C&F Financial Corporation
NASDAQ: CFFI · FINANCIAL SERVICES · BANKS - REGIONAL
Updated 2026-06-05
C&F Financial Corporation (CFFI) Financial statements
SEC filings — annual and quarterly data.
Balance sheet — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total assets | $734.47M | $785.60M | $855.66M | $888.43M | $904.14M | $928.12M | $977.02M | $1.31B | $1.34B | $1.41B | $1.45B | $1.51B | $1.52B | $1.66B | $2.09B | $2.26B | $2.33B | $2.44B | $2.56B | $2.77B |
| Cash & equivalents | $28.51M | $11.43M | $9.89M | $38.06M | $9.68M | $11.51M | $25.62M | $56.42M | $167.62M | $152.94M | $103.20M | $119.42M | $115.01M | $165.43M | $86.67M | $267.75M | $26.66M | $75.16M | $65.59M | $79.13M |
| Current assets | $32.94M | $16.50M | $14.98M | $43.47M | $14.75M | $744.29M | $184.11M | $280.89M | $395.93M | $379.25M | $320.49M | $345.99M | $337.36M | $361.94M | $381.16M | $647.63M | $548.23M | $548.00M | $142.63M | $418.09M |
| Total liabilities | $666.46M | $720.37M | $790.80M | $799.55M | $811.36M | $832.03M | $874.82M | $1.20B | $1.21B | $1.27B | $1.31B | $1.37B | $1.37B | $1.49B | $1.89B | $2.05B | $2.14B | $2.22B | $2.34B | $2.51B |
| Current liabilities | $557.52M | $551.65M | $608.67M | $619.28M | $636.91M | $8.65M | $696.16M | $1.02B | $1.04B | $1.09B | $1.13B | $1.19B | $1.20B | $92.68M | $1.77B | $1.95B | $2.04B | $2.13B | $2.20B | $2.37B |
| Long-term debt | $102.59M | $154.08M | $163.44M | $159.75M | $153.52M | $153.61M | $153.61M | $158.06M | $152.59M | $165.17M | $152.20M | $147.24M | $144.77M | $144.81M | $55.71M | $55.73M | $55.49M | $51.32M | $93.61M | $93.33M |
| Shareholder equity | $68.01M | $65.22M | $64.86M | $88.88M | $92.78M | $96.09M | $102.20M | $112.94M | $123.61M | $131.06M | $139.21M | $141.70M | $151.96M | $165.27M | $193.81M | $210.32M | $195.63M | $216.88M | $226.36M | $261.75M |
| Retained earnings | $64.40M | $62.05M | $62.36M | $63.67M | $67.54M | $76.17M | $88.69M | $99.25M | $107.78M | $116.17M | $125.16M | $127.43M | $140.52M | $154.25M | $170.82M | $193.81M | $217.21M | $233.76M | $247.81M | $268.70M |
| Accounts receivable | $4.43M | $5.07M | $5.10M | $5.41M | $5.07M | $5.24M | $5.67M | $6.36M | $6.42M | $6.83M | $7.26M | $7.59M | $7.44M | $6.78M | $8.10M | $6.81M | $8.98M | $10.40M | $10.59M | $11.73M |
| Inventory | $53.50M | $34.08M | $39.01M | $41.56M | $77.83M | $80.05M | $82.90M | $42.78M | $29.09M | $942000.00 | $761000.00 | $418000.00 | $617000.00 | $-173.31M | $-95.97M | $-275.58M | $-35.99M | $99.14M | — | — |
| Goodwill | $10.72M | $10.72M | $10.72M | $10.72M | $10.72M | $10.72M | $10.72M | $14.43M | $14.43M | $14.43M | $14.43M | $14.43M | $14.43M | $14.43M | $25.19M | $25.19M | $25.19M | $25.19M | $25.19M | $25.19M |
Frequently asked questions
What is C&F Financial Corporation's revenue?
C&F Financial Corporation's trailing twelve-month revenue is $132.37M. Revenue is the top line the whole model builds on, and at this scale the question shifts from how fast it grows to whether margins hold as it compounds.
How profitable is CFFI?
In its most recent fiscal year, CFFI ran a gross margin of 69.46%, an operating margin of 17.77%, and a net margin of 14.42%. Margins this high mean most of each extra dollar of revenue drops through to profit, which is the signature of real pricing power.
How much free cash flow does CFFI generate?
CFFI produced $22.16M in free cash flow in its most recent fiscal year. Free cash flow is what is left after running and reinvesting in the business, and it is the cash that actually funds buybacks, dividends, and a stronger balance sheet.
Is CFFI's balance sheet healthy?
CFFI holds $79.13M in cash and equivalents against $93.33M in long-term debt, on $261.75M of shareholder equity. That debt is best read against the cash flow the business throws off each year.