What is C&F Financial Corp's earnings per share (EPS)?

C&F Financial Corp (CFFI) reported diluted earnings per share of $8.29 for fiscal year 2025. This represents a 37.9% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

C&F Financial (CFFI) Financials

CFFI NASDAQ

Trailing 12 months to June 30, 2026

Revenue $149.0M +10.8% YoY

Net Income $29.1M +18.8% YoY

EPS (Diluted) $8.96 +18.8% YoY

Free Cash Flow $38.6M +29.8% YoY

Market Cap $353.9M as of Oct 26, 2026

Price / Sales 2.4x on $149.0M revenue, trailing 12 months to June 30, 2026

Price / Earnings 12.2x on $29.1M net income, trailing 12 months to June 30, 2026

Price / Book 1.3x on $277.8M equity, Q2 FY2026

A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Oct 26, 2026; every other figure is from the SEC filings on this page. Not financial advice.

Source SEC Filings (10-K/10-Q) Latest period Q2 FY2026, ended Jun 30, 2026 Reported Aug 10, 2026 Currency USD FYE December

Newest figures come from the 10-Q for Q2 FY2026, filed Aug 10, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CFFI SEC filings page.

C&F Financial Corp (CFFI) reported $149.0M in revenue over the twelve months to Jun 30, 2026, up 10.8% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI CFFI FY2025 2026-10-25

Profit recovered in FY2025, but cash generation weakened as the balance sheet expanded and liabilities remained the primary funding source.

Net income reached $26.8M in FY2025, while operating cash flow fell to $24.5M. That reversal pulled cash conversion from 185.4% in FY2024 to 91.3%, showing the earnings recovery was not fully arriving as cash.

Assets expanded to $2.8B as liabilities reached $2.5B in FY2025. Liabilities still represented 90.5% of assets, although that was modestly below 91.1% in FY2024; the funding model remained liability-heavy even as equity grew 15.6%.

Free cash flow was only $22.2M in FY2025 despite capital expenditures of $2.3M. This points to weaker operating cash generation, rather than heavier reinvestment, as the main constraint on cash output; interest expense also reached $45.3M.

Financial Health Signals

Financial Health Score (5 of 6 dimensions) 45/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group, and the overall is the average of the dimensions that can be computed: here 5 of 6, with the others left out rather than counted as zero. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of C&F Financial Corp's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

C&F Financial Corp earned a return on assets of 1.0% in fiscal year 2025, which is the profit it made on every dollar of assets on its books. This is up from 0.8% the prior year. Earnings ranks banks on that return over three years, and C&F Financial Corp scores 54/100 among other banks.

Growth

C&F Financial Corp reported revenue of $140.8M in fiscal year 2025, against $127.3M in fiscal year 2024. Growth ranks banks on the three-year path of their net revenue, which is interest income and fee income less the interest they pay out, and C&F Financial Corp scores 37/100 among other banks.

Capital

C&F Financial Corp funded 9.5% of its assets with shareholders' equity at the end of fiscal year 2025, holding $261.8M of equity against $2.8B of assets. Capital ranks banks on that cushion, and C&F Financial Corp scores 26/100 among other banks.

Efficiency

Efficiency measures what a bank spends running itself against the revenue that spending brings in, so a lower ratio is the better one. C&F Financial Corp scores 31/100 on it among other banks.

Credit Quality

n/a

Not available for C&F Financial Corp, so it is left out of the overall score, which averages the 5 of 6 dimensions that can be computed.

Stability

C&F Financial Corp reported net income of $26.8M in fiscal year 2025, against $19.8M in fiscal year 2024. Stability ranks banks on how steady net income has been across five years, and C&F Financial Corp scores 79/100 among other banks.

Piotroski F-Score Partial

4/6

C&F Financial Corp passes 4 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 3 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), the one computable operating efficiency signal (asset turnover improving) passes.

Key Financial Metrics

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Earnings & Revenue

Revenue

$40.9M

YoY+12.4%

QoQ+12.7%

5Y CAGR+3.4%

10Y CAGR+3.1%

C&F Financial Corp generated $40.9M in revenue in Q2 2026. This represents an increase of 12.4% from the same quarter a year earlier. Against the prior quarter it is up 12.7%.

