C&F Financial (CFFI) Financial Statements & Analysis

C&F Financial (CFFI) Income Statement

C&F Financial reported revenue of $186.13M in fiscal 2025 (fiscal year ended Dec 31, 2025), up 63.2% from $114.06M a year earlier. Net income was $26.84M, up 35.3% year over year, a net margin of 14.4%. Gross margin was 69.5% and operating margin 17.8%. In the most recent quarter, Q2 fiscal 2026 (ended Jun 30, 2026), revenue was $50.05M, up 6.9% from the same quarter a year earlier.

C&F Financial Income Statement Analysis

Values in millions USD

Income Statement Balance Sheet Cash Flow Ratios

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C&F Financial Corporation income statement - Annual data in millions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	186.13	114.06	123.33	119.73	131.62	148.21	124.79	117.47	116.83
Cost of Revenue	56.84	56.07	34.71	11.06	8.93	24.46	23.07	22.03	26.04
Gross Profit	129.29	110.44	115.05	112.39	131.04	123.75	101.72	95.44	90.79
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	56.78	26.37	58.08	24.70	61.17	59.33	48.98	43.60	45.12
Operating Expenses	96.22	86.31	85.89	75.42	92.96	94.53	77.78	72.90	72.82
Operating Income	33.07	24.13	29.16	36.96	38.36	29.22	23.93	22.54	17.97
Other Income/Expense
Interest Income	151.50	139.59	124.14	101.35	93.73	96.91	95.01	92.55	89.59
Interest Expense	45.29	42.82	26.43	7.89	8.36	13.38	14.56	11.03	9.60
Other Income/Expense	0.00	0.00	0.00	0.00	-0.28	0.00	0.00	0.00	0.00
Income
Income Before Tax	33.07	24.13	29.16	36.96	38.08	29.22	23.93	22.54	17.97
Income Tax Expense	6.08	4.22	5.42	7.60	8.96	6.80	5.08	4.52	11.39
Net Income	26.84	19.83	23.60	29.16	28.67	22.12	18.86	18.02	6.57
Net Income - Continuous Operations	26.84	19.92	23.75	29.16	29.12	22.12	18.86	18.02	6.57
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	36.61	3.86	3.88	4.36	4.74	33.41	27.80	26.21	21.41
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	3.54	3.86	3.88	4.36	4.74	4.19	3.87	3.67	3.45
Earnings Per Share
Basic EPS	8.00	6.00	7.00	8.00	8.00	6.00	5.00	5.00	2.00
Diluted EPS	8.00	6.00	7.00	8.00	8.00	6.00	5.00	5.00	2.00
Basic Shares Outstanding	3.24	3.30	3.41	3.52	3.60	3.65	3.45	3.50	3.49
Diluted Shares Outstanding	3.24	3.30	3.41	3.52	3.60	3.65	3.45	3.50	3.49

Source: Company financial statements from annual and quarterly filings. Data as of Jun 30, 2026. Data sources and methodology

Frequently Asked Questions About C&F Financial Financial Statements

What was C&F Financial's revenue in fiscal 2025?

C&F Financial reported revenue of $186.13M in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 63.2% from $114.06M a year earlier.

Is C&F Financial profitable?

Yes. C&F Financial earned net income of $26.84M in fiscal 2025, a net margin of 14.4%. In fiscal 2024 it earned $19.83M.

What is C&F Financial's operating margin?

C&F Financial's operating income was $33.07M on revenue of $186.13M in fiscal 2025, an operating margin of 17.8%, compared with 21.2% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition