CFFI · C & F Financial Corp
$84.75
+1.26 (+1.51%)
At close · Jul 29
Market Cap
$275.81M
Shares
3.25M
Income-statement, balance-sheet and cash-flow figures extracted from the company's SEC filings — 10-K annual and 10-Q quarterly reports — and standardised for comparison across periods.
Revenue
$140.84M
+10.6%
FY2025
Net Income
$26.84M
+35.3%
FY2025
Diluted EPS
$8.29
+37.9%
FY2025
Operating Cash Flow
$24.49M
-36.4%
FY2025
Chart any reported metric, KPI or segment over time — the full statement history lives here
Search above to add metrics — fundamentals, product and segment revenue, company KPIs, valuation.
| Line Item | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $144.52M | $140.84M | $127.31M | $127.32M | $121.95M | $134.53M | $152.33M | $127.02M | $118.31M | $116.33M | $115.07M | $107.76M | $106.07M | — | $110.47M | — | |
| $154.66M | $151.5M | $139.59M | $124.14M | $101.35M | $93.73M | $96.91M | $95.01M | $92.55M | $89.59M | $89.44M | $87.05M | $86.5M | $80.21M | $76.96M | $73.79M | |
| $108.91M | $106.21M | $96.78M | $97.71M | $93.46M | $85.37M | $83.53M | $80.45M | $81.52M | $79.99M | $80.47M | $78.36M | $77.97M | $71.59M | $66.85M | $61.91M | |
| $35.61M | $34.63M | $30.54M | $29.62M | $28.48M | $49.16M | $55.42M | $32.01M | $25.76M | $26.74M | $25.63M | $20.71M | $19.57M | $22.22M | — | — | |
| $200K | $238K | $260K | $272K | $298K | $314K | $332K | $230K | $451K | $160K | $741K | $966K | $1.19M | — | — | — | |
| $3.88M | $3.92M | $3.86M | $3.88M | $4.36M | $4.74M | $4.19M | $3.87M | — | — | — | — | — | — | — | — | |
| $31.63M | — | — | $26.43M | $7.89M | $8.36M | $13.38M | $14.56M | $11.03M | $9.6M | $8.97M | $8.69M | $8.53M | $8.62M | $10.11M | $11.88M | |
| $34.89M | $33.07M | $24.13M | $29.16M | $36.96M | $38.08M | $29.22M | $23.93M | $22.54M | $17.97M | $17.92M | $17.38M | $17.08M | $21.11M | $24.03M | $18.71M | |
| $6.5M | $6.08M | $4.22M | $5.42M | $7.6M | $8.96M | $6.8M | $5.08M | $4.52M | $11.39M | $4.46M | $4.85M | $4.73M | $6.71M | $7.65M | $5.74M | |
| $28.21M | $26.84M | $19.83M | $23.6M | $29.16M | $28.67M | $22.12M | $18.86M | $18.02M | $6.57M | $13.46M | $12.53M | $12.35M | $14.4M | $16.38M | $12.98M | |
| — | 19.05% | 15.58% | 18.54% | 23.91% | 21.31% | 14.52% | 14.85% | 15.23% | 5.65% | 11.7% | 11.63% | 11.64% | — | 14.83% | — | |
| $176K | $156K | $84K | $142K | $210K | $456K | $307K | -$9000 | — | — | — | — | — | — | — | — | |
| — | — | — | — | — | — | — | — | $18.02M | $6.57M | $13.46M | $12.53M | $12.35M | $14.4M | $16.07M | $11.79M | |
| $35.93M | $40.27M | $21.92M | $33.88M | -$5.71M | $28.54M | $22.41M | $21.28M | $15.24M | $6M | $11.3M | $10.62M | $15.7M | $9.42M | $17.71M | $16.29M | |
| USD/shares | — | $8.29 | $6.01 | $6.92 | $8.29 | $7.95 | — | $5.47 | $5.15 | $1.89 | $3.90 | $3.68 | $3.63 | $4.36 | $5.00 | $3.76 |
| USD/shares | — | $8.29 | $6.01 | $6.92 | $8.29 | $7.95 | — | $5.47 | $5.15 | $1.88 | $3.89 | $3.68 | $3.59 | $4.18 | $4.86 | $3.72 |
| shares | — | 3.24M | 3.3M | 3.41M | 3.52M | 3.6M | 3.65M | 3.45M | 3.5M | 3.49M | 3.45M | 3.4M | 3.4M | 3.31M | 3.22M | — |
| shares | — | 3.24M | 3.3M | 3.41M | — | 3.6M | 3.65M | 3.45M | 3.5M | 3.49M | 3.46M | 3.4M | 3.44M | 3.44M | — | — |
Italic rows are computed from reported lines — open a row's info icon for its formula. Values reflect the latest filing (restatements included); per-share figures on today's split basis. Click a value for its source filing.
TTM: trailing twelve months through the latest reported quarter — flows sum the last four quarters, balances take the latest. 3Y/5Y/10Y columns are trailing CAGR from the newest fiscal year; blank where an endpoint is missing or negative.
Capital Returned to Shareholders
Cash spent on share repurchases and dividends per fiscal year, as reported on the cash-flow statement. Across FY2011–FY2025: $40.44M in buybacks, $73.6M in dividends.
Price & Valuation
Multiples computed on the strict TTM/EV methodology — today's snapshot against peers, and each ratio recomputed as of past filing dates.
Valuation
EV/Revenue
—
EV/EBIT
—
P/E (TTM)
9.73×
Peer median 13.06×
Peer medians compare against the 230 similar-size Banks - Regional companies (of 307 listed).
Valuation over time computed as of each quarter's filing date
Revenue Breakdown
Annual revenue as the company disaggregates it in its own XBRL filings. Years a component wasn't reported show a dash.
Share mode is each component's slice of the reported components that year — issuers rarely tag every revenue dollar, so slices need not sum to total revenue.
By Segment (USD)
| Component | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Community Banking | $99,214,000 | $89,281,000 | $90,668,000 | $86,286,000 | $71,917,000 | $67,928,000 | $62,352,000 | $66,048,000 |
| Consumer Finance Segment | $26,911,000 | $27,048,000 | $25,400,000 | $28,367,000 | $29,346,000 | $30,715,000 | $31,785,000 | $43,527,000 |
| Mortgage Banking Segment | $15,827,000 | $12,124,000 | $11,281,000 | $14,193,000 | $34,250,000 | $39,152,000 | $16,787,000 | $13,874,000 |
| All Other Segments | -$937,000 | -$958,000 | $11,000 | -$5,588,000 | -$142,000 | $429,000 | $973,000 | $2,751,000 |
Key facts
CIK
913341
CUSIP
12466Q104
13F (30d)
12 filings
12 filers
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