C&F Financial Corporation (CFFI)

C&F Financial Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	133.86	127.09	110.94	90.83	88.12	90.99
Interest Income on Investments	14.77	12.51	13.2	10.52	5.61	5.92
Total Interest Income	148.62	139.59	124.14	101.35	93.73	96.91
Interest Paid on Deposits	39.36	38.06	20.39	5.22	5.44	9.63
Interest Paid on Borrowings	5.47	4.76	6.04	2.67	2.92	3.75
Total Interest Expense	44.83	42.82	26.43	7.89	8.36	13.38
Net Interest Income	103.79	96.78	97.71	93.46	85.37	83.53
Net Interest Income Growth (YoY)	8.55%	-0.95%	4.54%	9.48%	2.20%	3.82%
Trust Income	3.07	2.99	2.56	2.44	2.76	2.62
Mortgage Banking Activities	2.73	2.29	2.11	2.93	6.48	7.71
Gain (Loss) on Sale of Investments	-	-	-0.01	-	0.04	0.04
Other Non-Interest Income	15.76	14.83	14.84	12.26	14.66	11.96
Total Non-Interest Income	33.14	30.46	29.62	29.44	49.94	54.91
Non-Interest Income Growth (YoY)	5.57%	2.86%	0.59%	-41.05%	-9.05%	74.62%
Revenues Before Loan Losses	136.93	127.24	127.32	122.9	135.31	138.44
Provision for Loan Losses	11.5	13.25	8.28	3.17	0.58	11.08
Revenue	125.43	113.99	119.05	119.73	134.73	127.36
Revenue Growth (YoY)	9.28%	-4.25%	-0.57%	-11.13%	5.79%	23.19%
Salaries and Employee Benefits	52.88	51.66	52.88	45.89	56.88	56.1
Selling, General & Administrative	27.76	26.46	25.16	25.62	26.23	11.75
Other Non-Interest Expense	12.66	11.82	11.84	11.02	13.43	26.77
Total Non-Interest Expense	93.3	89.93	89.88	82.54	96.54	94.63
EBT Excluding Unusual Items	32.14	24.06	29.16	37.19	38.19	32.73
Other Unusual Items	-	-	-	-	-	-2.2
Pretax Income	32.21	24.13	29.16	36.96	38.08	29.22
Income Tax Expense	5.91	4.22	5.42	7.6	8.96	6.8
Earnings From Continuing Operations	26.3	19.92	23.75	29.37	29.12	22.42
Minority Interest in Earnings	-0.13	-0.08	-0.14	-0.21	-0.46	-0.31
Net Income	26.17	19.83	23.6	29.16	28.67	22.12
Net Income to Common	26.17	19.83	23.6	29.16	28.67	22.12
Net Income Growth	38.73%	-15.97%	-19.05%	1.72%	29.62%	17.28%
Basic Shares Outstanding	3	3	3	4	4	4
Diluted Shares Outstanding	3	3	3	4	4	4
Shares Change (YoY)	-3.01%	-3.29%	-2.99%	-2.41%	-1.22%	5.74%
EPS (Basic)	8.09	6.01	6.92	8.29	7.95	6.06
EPS (Diluted)	8.09	6.01	6.92	8.29	7.95	6.06
EPS Growth	43.03%	-13.11%	-16.56%	4.23%	31.22%	10.91%
Dividend Per Share	1.820	1.760	1.760	1.640	1.580	1.520
Dividend Growth	3.41%	-	7.32%	3.80%	3.95%	2.01%
Effective Tax Rate	18.34%	17.47%	18.58%	20.55%	23.53%	23.25%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q