Saturday 17 October 2026 Export CFFI’s income statement to Excel — free account

C&F Financial Corporation

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.

102.06 0.67 −0.65%

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Market cap: $334.0M
P/E: 11.4×
Fwd P/E: —
Dividend yield: 1.86%
F-score: 8/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.72

Totals in millions of $.

	Dec 25			Mar 26			Jun 26			Sep 26
Buy	—	—	—	—	—	—	—	—	—	—	—	—
Sell	—	—	—	1	—	—	2	3	—	4	2	—

Insider Ownership 6.83%

Capital & Financial Ratios $m

Market Cap 334.04

Revenue 195.14

Net Income 29.25

Free Cash Flow 38.56

Net Debt 56.06

Current Ratio 0.92

Debt/Equity 0.42

P/E ratio 11.39

Fwd P/E —

P/S ratio 1.70

P/B ratio 1.19

Past 5Y EPS Growth 6.47%

This Y EPS Growth —

Next Y EPS Growth —

Next Y revenue growth (14.68%)

Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 73.20%

10-year low 10-year high

P/S against its own 10 years 92.92%

10-year low 10-year high

P/B against its own 10 years 85.66%

10-year low 10-year high

Dividends

Payout Ratio 0.21

Annual Dividend Rate 1.90

Annual Dividend Yield 1.86%

	total	individual payouts
2027	Powerpack
2026	1.90	0.48 0.48 0.48
2025	1.84	0.46 0.46 0.46 0.46
2024	1.76	0.44 0.44 0.44 0.44
2023	1.76	0.44 0.44 0.44 0.44
2022	1.64	0.40 0.40 0.42 0.42
2021	1.58	0.38 0.40 0.40 0.40
2020	1.52	0.38 0.38 0.38 0.38
2019	1.49	0.37 0.37 0.37 0.38
2018	1.41	0.34 0.34 0.36 0.37
2017	1.33	0.33 0.33 0.33 0.34
2016	1.29	0.32 0.32 0.32 0.33

predictions special payouts not included in total or ratios

Assets vs Liabilities $m

	2023	2024	2025	Q'26
Cash	75	66	79	62
Receivables	—	—	—	—
Inventory	—	—	—	—
Other	—	—	—	—
	1,802	1,977	2,147	2,191

	2023	2024	2025	Q'26
Payables	2,066	2,171	2,346	2,365
ST’ Debt	—	—	—	—
Other	—	—	—	—
	2,128	2,204	2,369	2,369

Compound Annual Growth %

	10y	5y	3y
Sales	5.62%	4.20%	12.55%
Cash Flow	4.79%	0.00%	(35.33%)
Earnings	7.91%	3.94%	(2.73%)
Book Value	7.19%	6.17%	10.16%

Revenue $m

	Mar	Jun	Sep	Dec	Year
’26	48	52	—	—	—
’25	44	47	48	48	186
’24	40	42	45	43	170
’23	37	39	38	40	154
’22	29	30	32	39	131
’21	37	37	35	34	144
’20	32	35	41	44	152

Fiscal quarters ending in the months shown.

Operating Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(8)	25	—	—	—
’25	3	(4)	23	2	24
’24	1	2	0	34	37
’23	0	(1)	23	17	39
’22	41	8	20	22	91
’21	41	65	14	38	157
’20	(22)	(45)	(71)	57	(80)

Fiscal quarters ending in the months shown.

Free Cash Flow $m

	Mar	Jun	Sep	Dec	Year
’26	(8)	22	—	—	—
’25	3	(5)	23	1	22
’24	0	1	(2)	33	33
’23	0	(1)	22	17	37
’22	40	8	19	21	87
’21	39	63	13	37	153
’20	(23)	(47)	(75)	55	(90)

Fiscal quarters ending in the months shown.

EPS $

	Mar	Jun	Sep	Dec	Year
’26	2.08	2.63	—	—	—
’25	1.66	2.37	2.18	2.07	8.29
’24	1.01	1.50	1.65	1.87	6.01
’23	1.86	1.84	1.71	1.50	6.92
’22	1.59	1.91	1.85	2.97	8.29
’21	1.92	2.19	2.16	1.67	7.95
’20	0.98	1.03	1.86	2.19	6.06

Fiscal quarters ending in the months shown.

