C&F Financial Corporation (CFFI)

C&F Financial Balance Sheet

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
Cash & Equivalents	-	65.59	75.16	26.66	267.75	86.67
Investment Securities	519.88	242.02	306.43	338.48	184.19	164.16
Trading Asset Securities	-	6.39	7.86	8.66	4.99	12.77
Mortgage-Backed Securities	-	182.44	161.7	179.92	190.35	123.71
Total Investments	519.88	430.85	475.98	527.06	379.53	300.64
Gross Loans	2,008	1,920	1,742	1,636	1,411	1,355
Allowance for Loan Losses	-39.45	-40.09	-39.65	-40.52	-40.16	-39.16
Other Adjustments to Gross Loans	-	-	-	-	-0.68	-2.16
Net Loans	1,969	1,880	1,702	1,595	1,370	1,313
Property, Plant & Equipment	-	49.67	50	52.3	53.9	52.73
Goodwill	-	25.19	25.19	25.19	25.19	25.19
Other Intangible Assets	-	1.15	1.41	1.68	1.98	2.29
Loans Held for Sale	33.48	20.11	14.18	14.26	82.3	214.27
Accrued Interest Receivable	-	10.59	10.4	8.98	6.81	8.1
Restricted Cash	-	-	-	-	3.88	9.92
Long-Term Deferred Tax Assets	-	17.72	18.73	22.01	13.61	13.56
Other Real Estate Owned & Foreclosed	-	2.1	0.65	0.35	1.03	1.2
Other Long-Term Assets	189.16	56.51	61.39	57.5	57.63	56.87
Total Assets	2,711	2,563	2,438	2,332	2,265	2,086
Interest Bearing Deposits	2,298	1,380	1,290	1,293	1,218	1,125
Institutional Deposits	-	264.41	226.42	105.68	114.53	125.29
Non-Interest Bearing Deposits	-	526.07	549.37	605.21	581.69	501.95
Total Deposits	2,298	2,171	2,066	2,004	1,915	1,752
Short-Term Borrowings	-	33.63	64.33	42.92	38.87	30.57
Current Portion of Leases	-	1.05	-	-	-	-
Accrued Interest Payable	-	4.4	3.49	0.95	0.72	1.11
Long-Term Debt	73.41	59.99	19.97	23.97	24.03	24.09
Federal Home Loan Bank Debt, Long-Term	40	-	-	-	-	-
Long-Term Leases	-	9.38	8.8	9.11	9.67	8.79
Trust Preferred Securities	-	25.46	25.42	25.39	25.35	25.32
Other Long-Term Liabilities	45.96	31.64	32.83	29.9	40.25	49.79
Total Liabilities	2,457	2,336	2,221	2,136	2,053	1,892
Common Stock	253.28	3.11	3.24	3.33	3.41	3.51
Additional Paid-In Capital	-	0.04	6.57	12.05	15.19	21.43
Retained Earnings	-	247.81	233.76	217.21	193.81	170.82
Comprehensive Income & Other	-	-24.6	-26.69	-36.96	-2.09	-1.96
Total Common Equity	253.28	226.36	216.88	195.63	210.32	193.81
Minority Interest	0.6	0.61	0.64	0.6	0.71	0.67
Shareholders' Equity	253.89	226.97	217.52	196.23	211.02	194.47
Total Liabilities & Equity	2,711	2,563	2,438	2,332	2,265	2,086
Total Debt	113.41	129.51	118.53	101.38	97.92	88.77
Net Cash (Debt)	-32.56	-57.53	-35.51	-66.06	174.82	10.67
Net Cash Growth	-	-	-	-	1539.15%	700.08%
Net Cash Per Share	-10.07	-17.44	-10.41	-18.78	48.50	2.92
Filing Date Shares Outstanding	3.24	3.24	3.37	3.47	3.55	3.68
Total Common Shares Outstanding	3.24	3.23	3.37	3.48	3.55	3.67
Book Value Per Share	78.23	70.00	64.28	56.27	59.32	52.80
Tangible Book Value	253.28	200.02	190.28	168.76	183.15	166.32
Tangible Book Value Per Share	78.23	61.86	56.39	48.54	51.66	45.32

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

SEC Filings: 10-K · 10-Q