Net Income

$8.6M

YoY+11.3%

QoQ+26.9%

5Y CAGR+1.3%

10Y CAGR+6.2%

C&F Financial Corp reported $8.6M in net income in Q2 2026. This represents an increase of 11.3% from the same quarter a year earlier. Against the prior quarter it is up 26.9%.

EPS (Diluted)

$2.63

YoY+11.0%

QoQ+26.4%

5Y CAGR+3.7%

10Y CAGR+6.8%

C&F Financial Corp earned $2.63 per diluted share (EPS) in Q2 2026. This represents an increase of 11.0% from the same quarter a year earlier. Against the prior quarter it is up 26.4%.

EBITDA

Not reported for Q2 2026.

Cash & Balance Sheet

Free Cash Flow

$22.3M

YoYn/m

QoQn/m

5Y CAGR-18.8%

10Y CAGRn/m

C&F Financial Corp generated $22.3M in free cash flow in Q2 2026, representing cash available after capex. The change from the same quarter a year earlier is not meaningful, because that figure was zero or negative. The change from the prior quarter is not meaningful, because that quarter’s figure was zero or negative.

Cash & Debt

$62.1M

YoY-22.6%

QoQ-19.8%

5Y CAGR-18.2%

C&F Financial Corp held $62.1M in cash as of Q2 2026; no long-term debt figure is on record for that period.

Dividends Per Share

$0.48

YoY+4.3%

QoQ0.0%

5Y CAGR+3.7%

C&F Financial Corp paid $0.48 per share in dividends in Q2 2026. This represents an increase of 4.3% from the same quarter a year earlier. It is unchanged from the prior quarter.

Shares Outstanding

YoY+0.4%

QoQ-0.1%

5Y CAGR-2.0%

10Y CAGR-0.6%

C&F Financial Corp had 3M shares outstanding in Q2 2026. This represents an increase of 0.4% from the same quarter a year earlier. Against the prior quarter it is down 0.1%.

Margins & Returns

Net Margin

20.9%

YoY-0.2pp

QoQ+2.3pp

5Y change-2.2pp

10Y change+5.3pp

C&F Financial Corp's net profit margin was 20.9% in Q2 2026, showing the share of revenue converted to profit. This is down 0.2 percentage points from the same quarter a year earlier. Against the prior quarter it is up 2.3 percentage points.

Return on Equity

3.1%

YoY-0.1pp

QoQ+0.5pp

5Y change-0.9pp

10Y change-0.3pp

C&F Financial Corp's quarterly ROE was 3.1% in Q2 2026: one quarter's net income over shareholder equity, not annualized. This is down 0.1 percentage points from the same quarter a year earlier. Against the prior quarter it is up 0.5 percentage points.

Gross Margin

Not reported for Q2 2026.

Operating Margin

Not reported for Q2 2026.

Capital Allocation

Share Buybacks

$367K

YoY+3570.0%

QoQ-40.2%

5Y CAGR-39.5%

C&F Financial Corp spent $367K on share buybacks in Q2 2026, returning capital to shareholders by reducing shares outstanding. This represents an increase of 3570.0% from the same quarter a year earlier. Against the prior quarter it is down 40.2%.

Capital Expenditures

$2.4M

YoY+325.4%

QoQ+647.8%

5Y CAGR+12.8%

10Y CAGR+22.1%

C&F Financial Corp invested $2.4M in capex in Q2 2026, funding long-term assets and infrastructure. This represents an increase of 325.4% from the same quarter a year earlier. Against the prior quarter it is up 647.8%.

R&D Spending

Not reported for Q2 2026.