Group	Line	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025	2026e
Price, $
Price, $	Low	37.02	42.25	45.28	45.66	28.00	36.90	43.10	48.01	33.51	53.14	Analyst estimates 2026–2028 Powerpack
	High	53.40	65.05	67.40	57.61	55.51	55.00	63.77	72.00	80.87	89.90
People
People	Employees	636	650	634	643	697	650	613	594	545	575
	Revenue/emp, $m	0.18	0.18	0.19	0.20	0.22	0.22	0.21	0.26	0.31	0.32
Income, $m
Income, $m	Revenue	115	117	119	126	152	144	131	154	170	186
	Gross margin, %	92.23	91.78	90.73	88.49	91.17	94.18	93.96	82.81	74.83	75.67
	EBT	18	18	23	24	29	38	37	29	24	33
	EBT margin, %	15.52	15.38	18.96	18.93	19.28	26.53	28.31	18.97	14.18	17.77
	Net income	13	7	18	19	22	29	29	24	20	27
	Depreciation	5	5	5	5	6	8	5	5	5	4
Per share, $
Per share, $	Revenue	33.44	33.50	33.97	36.64	41.52	39.83	37.12	45.06	51.56	57.48
	Earnings	3.89	1.89	5.15	5.47	6.06	7.95	8.29	6.92	6.01	8.29
	Cash flow	7.81	7.39	13.58	(4.24)	(22.03)	43.67	25.75	11.37	11.14	7.56
	Capex	(0.49)	(1.20)	(0.96)	(0.78)	(2.71)	(1.33)	(0.96)	(0.43)	(1.06)	(0.72)
	Free cash flow	7.32	6.19	12.62	(5.02)	(24.74)	42.34	24.78	10.95	10.08	6.84
	Book value	40.31	40.64	43.40	47.89	53.29	58.55	55.80	63.75	68.78	81.02
	Shares, m	3	3	4	3	4	4	4	3	3	3
Valuation, ×
Valuation, ×	P/E	12.47	30.26	10.33	10.13	6.12	6.45	7.15	10.03	11.82	8.77
	P/S	1.44	1.71	1.57	1.51	0.89	1.29	1.60	1.54	1.38	1.26
	P/B	1.20	1.41	1.23	1.16	0.70	0.87	1.07	1.09	1.04	0.90
	EV/Sales	1.87	1.95	1.82	1.35	0.69	(0.19)	1.82	1.38	1.55	1.45
	EV/FCF	8.53	10.52	4.89	(9.82)	(1.16)	(0.18)	2.73	5.69	7.91	12.15
Cash, $m
Cash, $m	Operating cash flow	27	26	48	(15)	(80)	157	91	39	37	24
	Capex	(2)	(4)	(3)	(3)	(10)	(5)	(3)	(1)	(3)	(2)
	Free cash flow	25	22	44	(17)	(90)	153	87	37	33	22
Balance, $m
Balance, $m	Working capital	(8)	(18)	(5)	36	(151)	(223)	(396)	(326)	(228)	(223)
	Total debt	152	147	145	145	56	56	55	51	94	93
	Net debt	49	28	30	(21)	(31)	(212)	29	(24)	28	14
	Shareholders’ equity	139	142	152	165	194	211	196	218	227	262
Returns, %
Returns, %	ROA	0.94	0.44	1.19	1.19	1.18	1.32	1.27	0.99	0.79	1.01
	ROIC	5.95	6.62	7.75	10.34	11.17	0.00	10.26	9.41	5.91	7.47
	ROE	9.96	4.68	12.27	11.89	12.30	14.14	14.32	11.41	8.92	10.97

Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

Company	Market cap	P/E	Fwd P/E	Revenue growth (Q)	EPS growth (Q)	FCF growth (Q)	Gross margin (Q)	EBIT margin (Q)	Compare
FSBW FS Bancorp, Inc.	$350.9M	10.1×	9.4×	+3.60% (above 0%: growing)	+6.00% (above 0%: growing)	+778.44% (above 0%: growing)	69.52%	0.00%	Compare
BRBS Blue Ridge Bankshares, Inc.	$349.1M	37.9×	—	−19.39% (below 0%: shrinking)	n/m	−84.87% (below 0%: shrinking)	59.82%	0.00%	Compare
BCML Bay Commercial Bank	$338.1M	26.0×	13.8×	−3.52% (below 0%: shrinking)	n/m	−19.47% (below 0%: shrinking)	74.74%	0.00%	Compare
AVBH Avidbank Holdings Inc.	$337.8M	— (loss-making)	9.1×	+15.59% (above 0%: growing)	−6.49% (below 0%: shrinking)	+148.71% (above 0%: growing)	69.18%	0.00%	Compare
FDBC Fidelity D&D Bancorp Inc.	$336.0M	11.0×	22.8×	+5.91% (above 0%: growing)	+11.67% (above 0%: growing)	+157.33% (above 0%: growing)	70.54%	0.00%	Compare
CFFI C&F Financial Corporation	$334.0M	11.4×	—	+10.31% (above 0%: growing)	+10.97% (above 0%: growing)	+549.86% (above 0%: growing)	78.40%	0.00%
CBNA Chain Bridge Bancorp, Inc.	$324.9M	12.1×	7.7×	+51.95% (above 0%: growing)	+107.14% (above 0%: growing)	+147.51% (above 0%: growing)	96.81%	0.00%	Compare
JMSB John Marshall Bancorp, Inc.	$321.6M	13.2×	11.7×	+10.02% (above 0%: growing)	+38.89% (above 0%: growing)	−31.74% (below 0%: shrinking)	60.20%	0.00%	Compare
COSO CoastalSouth Bancshares, Inc.	$319.7M	11.5×	11.2×	+6.47% (above 0%: growing)	+5.17% (above 0%: growing)	+158.51% (above 0%: growing)	63.95%	0.00%	Compare
Median of peers	$336.9M	12.1×	11.2×	+6.19%	+8.84%	+148.11%	69.35%	0.00%

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