C&F Financial Corporation (CFFI)

C&F Financial Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	106.21	96.78	97.71	93.46	85.37
Net Interest Income Growth	9.75%	-0.95%	4.54%	9.48%	2.20%
Non-Interest Income	34.63	30.54	29.62	29.21	49.83
Non-Interest Income Growth	13.40%	3.12%	1.38%	-41.38%	-8.75%
Revenues Before Loan Losses	140.84	127.31	127.32	122.68	135.2
Provision for Credit Losses	11.55	13.25	8.28	3.17	0.58
Revenue	129.29	114.06	119.05	119.5	134.63
Revenue Growth (YoY)	13.35%	-4.19%	-0.38%	-11.23%	5.96%
Compensation Expenses	56.78	53.58	54.88	47.87	58.58
Selling, General & Admin	28.55	26.37	24.83	24.7	25.62
Other Non-Interest Expenses	10.9	9.99	10.18	9.97	12.37
Total Non-Interest Expense	96.22	89.93	89.88	82.54	96.54
Pretax Income	33.07	24.13	29.16	36.96	38.08
Provision for Income Taxes	6.08	4.22	5.42	7.6	8.96
Net Income	26.84	19.83	23.6	29.16	28.67
Minority Interest in Earnings	0.16	0.08	0.14	0.21	0.46
Net Income to Common	26.84	19.83	23.6	29.16	28.67
Net Income Growth	35.30%	-15.97%	-19.05%	1.72%	29.62%
Shares Outstanding (Basic)	3	3	3	4	4
Shares Outstanding (Diluted)	3	3	3	4	4
Shares Change (YoY)	-1.88%	-3.29%	-2.99%	-2.41%	-1.22%
EPS (Basic)	8.29	6.01	6.92	8.29	7.95
EPS (Diluted)	8.29	6.01	6.92	8.29	7.95
EPS Growth	37.94%	-13.15%	-16.53%	4.28%	31.19%
Free Cash Flow	22.16	33.28	37.35	87.23	152.6
Free Cash Flow Growth	-33.41%	-10.90%	-57.18%	-42.84%	-
Free Cash Flow Per Share	6.85	10.09	10.95	24.80	42.34
Dividends Per Share	1.840	1.760	1.760	1.640	1.580
Dividend Growth	4.54%	-	7.32%	3.80%	3.95%
Profit Margin	20.88%	17.46%	19.95%	24.58%	21.63%
FCF Margin	17.14%	29.18%	31.38%	72.99%	113.35%
EBITDA	3.92	3.86	3.88	4.36	4.74
EBITDA Margin	3.03%	3.38%	3.26%	3.65%	3.52%
Effective Tax Rate	18.38%	17.47%	18.58%	20.55%	23.53%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q