C&F Financial (CFFI) financial statements
C&F Financial reported revenue of $141M in fiscal 2025, up 2.2% a year over 9 years.
Net income was $27M.
Free cash flow was $22M, and the company returned $6M in dividends and $943,000 in net buybacks.
The diluted share count fell 6% over the period (buybacks).
Revenue and free cash flow
Fiscal years, $ billions.
Income statement
Fiscal years, from C&F Financial's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $115M | $117M | $119M | $112M | $138M | $135M | $123M | $127M | $127M | $141M |
| Operating income | $18M | $18M | $23M | $9M | $15M | — | — | — | — | — |
| Interest expense | $9M | $10M | $11M | $15M | $13M | $8M | $8M | $26M | — | — |
| Pre-tax income | $18M | $18M | $23M | $24M | $29M | $38M | $37M | $29M | $24M | $33M |
| Income tax | $4M | $11M | $5M | $5M | $7M | $9M | $8M | $5M | $4M | $6M |
| Net income | $13M | $7M | $18M | $19M | $22M | $29M | $29M | $24M | $20M | $27M |
| EPS (diluted) | $3.89 | $1.88 | $5.15 | $5.47 | $6.06 | $7.95 | $8.29 | $6.92 | $6.01 | $8.29 |
| Diluted shares | 3M | 3M | 4M | 3M | 4M | 4M | 4M | 3M | 3M | 3M |
| Operating margin | 15.5% | 15.4% | 19.0% | 7.9% | 10.9% | — | — | — | — | — |
| Net margin | 11.7% | 5.6% | 15.2% | 16.9% | 16.0% | 21.2% | 23.8% | 18.5% | 15.6% | 19.1% |
Balance sheet
Fiscal years, from C&F Financial's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash and short-term investments | — | — | $115M | $165M | $87M | $268M | $27M | $75M | $66M | $79M |
| Property, plant and equipment | $36M | $37M | $37M | $35M | $44M | $45M | $44M | $42M | $40M | $39M |
| Goodwill | $14M | $14M | $14M | $14M | $25M | $25M | $25M | $25M | $25M | $25M |
| Total assets | $1.5B | $1.5B | $1.5B | $1.7B | $2.1B | $2.3B | $2.3B | $2.4B | $2.6B | $2.8B |
| Total liabilities | $1.3B | $1.4B | $1.4B | $1.5B | $1.9B | $2.1B | $2.1B | $2.2B | $2.3B | $2.5B |
| Shareholders' equity | $139M | $142M | $152M | $165M | $194M | $210M | $196M | $217M | $226M | $262M |
| Net debt | — | — | -$115M | -$165M | -$87M | -$268M | -$27M | -$75M | -$66M | -$79M |
Cash flow
Fiscal years, from C&F Financial's 10-K filings with the SEC.
| Fiscal year | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $27M | $26M | $48M | -$15M | -$80M | $157M | $91M | $39M | $37M | $24M |
| Capital spending | $3M | $4M | $3M | $3M | $10M | $5M | $3M | $1M | $3M | $2M |
| Free cash flow | $24M | $22M | $44M | -$17M | -$91M | $153M | $87M | $37M | $33M | $22M |
| Stock-based compensation | $1M | $1M | $1M | $1M | $1M | $2M | $2M | $2M | $2M | $2M |
| Dividends paid | $4M | $5M | $5M | $5M | $6M | $6M | $6M | $6M | $6M | $6M |
| Share buybacks (net) | -$414,000 | -$560,000 | -$2M | -$5M | -$1M | -$8M | -$5M | -$8M | -$9M | -$943,000 |
| Net borrowing | -$20M | $3M | -$8M | $1M | -$98M | $14M | $2M | $18M | $11M | $20M |
| Free cash flow margin | 21.0% | 18.5% | 37.2% | -15.5% | -65.6% | 112.9% | 71.1% | 29.3% | 26.1% | 15.7% |
| Dividends per share | $1.29 | $1.33 | $1.41 | $1.49 | $1.52 | $1.57 | $1.64 | $1.75 | $1.75 | $1.84 |
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Open CFFI in InvestinglyQuestions
What was C&F Financial's revenue in 2025?
$141M in fiscal 2025, from its 10-K filing.
How much free cash flow does C&F Financial generate?
$22M in fiscal 2025 (operating cash flow minus capital spending).
From C&F Financial's annual reports filed with the SEC (XBRL data), standardised by Investingly. Information only, not investment advice.