C&F Financial Corporation (FRA:CFF)

C&F Financial Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	19.83	23.6	29.16	28.67
Depreciation & Amortization	3.86	3.88	4.36	4.74
Gain (Loss) on Sale of Assets	-0.13	-0.04	-3.17	-0.59
Gain (Loss) on Sale of Investments	1.27	1.49	2.29	3.55
Provision for Credit Losses	13.25	8.28	3.17	0.58
Net Decrease (Increase) in Loans Originated / Sold - Operating	-0.98	6.58	73.1	145.79
Accrued Interest Receivable	-0.19	-1.42	-2.17	1.29
Change in Other Net Operating Assets	6.29	-2.33	-7.46	-4.8
Other Operating Activities	-1.48	0.01	-3.42	-0.86
Operating Cash Flow	38.49	38.81	90.56	157.39
Operating Cash Flow Growth	-0.83%	-57.14%	-42.46%	-
Capital Expenditures	-3.49	-1.46	-3.39	-4.79
Investment in Securities	45.18	61.53	-187.39	-89.28
Net Decrease (Increase) in Loans Originated / Sold - Investing	-190.41	-114.58	-225.75	-51.96
Other Investing Activities	0.07	-1.83	5.26	7.33
Investing Cash Flow	-148.64	-56.34	-411.28	-138.69
Short-Term Debt Issued	-	21.63	1.86	14.28
Long-Term Debt Issued	40	-	-	-
Total Debt Issued	40	21.63	1.86	14.28
Short-Term Debt Repaid	-29.23	-	-	-
Long-Term Debt Repaid	-	-4	-	-
Total Debt Repaid	-29.23	-4	-	-
Net Debt Issued (Repaid)	10.77	17.63	1.86	14.28
Repurchase of Common Stock	-8.76	-7.76	-5.37	-8.23
Common Dividends Paid	-5.78	-5.99	-5.76	-5.68
Net Increase (Decrease) in Deposit Accounts	104.73	62.27	89.25	162.72
Other Financing Activities	-0.38	-0.13	-0.34	-0.71
Financing Cash Flow	100.58	66.03	79.64	162.38
Net Cash Flow	-9.57	48.5	-241.08	181.08
Free Cash Flow	35	37.35	87.17	152.6
Free Cash Flow Growth	-6.29%	-57.15%	-42.88%	-
Free Cash Flow Margin	30.71%	31.38%	72.80%	113.26%
Free Cash Flow Per Share	10.61	10.95	24.78	42.34
Cash Interest Paid	41.87	23.86	7.7	9.08
Cash Income Tax Paid	0.52	6.07	8.02	10.55

Source: S&P Global Market Intelligence. Banks template. Financial Sources.