CFFI Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CFFI quarterly income statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Revenue	$149.0M	$140.8M+10.6%	$127.3M0.0%	$127.3M+3.8%	$122.7M-9.3%	$135.2M-2.1%	$138.1M+23.5%	$111.9M-5.9%	$118.9M+1.8%	$116.8M+1.2%	$115.5M+7.2%	$107.8M+1.8%	$105.9M+3.9%	$101.9M+4.4%	$97.6M-3.2%	$100.8M
Interest Expense	$46.1M	$45.3M+5.8%	$42.8M+62.0%	$26.4M+235.0%	$7.9M-5.6%	$8.4M-37.5%	$13.4M-8.1%	$14.6M+32.0%	$11.0M+14.9%	$9.6M+7.1%	$9.0M+3.2%	$8.7M+2.0%	$8.5M-1.1%	$8.6M-14.7%	$10.1M-14.9%	$11.9M
Income Tax	$6.9M	$6.1M+44.2%	$4.2M-22.2%	$5.4M-28.7%	$7.6M-15.2%	$9.0M+31.8%	$6.8M+33.7%	$5.1M+12.4%	$4.5M-60.3%	$11.4M+155.5%	$4.5M-8.1%	$4.9M-5.7%	$5.1M-27.8%	$7.1M-6.8%	$7.6M+33.3%	$5.7M
Net Income	$29.1M	$26.8M+35.3%	$19.8M-16.0%	$23.6M-19.1%	$29.2M+1.7%	$28.7M+29.6%	$22.1M+17.3%	$18.9M+4.7%	$18.0M+174.2%	$6.6M-51.2%	$13.5M+7.4%	$12.5M+1.5%	$12.3M-14.5%	$14.4M-11.8%	$16.4M+26.2%	$13.0M
EPS (Basic)	N/A	$8.29+37.9%	$6.01-13.2%	$6.92-16.5%	$8.29+4.3%	$7.95+31.2%	$6.06+10.8%	$5.47+6.2%	$5.15+172.5%	$1.89-51.5%	$3.90+6.0%	$3.68+1.4%	$3.63-16.9%	$4.37-12.6%	$5.00+33.0%	$3.76
EPS (Diluted)	$8.96	$8.29+37.9%	$6.01-13.2%	$6.92-16.5%	$8.29+4.3%	$7.95+31.2%	$6.06+10.8%	$5.47+6.2%	$5.15+173.9%	$1.88-51.7%	$3.89+5.7%	$3.68+2.5%	$3.59-14.3%	$4.19-13.8%	$4.86+30.6%	$3.72
Diluted Shares (Avg)	N/A	3M-1.9%	3M-3.3%	3M-3.0%	4M-2.4%	4M-1.2%	4M+5.7%	3M-1.4%	4M+0.4%	3M+0.9%	3M+1.6%	3M-1.0%	3M-0.2%	3M+4.2%	3M+4.2%	3M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Revenue	$40.9M+12.4%	$36.3M+11.3%	$35.9M+12.0%	$36.0M+7.6%	$36.4M+16.7%	$32.6M+6.3%	$32.0M+1.0%	$33.5M+9.1%
Interest Expense	$11.3M+3.3%	$11.4M+4.2%	$11.8M+4.1%	$11.6M+1.5%	$10.9M+4.0%	$11.0M+15.0%	$11.3M+34.0%	$11.4M+58.4%
Income Tax	$2.2M+20.7%	$1.6M+37.3%	$1.4M+14.3%	$1.7M+37.2%	$1.9M+55.6%	$1.1M+99.8%	$1.2M+8.7%	$1.3M-5.5%
Net Income	$8.6M+11.3%	$6.7M+25.7%	$6.7M+11.0%	$7.1M+31.3%	$7.7M+53.6%	$5.4M+57.8%	$6.0M+19.1%	$5.4M-6.9%
EPS (Basic)	$2.63+11.0%	$2.08+25.3%	$2.07+11.3%	$2.18+32.1%	$2.37+58.0%	$1.66+64.4%	$1.86+23.2%	$1.65-3.5%
EPS (Diluted)	$2.63+11.0%	$2.08+25.3%	$2.07+11.3%	$2.18+32.1%	$2.37+58.0%	$1.66+64.4%	$1.86+23.2%	$1.65-3.5%
Diluted Shares (Avg)	3M+0.4%	3M+0.4%	N/A	3M-0.6%	3M-3.1%	3M-4.0%	N/A	3M-3.9%

