C&F Financial Corporation (CFFI)

C&F Financial Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	108.91	106.21	96.78	97.71	93.46	85.37
Net Interest Income Growth	10.42%	9.75%	-0.95%	4.54%	9.48%	2.20%
Non-Interest Income	35.61	34.63	30.54	29.62	29.21	49.83
Non-Interest Income Growth	-1.96%	13.40%	3.12%	1.38%	-41.38%	-8.75%
Revenues Before Loan Losses	144.52	140.84	127.31	127.32	122.68	135.2
Provision for Credit Losses	12.15	11.55	13.25	8.28	3.17	0.58
Revenue	132.37	129.29	114.06	119.05	119.5	134.63
Revenue Growth (YoY)	8.32%	13.35%	-4.19%	-0.38%	-11.23%	5.96%
Compensation Expenses	57.65	56.78	53.58	54.88	47.87	58.58
Selling, General & Admin	28.83	28.55	26.37	24.83	24.7	25.62
Other Non-Interest Expenses	11	10.9	9.99	10.18	9.97	12.37
Total Non-Interest Expense	97.48	96.22	89.93	89.88	82.54	96.54
Pretax Income	34.89	33.07	24.13	29.16	36.96	38.08
Provision for Income Taxes	6.5	6.08	4.22	5.42	7.6	8.96
Net Income	28.21	26.84	19.83	23.6	29.16	28.67
Minority Interest in Earnings	0.18	0.16	0.08	0.14	0.21	0.46
Net Income to Common	28.21	26.84	19.83	23.6	29.16	28.67
Net Income Growth	29.42%	35.30%	-15.97%	-19.05%	1.72%	29.62%
Shares Outstanding (Basic)	3	3	3	3	4	4
Shares Outstanding (Diluted)	3	3	3	3	4	4
Shares Change (YoY)	-0.76%	-1.88%	-3.29%	-2.99%	-2.41%	-1.22%
EPS (Basic)	8.70	8.29	6.01	6.92	8.29	7.95
EPS (Diluted)	8.70	8.29	6.01	6.92	8.29	7.95
EPS Growth	30.24%	37.94%	-13.15%	-16.53%	4.28%	31.19%
Shares Outstanding	3.26	3.25	3.23	3.37	3.48	3.55
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	1.860	1.840	1.760	1.760	1.640	1.580
Dividend Growth	1.09%	4.54%	-	7.32%	3.80%	3.95%
Profit Margin	21.45%	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	18.63%	18.38%	17.47%	18.58%	20.55%	23.53%

Updated Apr 23, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q