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C&F Financial Corporation (CFFI)
NASDAQ: CFFI · Real-Time Price · USD
84.94
-3.90 (-4.39%)
At close: Aug 21, 2026, 4:00 PM EDT
85.10
+0.16 (0.19%)
After-hours: Aug 21, 2026, 7:30 PM EDT

C&F Financial Financials Overview

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
136.33129.29114.06119.05119.73134.73
Revenue Growth
11.61%13.35%-4.19%-0.57%-11.13%5.79%
Net Income
29.0926.8419.8323.629.1628.67
Earnings Per Share
8.978.296.016.928.297.95
EPS Growth
18.62%37.89%-13.11%-16.56%4.23%31.22%

Revenue by Segment
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Consumer Finance
15.1715.3115.4518.7524.6328.53
Mortgage Banking
17.6115.8312.1211.2814.1634.3
Community Banking
105.699.2687.6389.0486.8972.12
Other
-1.89-0.94-0.960.01-5.59-0.14
Eliminations
-0.17-0.17-0.18-0.04-0.58-0.17
Total
136.33129.29114.06119.05119.5134.63

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
66.1982.8171.9883.0235.32272.74
Total Debt
120.6118.52129.51118.53101.3897.92
Net Cash (Debt)
-54.41-35.72-57.53-35.51-66.06174.82
Net Cash Growth
-----1539.15%
Net Cash Per Share
-16.77-11.03-17.44-10.41-18.7848.50

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
42.7924.4936.7738.8190.56157.39
Capital Expenditures
-4.23-2.33-3.49-1.46-3.39-4.79
Free Cash Flow
38.5622.1633.2837.3587.17152.6
Free Cash Flow Growth
29.82%-33.41%-10.90%-57.15%-42.88%-

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
21.34%20.76%17.39%19.83%24.35%21.28%
FCF Margin
28.29%17.14%29.18%31.38%72.80%113.26%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
1.9201.8401.7601.7601.6401.580
Dividend Per Share Growth
4.44%4.54%0%7.32%3.80%3.95%
Dividend Yield
2.26%2.57%2.57%2.77%3.12%3.53%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
9.478.7611.629.736.956.32
P/FCF Ratio
7.1610.616.926.152.331.19
PS Ratio
2.031.822.021.931.691.34