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

CFFI Balance Sheet

CFFI quarterly balance sheet

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Total Assets	$2.8B+8.0%	$2.6B+5.1%	$2.4B+4.6%	$2.3B+3.0%	$2.3B+8.5%	$2.1B+25.9%	$1.7B+8.9%	$1.5B+0.8%	$1.5B+3.9%	$1.5B+3.3%	$1.4B+5.0%	$1.3B+2.0%	$1.3B+34.3%	$977.0M+5.3%	$928.1M
Cash & Equivalents	$79.1M+20.7%	$65.6M-12.7%	$75.2M+181.9%	$26.7M-90.0%	$267.7M+208.9%	$86.7M-47.6%	$165.4M+43.8%	$115.0M	N/A	N/A	N/A	N/A	$148.1M+478.2%	$25.6M	N/A
Goodwill	$25.2M0.0%	$25.2M0.0%	$25.2M0.0%	$25.2M0.0%	$25.2M0.0%	$25.2M+74.6%	$14.4M0.0%	$14.4M0.0%	$14.4M0.0%	$14.4M0.0%	$14.4M0.0%	$14.4M0.0%	$14.4M+34.5%	$10.7M0.0%	$10.7M
Total Liabilities	$2.5B+7.3%	$2.3B+5.2%	$2.2B+4.0%	$2.1B+4.0%	$2.1B+8.5%	$1.9B+26.8%	$1.5B+9.0%	$1.4B+0.2%	$1.4B+4.2%	$1.3B+3.0%	$1.3B+4.9%	$1.2B+1.3%	$1.2B+37.1%	$874.8M+5.1%	$832.0M
Long-Term Debt	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	$133.0M0.0%	$133.0M0.0%	$133.0M
Total Equity	$261.8M+15.6%	$226.4M+4.4%	$216.9M+10.9%	$195.6M-7.0%	$210.3M+8.5%	$193.8M+17.6%	$164.8M+8.4%	$152.0M+7.2%	$141.7M+1.8%	$139.2M+6.2%	$131.1M+6.0%	$123.6M+9.2%	$113.2M+10.5%	$102.4M+6.6%	$96.1M
Retained Earnings	$268.7M+8.4%	$247.8M+6.0%	$233.8M+7.6%	$217.2M+12.1%	$193.8M+13.5%	$170.8M+10.7%	$154.2M+9.8%	$140.5M+10.3%	$127.4M+1.8%	$125.2M+7.7%	$116.2M+7.8%	$107.8M+8.6%	$99.3M+11.9%	$88.7M+16.4%	$76.2M

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Total Assets	$2.8B+4.6%	$2.8B+7.7%	$2.8B+8.0%	$2.7B+6.3%	$2.7B+7.8%	$2.6B+5.8%	$2.6B+5.1%	$2.6B+5.3%
Cash & Equivalents	$62.1M-22.6%	$77.4M+1.9%	$79.1M+20.7%	$96.1M+95.3%	$80.2M+79.5%	$76.0M+37.6%	$65.6M-12.7%	$49.2M-30.2%
Goodwill	$25.2M0.0%	$25.2M0.0%	$25.2M0.0%	$25.2M0.0%	$25.2M0.0%	$25.2M0.0%	$25.2M0.0%	$25.2M0.0%
Total Liabilities	$2.5B+3.5%	$2.5B+7.2%	$2.5B+7.3%	$2.5B+5.8%	$2.4B+7.6%	$2.4B+5.5%	$2.3B+5.2%	$2.3B+4.6%
Total Equity	$277.8M+15.6%	$265.5M+13.1%	$261.8M+15.6%	$253.3M+11.4%	$240.3M+10.0%	$234.6M+8.5%	$226.4M+4.4%	$227.3M+13.8%
Retained Earnings	$280.9M+8.9%	$273.9M+8.8%	$268.7M+8.4%	$263.5M+8.3%	$257.9M+7.8%	$251.7M+6.8%	$247.8M+6.0%	$243.2M+5.7%

Not reported in any period shown, so not listed: Current Assets, Short-Term Investments, Inventory, Accounts Receivable, Long-Term Investments, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

