CFFI
C&F Financial Corporation
NASDAQ: CFFI · FINANCIAL SERVICES · BANKS - REGIONAL
$76.72
-2.64% today
Updated 2026-04-29
Market cap
$245.30M
P/E ratio
8.67
P/S ratio
1.85x
EPS (TTM)
$8.71
Dividend yield
2.49%
52W range
$56 – $81
Volume
0.0M
C&F Financial Corporation (CFFI) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $85.97M | $90.70M | $90.85M | $101.66M | $99.55M | $90.96M | $97.59M | $101.88M | $105.90M | $107.76M | $115.49M | $116.83M | $117.47M | $124.79M | $148.21M | $139.97M | $123.45M | $149.76M | $166.51M | $186.13M |
| Revenue growth (YoY) | — | +5.5% | +0.2% | +11.9% | -2.1% | -8.6% | +7.3% | +4.4% | +3.9% | +1.8% | +7.2% | +1.2% | +0.6% | +6.2% | +18.8% | -5.6% | -11.8% | +21.3% | +11.2% | +11.8% |
| Cost of revenue | $23.08M | $30.51M | $35.16M | $34.02M | $28.19M | $26.04M | $22.52M | $23.71M | $24.86M | $24.21M | $27.01M | $26.04M | $22.03M | $23.07M | $24.46M | $8.93M | $11.06M | $34.70M | $56.07M | $56.84M |
| Gross profit | $62.89M | $60.20M | $55.69M | $67.64M | $71.35M | $64.92M | $75.07M | $78.17M | $81.05M | $83.56M | $88.48M | $90.79M | $95.44M | $101.72M | $123.75M | $131.04M | $112.39M | $115.05M | $110.44M | $129.29M |
| Gross margin | 73.2% | 66.4% | 61.3% | 66.5% | 71.7% | 71.4% | 76.9% | 76.7% | 76.5% | 77.5% | 76.6% | 77.7% | 81.2% | 81.5% | 83.5% | 93.6% | 91.0% | 76.8% | 66.3% | 69.5% |
| R&D | — | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $29.01M | $30.79M | $27.72M | $35.12M | $36.76M | $26.57M | $30.09M | $33.87M | $39.93M | $42.63M | $48.67M | $43.60M | $42.00M | $47.20M | $57.67M | $59.64M | $48.92M | $56.53M | $55.41M | $56.78M |
| Operating income | $17.56M | $11.82M | $4.80M | $7.47M | $11.06M | $18.71M | $24.03M | $21.57M | $17.49M | $17.38M | $17.92M | $17.97M | $22.54M | $23.93M | $29.22M | $38.08M | $36.96M | $29.16M | $24.13M | $33.07M |
| Operating margin | 20.4% | 13.0% | 5.3% | 7.3% | 11.1% | 20.6% | 24.6% | 21.2% | 16.5% | 16.1% | 15.5% | 15.4% | 19.2% | 19.2% | 19.7% | 27.2% | 29.9% | 19.5% | 14.5% | 17.8% |
| EBITDA | $19.57M | $14.39M | $7.18M | $9.54M | $12.95M | $20.83M | $26.30M | $23.92M | $20.23M | $19.89M | $21.34M | $21.41M | $26.21M | $27.80M | $33.41M | $42.82M | $41.32M | $33.04M | $27.99M | $33.07M |
| EBITDA margin | 22.8% | 15.9% | 7.9% | 9.4% | 13.0% | 22.9% | 26.9% | 23.5% | 19.1% | 18.5% | 18.5% | 18.3% | 22.3% | 22.3% | 22.5% | 30.6% | 33.5% | 22.1% | 16.8% | 17.8% |
| EBIT | $17.56M | $11.82M | $4.80M | $7.47M | $11.06M | $18.71M | $24.03M | $21.57M | $17.49M | $17.38M | $17.92M | $17.97M | $22.54M | $23.93M | $29.22M | $38.08M | $36.96M | $29.16M | $24.13M | — |
| Interest expense | $18.46M | $23.38M | $21.39M | $15.46M | $13.23M | $11.88M | $10.11M | $8.62M | $8.53M | $8.69M | $8.97M | $9.60M | $11.03M | $14.56M | $13.38M | $8.36M | $7.89M | $26.43M | $42.82M | $45.29M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $12.13M | $8.48M | $4.18M | $5.53M | $8.11M | $12.98M | $16.38M | $14.40M | $12.34M | $12.53M | $13.46M | $6.57M | $18.02M | $18.86M | $22.12M | $28.67M | $29.16M | $23.60M | $19.83M | $26.84M |
| Net income growth (YoY) | — | -30.1% | -50.7% | +32.2% | +46.8% | +60.0% | +26.2% | -12.1% | -14.3% | +1.5% | +7.4% | -51.2% | +174.2% | +4.7% | +17.3% | +29.6% | +1.7% | -19.1% | -16.0% | +35.3% |
| Profit margin | 14.1% | 9.3% | 4.6% | 5.4% | 8.1% | 14.3% | 16.8% | 14.1% | 11.7% | 11.6% | 11.7% | 5.6% | 15.3% | 15.1% | 14.9% | 20.5% | 23.6% | 15.8% | 11.9% | 14.4% |