C & F Financial Corp (CFFI) Financial Statements
Industry: State Commercial Banks
In fiscal 2025, C & F Financial reported revenue of $140.8M, up 10.6% from $127.3M the year before. Net income was $26.8M (a 19.1% net margin), or $8.29 per diluted share. Net interest income was $106.2M, and the efficiency ratio (noninterest expense / revenue) was 68.3%. Operating activities generated $24.5M of cash, leaving $22.2M of free cash flow. At fiscal year end, C & F Financial held $2.77B in total assets against $2.51B in total liabilities.
Open the full interactive C & F Financial financials → Quarterly statements, key ratios, valuation history and price charts.
C & F Financial Key Stats
| Share Price | $104.13 |
|---|---|
| Market Cap | $338.6M |
| P/E Ratio | 12.6 |
| Dividend Yield | 1.80% |
| Revenue YoY Growth | +10.6% |
| 52-Week Range | $65.16 – $104.13 |
| Shares Outstanding | 3.3 million (basic, 2026 Q2) |
C & F Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $83.5M | $85.4M | $93.5M | $97.7M | $96.8M | $106.2M |
| Provision for Credit Losses | $11.1M | $575,000 | $3.2M | $8.3M | $13.2M | $11.6M |
| Noninterest Income | $55.4M | $49.2M | $28.5M | $29.6M | $30.5M | $34.6M |
| Noninterest Expense | $98.7M | $95.9M | $81.8M | $89.9M | $89.9M | $96.2M |
| Revenue | $138.9M | $134.5M | $121.9M | $127.3M | $127.3M | $140.8M |
| Pre-Tax Income | $29.2M | $38.1M | $37.0M | $29.2M | $24.1M | $33.1M |
| Income Tax | $6.8M | $9.0M | $7.6M | $5.4M | $4.2M | $6.1M |
| Net Income | $22.1M | $28.7M | $29.2M | $23.6M | $19.8M | $26.8M |
| Diluted EPS | $6.06 | $7.95 | $8.29 | $6.92 | $6.01 | $8.29 |
C & F Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $36.0M | $35.9M | $36.3M | $40.9M |
| Net Income | $7.1M | $6.7M | $6.7M | $8.6M |
| Diluted EPS | $2.18 | $2.07 | $2.08 | $2.63 |
C & F Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | $1.31B | $1.37B | $1.60B | $1.70B | $1.88B | $2.01B |
| Total Assets | $2.09B | $2.26B | $2.33B | $2.44B | $2.56B | $2.77B |
| Deposits | $1.75B | $1.91B | $2.00B | $2.07B | $2.17B | $2.35B |
| Total Long-Term Debt | $55.7M | $55.7M | $55.5M | $25.4M | $85.5M | $85.5M |
| Total Liabilities | $1.89B | $2.05B | $2.14B | $2.22B | $2.34B | $2.51B |
| Shareholders' Equity | $193.8M | $210.3M | $195.6M | $216.9M | $226.4M | $261.8M |
C & F Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | -$80.4M | $157.4M | $90.6M | $38.8M | $38.5M | $24.5M |
| Cash From Investing | -$183.3M | -$138.7M | -$411.3M | -$56.3M | -$148.6M | -$169.4M |
| Cash From Financing | $184.9M | $162.4M | $79.6M | $66.0M | $100.6M | $158.4M |
| Free Cash Flow | -$90.6M | $152.6M | $87.2M | $37.4M | $35.0M | $22.2M |
| Dividends Paid | $5.5M | $5.7M | $5.8M | $6.0M | $5.8M | $6.0M |
Figures from C & F Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full C & F Financial financials page for every line item.
C & F Financial Company Profile
| Ticker | CFFI |
|---|---|
| Exchange | Nasdaq |
| Industry | State Commercial Banks |
| Headquarters | Toano, Virginia |
| Incorporated in | Virginia |
| Fiscal Year End | December 31 |
| SEC Filer Category | Accelerated filer, smaller reporting company |
| SEC CIK | 0000913341 |
Frequently Asked Questions
What was C & F Financial's revenue in fiscal 2025?
C & F Financial (CFFI) reported revenue of $140.8M for fiscal 2025.
What is C & F Financial's annual revenue history?
C & F Financial's annual revenue by fiscal year: 2020: $138.9M; 2021: $134.5M; 2022: $121.9M; 2023: $127.3M; 2024: $127.3M; 2025: $140.8M.
What was C & F Financial's net income in fiscal 2025?
C & F Financial reported net income of $26.8M for fiscal 2025.
What was C & F Financial's earnings per share (EPS) in fiscal 2025?
C & F Financial's diluted EPS was $8.29 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did C & F Financial generate in fiscal 2025?
C & F Financial generated $22.2M of free cash flow in fiscal 2025.
What was C & F Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), C & F Financial reported revenue of $40.9M.
How much debt does C & F Financial have?
C & F Financial reported $85.5M of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of C & F Financial are outstanding?
C & F Financial reported a weighted average of 3.3 million basic shares outstanding in 2026 Q2.
What is C & F Financial's market cap?
Based on its latest closing price, C & F Financial (CFFI) has a market capitalization of about $338.6M.
When does C & F Financial's fiscal year end?
C & F Financial's fiscal year end, as registered with the SEC, is December 31.
Where is C & F Financial headquartered?
C & F Financial lists its business address in Toano, Virginia in its SEC filings.