CFFI Cash Flow Statement

CFFI quarterly cash flow statement

Metric	TTM	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Operating Cash Flow	$42.8M	$24.5M-33.4%	$36.8M-5.3%	$38.8M-57.1%	$90.6M-42.5%	$157.4Mn/m	-$80.4Mn/m	-$14.6M-130.8%	$47.6M+84.5%	$25.8M-4.5%	$27.0M+76.0%	$15.3M-55.1%	$34.2M-46.3%	$63.6M+114.3%	$29.7M+6.1%	$28.0M
Depreciation & Amortization	N/A	$3.9M+1.7%	$3.9M-0.6%	$3.9M-11.0%	$4.4M-8.1%	$4.7M+13.2%	$4.2M+8.4%	$3.9M+5.3%	$3.7M+6.5%	$3.4M+0.7%	$3.4M-1.5%	$3.5M-11.6%	$3.9M+46.5%	$2.7M+18.2%	$2.3M+7.1%	$2.1M
Stock-Based Compensation	N/A	$1.8M-4.0%	$1.9M-3.6%	$2.0M+1.1%	$2.0M+16.3%	$1.7M+17.3%	$1.4M-1.3%	$1.5M+9.0%	$1.3M-7.3%	$1.5M+19.1%	$1.2M-1.1%	$1.2M+11.5%	$1.1M+48.6%	$743K+31.3%	$566K+43.3%	$395K
Capital Expenditures	$4.2M	$2.3M-33.2%	$3.5M+138.9%	$1.5M-57.0%	$3.4M-29.1%	$4.8M-53.2%	$10.2M+278.0%	$2.7M-19.8%	$3.4M-19.3%	$4.2M+54.4%	$2.7M+49.8%	$1.8M-0.4%	$1.8M-50.3%	$3.7M+310.1%	$891K-51.6%	$1.8M
Free Cash Flow	$38.6M	$22.2M-33.4%	$33.3M-10.9%	$37.4M-57.1%	$87.2M-42.9%	$152.6Mn/m	-$90.6Mn/m	-$17.3M-139.2%	$44.2M+104.6%	$21.6M-11.0%	$24.3M+79.5%	$13.5M-58.2%	$32.4M-46.0%	$60.0M+108.3%	$28.8M+10.1%	$26.2M
Investing Cash Flow	-$134.1M	-$169.4Mn/m	-$146.9Mn/m	-$56.3Mn/m	-$411.3Mn/m	-$138.7Mn/m	-$183.3Mn/m	-$35.9Mn/m	-$47.5Mn/m	-$59.9Mn/m	-$106.3Mn/m	-$83.7M	N/A	$90.8Mn/m	-$44.8Mn/m	-$31.2M
Financing Cash Flow	$73.2M	$158.4M+57.5%	$100.6M+52.3%	$66.0M-17.1%	$79.6M-51.0%	$162.4M-12.2%	$184.9M+83.1%	$101.0Mn/m	-$4.4M-108.8%	$50.4M+70.1%	$29.6M-44.8%	$53.7M	N/A	-$31.9M-209.4%	$29.2M+482.6%	$5.0M
Dividends Paid	$6.1M	$6.0M+3.0%	$5.8M-3.4%	$6.0M+4.0%	$5.8M+1.4%	$5.7M+2.3%	$5.5M+8.1%	$5.1M+4.1%	$4.9M+6.3%	$4.6M+3.9%	$4.5M+7.6%	$4.1M+2.4%	$4.0M+5.3%	$3.8M+4.4%	$3.7M-8.4%	$4.0M
Share Buybacks	$1.5M	$943K-89.2%	$8.8M+12.9%	$7.8M+44.4%	$5.4M-34.7%	$8.2M+675.9%	$1.1M-78.4%	$4.9M+219.9%	$1.5M+174.5%	$560K+35.3%	$414K-75.5%	$1.7M+947.8%	$161K	N/A	N/A	N/A

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Operating Cash Flow	$24.7Mn/m	-$7.6M-335.8%	$2.2M-93.4%	$23.4M+5701.5%	-$4.4M-358.9%	$3.2M+258.8%	$33.8M+99.0%	$404K-98.2%
Depreciation & Amortization	$950K-4.6%	$940K-4.9%	$971K-4.4%	$968K+2.4%	$996K+3.9%	$988K+5.4%	$1.0M+5.8%	$945K-1.2%
Stock-Based Compensation	N/A	$514K+11.5%	N/A	N/A	N/A	$461K-9.6%	N/A	N/A
Capital Expenditures	$2.4M+325.4%	$322K+20.6%	$756K+75.8%	$740K-63.6%	$566K+5.0%	$267K-44.9%	$430K-2.3%	$2.0M+396.8%
Free Cash Flow	$22.3Mn/m	-$7.9M-368.1%	$1.5M-95.6%	$22.7Mn/m	-$5.0M-528.5%	$2.9M+618.0%	$33.3M+101.7%	-$1.6M-107.3%
Investing Cash Flow	-$18.8Mn/m	-$35.6Mn/m	-$64.8Mn/m	-$15.0Mn/m	-$56.1Mn/m	-$33.5Mn/m	-$30.2Mn/m	-$44.5Mn/m
Financing Cash Flow	-$21.2M-132.8%	$41.5M+1.8%	$45.6M+255.1%	$7.4M-84.7%	$64.7M+524.2%	$40.7M+41.4%	$12.8Mn/m	$48.6Mn/m
Dividends Paid	$1.6M+4.9%	$1.6M+4.8%	$1.5M+4.9%	$1.5M+4.4%	$1.5M+2.3%	$1.5M+0.4%	$1.4M-4.0%	$1.4M-4.2%
Share Buybacks	$367K+3570.0%	$614K+44.1%	$507K-47.7%	$0-100.0%	$10K-99.7%	$426K-58.7%	$969K-30.5%	$3.2M+132.2%

