CFFI
C & F Financial (CFFI)
NASDAQ
$70.78+$0.40 (+0.56%)
Price as of Jun 03, 2026 4:10 PM EDT
  • $242.4M
    Market Cap
  • 10.94%
    1-Year Change
  • Banks - Regional
    Industry
Annual
Quarterly
12/31/2025
12/31/2024
12/31/2023
12/31/2022
Income Statement
Total Operating Revenue
106.2M
+9.75%
96.8M
-0.95%
97.7M
+4.54%
93.5M
+9.48%
Cost of Revenue
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Gross Profit
106.2M
+9.75%
96.8M
-0.95%
97.7M
+4.54%
93.5M
+9.48%
Sales and Marketing Expense
2.4M
+94.81%
1.2M
-21.64%
1.5M
-14.24%
1.8M
+18.52%
Research and Development Expense
-12.0M
+5.73%
-11.3M
+4.05%
-10.9M
+3.42%
-10.5M
-5.18%
Depreciation and Amortization Expense
3.9M
+1.71%
3.9M
-0.57%
3.9M
-10.95%
4.4M
-8.12%
Total Operating Expenses
96.2M
+6.99%
89.9M
+0.05%
89.9M
+9.87%
81.8M
-14.67%
Operating Profit
33.1M
+37.04%
24.1M
-17.25%
29.2M
-21.10%
37.0M
-2.94%
Interest Income
151.5M
+8.53%
139.6M
+12.45%
124.1M
+22.48%
101.4M
+8.14%
Interest Expense
N/A
N/A
-2.3M
-91.22%
-26.4M
+234.98%
-7.9M
-5.61%
Interest Income and Expense and Net
151.5M
+10.36%
137.3M
+40.49%
97.7M
+4.54%
93.5M
+9.48%
Total Nonoperating Income and Expense
106.2M
+9.75%
96.8M
-0.95%
97.7M
+4.54%
93.5M
+9.48%
Income before Taxes
33.1M
+37.04%
24.1M
-17.25%
29.2M
-21.10%
37.0M
-2.94%
Income Taxes
6.1M
+44.25%
4.2M
-22.20%
5.4M
-28.66%
7.6M
-15.22%
Extraordinary Items
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Net Income
26.8M
+35.30%
19.8M
-15.97%
23.6M
-19.05%
29.2M
+1.72%
Net Income from Continuing Operations Applicable to Common
33.1M
+37.04%
24.1M
-17.25%
29.2M
-21.10%
37.0M
-2.94%
Basic EPS and Net Income
8.29
+37.94%
6.01
-13.15%
6.92
-16.53%
8.29
+4.28%
Diluted EPS and Net Income
8.29
+37.94%
6.01
-13.15%
6.92
-16.53%
8.29
+4.28%
Basic Weighted Average Shares
3.2M
-1.88%
3.3M
-3.29%
3.4M
-2.99%
3.5M
-2.41%
Diluted Weighted Average Shares
3.2M
-1.88%
3.3M
-3.29%
3.4M
-2.99%
3.5M
-2.41%
Balance Sheet
Cash and Cash Equivalents
13.6M
-15.72%
16.2M
-1.34%
16.4M
-16.46%
19.6M
-0.42%
Short-Term Investments
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash and Cash Equivalents and Short-Term Investments
13.6M
-15.72%
16.2M
-1.34%
16.4M
-16.46%
19.6M
-0.42%
Total Current Assets
57.6M
-0.52%
57.9M
-6.96%
62.2M
+3.91%
59.9M
+5.65%
Accumulated Depreciation
44.2M
+6.47%
41.5M
+2.66%
40.4M
+8.24%
37.3M
+7.89%
Property and Plant and Equipment and Net
39.2M
-2.29%
40.1M
-4.28%
41.9M
-4.41%
43.8M
-2.12%
Total Long-Term Assets
57.6M
-0.52%
57.9M
-6.96%
62.2M
+3.91%
59.9M
+5.65%
Total Assets
2.8B
+8.00%
2.6B
+5.12%
2.4B
+4.55%
2.3B
+2.99%
Income Taxes Payable
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Short-Term Debt
20.0M
-31.02%
29.0M
-50.20%
58.2M
+59.11%
36.6M
+5.35%
Total Current Liabilities
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Total Long-Term Debt
25.5M
+0.14%
25.5M
+0.14%
25.4M
-54.19%
55.5M
-0.42%
Total Long-Term Liabilities
5.0M
-27.80%
6.9M
-23.27%
9.0M
-3.29%
9.3M
+36.84%
Total Liabilities
2.5B
+7.27%
2.3B
+5.20%
2.2B
+3.97%
2.1B
+4.02%
Retained Earnings
268.7M
+8.43%
247.8M
+6.01%
233.8M
+7.62%
217.2M
+12.08%
Total Stockholders Equity
261.8M
+15.64%
226.4M
+4.37%
216.9M
+10.86%
195.6M
-6.98%
Total Shares Outstanding
3.2M
+0.38%
3.2M
-4.16%
3.4M
-2.95%
3.5M
-1.94%
Cash Flow
Cash from Operating Activities
24.5M
-36.37%
38.5M
-0.83%
38.8M
-57.14%
90.6M
-42.46%
Capital Expenditures
2.3M
-33.19%
3.5M
+138.93%
1.5M
-57.01%
3.4M
-29.08%
Cash from Investing Activities
-169.4M
+13.94%
-148.6M
+163.83%
-56.3M
-86.30%
-411.3M
+196.54%
Dividends Paid
6.0M
+2.99%
5.8M
-3.44%
6.0M
+4.00%
5.8M
+1.43%
Cash from Financing Activities
158.4M
+57.50%
100.6M
+52.33%
66.0M
-17.09%
79.6M
-50.96%
Financials Ratio
Gross Margin
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Operating Margin
31.14%
+24.86%
24.94%
-16.45%
29.85%
-24.53%
39.55%
-11.34%
Return on Assets
1.01%
+26.92%
0.79%
-19.85%
0.99%
-22.01%
1.27%
-3.73%
Return on Equity
11.00%
+22.86%
8.95%
-21.80%
11.44%
-20.34%
14.37%
+1.26%
Revenue Growth
9.75%
+1,122.06%
-0.95%
-121.01%
4.54%
-52.12%
9.48%
+330.94%
Current Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Cash Ratio
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Debt-to-Equity Ratio
0.17
-27.76%
0.24
-37.62%
0.39
-18.06%
0.47
+9.44%
Debt-to-Assets Ratio
0.02
-22.64%
0.02
-38.19%
0.03
-13.16%
0.04
-1.00%

Earnings & Revenue History

Debt-to-Assets

Cash Flow