.2B$2.3B$2.5B
Current Liabilities$1.1B$1.2B$1.2B$1.3B$1.8B$1.9B$2.0B$2.1B$2.2B$2.4B
Borrowings$165.0M$168.0M$160.0M$161.0M$76.0M$90.0M$92.0M$110.0M$123.0M$113.0M
Other Liabilities$1.1B$1.2B$1.2B$1.3B$1.8B$2.0B$2.0B$2.1B$2.2B$2.4B
Equity$3.0M$3.0M$3.0M$3.0M$4.0M$3.0M$3.0M$3.0M$3.0M$3.0M
Reserves$139.0M$142.0M$152.0M$165.0M$194.0M$210.0M$196.0M$217.0M$226.0M$262.0M

For C&F Financial Corporation, operating cash flow was positive in 8 of 10 reported years; free cash flow in the latest year was $22.0M; free cash flow was positive in 8 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$27.0M$26.0M$48.0M$-15.0M$-80.0M$157.0M$91.0M$39.0M$38.0M$24.0M
Investing Cash Flow$-109.0M$-64.0M$-51.0M$-39.0M$-194.0M$-143.0M$-415.0M$-58.0M$-152.0M$-172.0M
Financing Cash Flow$47.0M$52.0M$9.0M$105.0M$288.0M$154.0M$84.0M$54.0M$96.0M$173.0M
Net Cash Flow$-50.0M$16.0M$-4.0M$50.0M$-79.0M$181.0M$-241.0M$48.0M$-10.0M$14.0M
Free Cash Flow$24.0M$22.0M$44.0M$-17.0M$-91.0M$153.0M$87.0M$37.0M$35.0M$22.0M

Valuation & Return Ratios

MetricValue
PEG Ratio0.58
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y15.48%
Return 3Y52.59%
Return 5Y73.07%

C&F Financial Corporation (CFFI) financials — frequently asked questions

What is C&F Financial Corporation's annual revenue?

C&F Financial Corporation (CFFI) reported annual revenue of $186.0M in its most recent fiscal year.

What is C&F Financial Corporation's net profit?

C&F Financial Corporation (CFFI) reported net profit of $27.0M in its most recent fiscal year.

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