CFFI Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

CFFI quarterly financial ratios

Metric	FY2510-K	FY2410-K	FY2310-K	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K
Net Margin	19.1%+3.5pp	15.6%-3.0pp	18.5%-5.2pp	23.8%+2.6pp	21.2%+5.2pp	16.0%-0.8pp	16.9%+1.7pp	15.2%+9.5pp	5.6%-6.0pp	11.7%0.0pp	11.6%0.0pp	11.7%-2.5pp	14.2%-2.6pp	16.8%+3.9pp	12.9%
Return on Equity	10.3%+1.5pp	8.8%-2.1pp	10.9%-4.0pp	14.9%+1.3pp	13.6%+2.2pp	11.4%0.0pp	11.4%-0.4pp	11.9%+7.2pp	4.6%-5.0pp	9.7%+0.1pp	9.6%-0.4pp	10.0%-2.8pp	12.8%-3.2pp	16.0%+2.5pp	13.5%
Return on Assets	1.0%+0.2pp	0.8%-0.2pp	1.0%-0.3pp	1.3%0.0pp	1.3%+0.2pp	1.1%-0.1pp	1.1%0.0pp	1.2%+0.7pp	0.4%-0.5pp	0.9%0.0pp	0.9%0.0pp	0.9%-0.2pp	1.1%-0.6pp	1.7%+0.3pp	1.4%
Debt-to-Equity	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	1.18-0.1x	1.30-0.1x	1.38
Liabilities-to-Equity	9.57-0.7x	10.32+0.1x	10.24-0.7x	10.92+1.2x	9.760.0x	9.76+0.7x	9.050.0x	9.01-0.6x	9.65+0.2x	9.43-0.3x	9.72-0.1x	9.83-0.8x	10.60+2.1x	8.54-0.1x	8.66
Asset Turnover	0.050.0x	0.050.0x	0.050.0x	0.050.0x	0.060.0x	0.070.0x	0.070.0x	0.080.0x	0.080.0x	0.080.0x	0.080.0x	0.080.0x	0.080.0x	0.100.0x	0.11
FCF Margin	15.7%-10.4pp	26.1%-3.2pp	29.3%-41.7pp	71.0%	112.9%	-65.6%-50.1pp	-15.5%-52.6pp	37.1%+18.7pp	18.5%-2.5pp	21.0%+8.5pp	12.6%-18.0pp	30.6%-28.3pp	58.9%+29.4pp	29.5%+3.6pp	25.9%

Metric	Q2'2610-Q	Q1'2610-Q	Q4'2510-K	Q3'2510-Q	Q2'2510-Q	Q1'2510-Q	Q4'2410-K	Q3'2410-Q
Net Margin	20.9%-0.2pp	18.6%+2.1pp	18.7%-0.2pp	19.6%+3.5pp	21.1%+5.1pp	16.5%+5.4pp	18.8%+2.9pp	16.1%-2.8pp
Return on Equity	3.1%-0.1pp	2.5%+0.2pp	2.6%-0.1pp	2.8%+0.4pp	3.2%+0.9pp	2.3%+0.7pp	2.7%+0.3pp	2.4%-0.5pp
Return on Assets	0.3%0.0pp	0.2%0.0pp	0.2%0.0pp	0.3%+0.1pp	0.3%+0.1pp	0.2%+0.1pp	0.2%0.0pp	0.2%0.0pp
Liabilities-to-Equity	9.11-1.1x	9.60-0.5x	9.57-0.7x	9.70-0.5x	10.18-0.2x	10.13-0.3x	10.32+0.1x	10.22-0.9x
Asset Turnover	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x	0.010.0x
FCF Margin	54.5%+68.2pp	-21.8%-30.8pp	4.1%	63.0%+67.9pp	-13.6%-17.3pp	9.0%+7.7pp	104.0%	-4.9%-77.3pp

