C & F Financial Corp
CFFI- Exchange
- Nasdaq
- Industry
- State Commercial Banks
- SEC CIK
- 0000913341
In the last 90 days, C & F Financial Corp insiders filed 0 open-market purchases and 4 sales; 80 institutions reported holding it in 13F filings for Q2 2026, worth $108.0M in total; no superinvestor holds it.
- Currency
- USD
- Source
- SEC XBRL data (10-K, 10-Q, 20-F, 40-F)
- Updated
- Nov 8, 2026, 10:35 PM ET
Revenue flow, FY2025
Where the revenue went in FY2025, from the income statement below. Green is profit; orange is costs, expenses and taxes. Percentages are shares of revenue; hover over a band or a bar for the exact amount.
Income statement
Each column is one fiscal year, newest first.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 27, 2026 | Jan 28, 2025 | Jan 24, 2024 | Jan 24, 2023 | Jan 25, 2022 |
| Revenue | $140.8M | $127.3M | $127.3M | $121.9M | $134.5M |
| Interest expense | – | – | $26.4M | $7.89M | $8.36M |
| Income tax | $6.08M | $4.21M | $5.42M | $7.59M | $8.96M |
| Net income | $26.8M | $19.8M | $23.6M | $29.2M | $28.7M |
| EPS, basic | $8.29 | $6.01 | $6.92 | $8.29 | $7.95 |
| EPS, diluted | $8.29 | $6.01 | $6.92 | $8.29 | $7.95 |
| Weighted shares, basic | 3.24M | 3.30M | 3.41M | 3.52M | 3.60M |
| Weighted shares, diluted | 3.24M | 3.30M | 3.41M | – | 3.60M |
| Margins and growth | |||||
| Net margin | 19.1% | 15.6% | 18.5% | 23.9% | 21.3% |
| Revenue growth, year over year | +10.6% | 0.0% | +4.4% | −9.4% | −11.7% |
| Net income growth, year over year | +35.3% | −16.0% | −19.1% | +1.7% | +29.6% |
Balance sheet
Each column is one fiscal year, newest first.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 27, 2026 | Jan 28, 2025 | Jan 24, 2024 | Jan 24, 2023 | Jan 25, 2022 |
| Property, plant and equipment | $39.2M | $40.1M | $41.9M | $43.8M | $44.8M |
| Goodwill | $25.2M | $25.2M | $25.2M | $25.2M | $25.2M |
| Intangible assets | $909.0K | $1.15M | $1.41M | $1.68M | $1.98M |
| Total assets | $2.77B | $2.56B | $2.44B | $2.33B | $2.26B |
| Short-term debt | $20.0M | $29.0M | $58.2M | $36.6M | $34.7M |
| Total liabilities | $2.51B | $2.34B | $2.22B | $2.14B | $2.05B |
| Shareholders' equity | $262.3M | $227.0M | $217.5M | $196.2M | $211.0M |
Cash flow statement
Each column is one fiscal year, newest first. Free cash flow is operating cash flow minus capital expenditures.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 27, 2026 | Jan 28, 2025 | Jan 24, 2024 | Jan 24, 2023 | Jan 25, 2022 |
| Operating cash flow | $24.5M | $38.5M | $38.8M | $90.6M | $157.4M |
| Capital expenditures | $2.33M | $3.49M | $1.46M | $3.39M | $4.79M |
| Free cash flow | $22.2M | $35.0M | $37.4M | $87.2M | $152.6M |
| Depreciation and amortization | $3.92M | $3.86M | $3.88M | $4.36M | $4.74M |
| Stock-based compensation | $1.85M | $1.92M | $1.99M | $1.97M | $1.70M |
| Dividends paid | $5.95M | $5.78M | $5.99M | $5.76M | $5.67M |
| Share buybacks | $943.0K | $8.76M | $7.76M | $5.37M | $8.23M |
| Investing cash flow | -$169.4M | -$148.6M | -$56.3M | -$411.3M | -$138.7M |
| Financing cash flow | $158.4M | $100.6M | $66.0M | $79.6M | $162.4M |
| Ratio | |||||
| Stock-based compensation, % of revenue | 1.3% | 1.5% | 1.6% | 1.6% | 1.3% |
Shares outstanding
Common shares outstanding as stated on the cover of each 10-K and 10-Q. The date is the cover date, not the period end; a rising count means dilution.
| Cover date | Shares outstanding | Change in a year | Filing |
|---|---|---|---|
| Nov 4, 2026 | 3.25M | +0.4% | SEC |
| Aug 6, 2026 | 3.25M | +0.4% | SEC |
| May 7, 2026 | 3.25M | +0.4% | SEC |
| Feb 27, 2026 | 3.26M | +0.5% | SEC |
| Nov 3, 2025 | 3.24M | +0.4% | SEC |
| Aug 8, 2025 | 3.24M | −0.9% | SEC |
| May 2, 2025 | 3.24M | −3.5% | SEC |
| Feb 24, 2025 | 3.24M | −4.0% | SEC |
Notes and known gaps
How these numbers are put together, and what they can't tell you.
- Numbers come from the XBRL data in each period's original 10-K, 10-Q, 20-F or 40-F, or its amendment. They are shown as filed: later filings don't restate earlier periods here.
- Reported is the filing date of the first 8-K with Item 2.02 (results of operations) after the period ended, no later than the 10-Q or 10-K and within 120 days. Companies that release results only in the 10-Q, and foreign companies, which use Form 6-K, have none.
Known gaps
- Foreign companies that file Form 20-F or 40-F have annual statements only: their quarterly results are furnished on Form 6-K, which has no XBRL data.
- EPS and share counts are as reported at the time, not adjusted for later stock splits.
- For ADRs, EPS is per ordinary share, not per ADS (one TSMC ADS is five ordinary shares).
- For banks, revenue may be interest income only, depending on how the bank tags its filings; cost of revenue and gross profit are usually blank.
- Companies with several share classes, such as Berkshire Hathaway, may have no EPS and no cover share count.
- Depreciation and amortization is missing for some companies that report it under their own XBRL tags.