C&F Financial Corporation
CFFI Financial Banks Regional
C&F Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $186.1 million, up 9.40% from fiscal 2024. In the quarter to June 2026, revenue grew 10.3%, EPS grew 11.0%, free cash flow grew 549.9% and total debt rose 14.2%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three.
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An Income Statement, also known as a Profit and Loss Statement, summarizes a company's revenues, expenses, and profits over a specific period. It highlights how revenue is transformed into net income, showcasing operational efficiency. Key components include total revenue, cost of goods sold (COGS), gross profit, operating expenses, and net profit. Businesses use the Income Statement to assess financial performance, make strategic decisions, and ensure profitability. Investors and stakeholders analyze it to gauge the company’s financial health and future growth potential.
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Older periods | |
|---|---|---|---|---|---|
Revenue |
195.14 | 190.27 | 186.13 | 181.84 |
+8 more TTM periods Free account |
Cost of Revenue |
46.11 | 45.75 | 45.29 | 44.83 | |
Gross Profit |
149.03 | 144.52 | 140.84 | 137.01 | |
SG&A Expenses |
112.89 | 109.63 | 107.77 | 104.80 | |
Operating Income |
36.13 | 34.89 | 33.07 | 32.21 | |
| 36.13 | 34.89 | 33.07 | 32.21 | ||
Income Tax Provision |
6.89 | 6.50 | 6.08 | 5.91 | |
Income after Tax |
29.25 | 28.39 | 26.99 | 26.30 | |
Dividends (Preferred) |
0.00 | — | — | — | |
Non-Controlling Interest |
0.16 | 0.18 | 0.16 | 0.13 | |
Net Income Common |
29.09 | 28.21 | 26.84 | 26.17 | |
EPS (Basic) |
8.96 | 8.70 | 8.28 | 8.08 | |
EPS (Diluted) |
8.96 | 8.70 | 8.28 | 8.08 | |
Shares (Basic, Weighted) |
3.24 | 3.24 | 3.24 | 3.25 | |
Shares (Diluted, Weighted) |
3.24 | 3.24 | 3.24 | 3.25 | |
Gross Margin |
76.37% | 75.96% | 75.67% | 75.35% | |
EBIT Margin |
0.00% | 0.00% | 0.00% | 0.00% | |
EBT margin |
18.52% | 18.34% | 17.77% | 17.71% | |
Net Profit Margin |
14.91% | 14.83% | 14.42% | 14.39% | |
Free Cash Flow Margin |
19.76% | 5.95% | 11.91% | 29.71% | |
| Other line items | |||||
EPS (Diluted, from Cont. Ops) |
9.01 | 8.76 | 8.34 | 8.11 | |
EPS (Diluted, Consolidated) |
9.01 | 8.76 | 8.34 | 8.11 | |
EPS (Basic, Consolidated) |
9.01 | 8.76 | 8.34 | 8.11 | |
Shares (Diluted, Average) |
3.24 | 3.24 | 3.24 | 3.23 | |
EPS (Basic, from Continuous Ops) |
9.01 | 8.76 | 8.34 | 8.11 | |
Income from Continuous Operations |
29.25 | 28.39 | 26.99 | 26.30 | |
Consolidated Net Income/Loss |
29.25 | 28.39 | 26.99 | 26.30 | |
EBITDA Margin |
0.00% | 0.00% | 0.00% | 0.00% | |
Operating Cash Flow Margin |
21.93% | 7.20% | 13.16% | 30.82% |