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio, Debt-to-Equity.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
C&F Financial Corp CFFI	FY2025	$140.8M	$26.8M	19.1%	$353.9M	45/100
Isabella Bank Corporation ISBA	FY2025	$78.5M	$18.9M	24.1%	$295.2M	51/100
LCNB Corporation LCNB	FY2025	$92.0M	$23.1M	25.1%	$281.3M	54/100
Virginia National Bankshares Corporation VABK	FY2025	$57.6M	$19.3M	33.4%	$269.6M	57/100
First Western Financial, Inc. MYFW	FY2025	$101.9M	$13.2M	12.9%	$292.8M	28/100

Where C&F Financial Corp Ranks

Frequently Asked Questions

What is C&F Financial Corp's annual revenue?

C&F Financial Corp (CFFI) reported $140.8M in total revenue for fiscal year 2025. This represents a 10.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is C&F Financial Corp's revenue growing?

C&F Financial Corp (CFFI) revenue grew by 10.6% year-over-year, from $127.3M to $140.8M in fiscal year 2025.

Is C&F Financial Corp profitable?

Yes, C&F Financial Corp (CFFI) reported a net income of $29.1M over the trailing 12 months to June 30, 2026. In fiscal year 2025 it reported a net income of $26.8M, with a net profit margin of 19.1%.

What is C&F Financial Corp's net profit margin?

C&F Financial Corp (CFFI) had a net profit margin of 19.1% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Does C&F Financial Corp pay dividends?

Yes, C&F Financial Corp (CFFI) paid $1.84 per share in dividends during fiscal year 2025.

What is C&F Financial Corp's return on equity (ROE)?

C&F Financial Corp (CFFI) has a return on equity of 10.3% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is C&F Financial Corp's free cash flow?

C&F Financial Corp (CFFI) generated $22.2M in free cash flow during fiscal year 2025. This represents a -33.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is C&F Financial Corp's operating cash flow?

C&F Financial Corp (CFFI) generated $24.5M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are C&F Financial Corp's total assets?

C&F Financial Corp (CFFI) had $2.8B in total assets as of fiscal year 2025, including both current and long-term assets.

What are C&F Financial Corp's capital expenditures?

C&F Financial Corp (CFFI) invested $2.3M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does C&F Financial Corp buy back shares?

Yes, C&F Financial Corp (CFFI) spent $943K on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does C&F Financial Corp have outstanding?

C&F Financial Corp (CFFI) had 3M shares outstanding as of fiscal year 2025.

What is C&F Financial Corp's liabilities-to-equity ratio?

C&F Financial Corp (CFFI) had a liabilities-to-equity ratio of 9.57 as of fiscal year 2025, which is total liabilities divided by total shareholder equity. Total liabilities counts every obligation on the balance sheet (payables, deposits, insurance reserves and deferred taxes as well as borrowings), so this ratio usually runs well above debt-to-equity. No debt-to-equity ratio is shown for fiscal year 2025, because the filing data we hold for that year carries no long-term debt figure.

What is C&F Financial Corp's return on assets (ROA)?

C&F Financial Corp (CFFI) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is C&F Financial Corp's P/E ratio?

C&F Financial Corp (CFFI) trades at 12.2x earnings, its market capitalization divided by $29.1M net income, trailing 12 months to June 30, 2026. The market capitalization is $353.9M as of Oct 26, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is C&F Financial Corp's price-to-sales ratio?

C&F Financial Corp (CFFI) trades at 2.4x sales, its market capitalization divided by $149.0M revenue, trailing 12 months to June 30, 2026. The market capitalization is $353.9M as of Oct 26, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.

What is C&F Financial Corp's Piotroski F-Score?

C&F Financial Corp (CFFI) has a Piotroski F-Score of 4 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

How financially healthy is C&F Financial Corp?

C&F Financial Corp (CFFI) scores 45 out of 100 on our Financial Health Score, indicating moderate standing within its banks peer group. The score is the average of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. For C&F Financial Corp it averages the 5 of 6 dimensions that can be computed; the others are left out rather than counted as zero. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.