CFFI
C & F FINANCIAL CORP
NASDAQ · Financial Services · Banks - Regional · US
$111.56
+0.52%Income statement
| Metric | TTM | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|---|
| Revenue | |||||
| Total Revenue | 195.0M | 186.1M | 166.5M | 149.8M | 123.5M |
| Cost of Revenue | 59.4M | 56.8M | 56.1M | 34.7M | 11.1M |
| Gross Profit | 135.6M | 129.3M | 110.4M | 115.1M | 112.4M |
| Operating Expenses | |||||
| R&D Expense | — | — | — | — | — |
| SG&A Expense | 38.3M | 56.8M | 56.6M | 58.1M | 50.7M |
| General & Admin Expense | 36.5M | 56.8M | 55.4M | 56.5M | 48.9M |
| Selling & Marketing Expense | 1.8M | — | 1.2M | 1.5M | 1.8M |
| Other Expenses | 59.9M | 39.4M | 29.7M | 27.8M | 24.7M |
| Total Operating Expenses | 98.2M | 96.2M | 86.3M | 85.9M | 75.4M |
| Cost and Expenses | 157.6M | 153.1M | 142.4M | 120.6M | 86.5M |
| Operating Income (EBIT) | 37.5M | 33.1M | 24.1M | 29.2M | 37.0M |
| Non-Operating | |||||
| Interest Income | 159.3M | 151.5M | 139.6M | 124.1M | 101.4M |
| Interest Expense | 45.9M | 45.3M | 42.8M | 26.4M | 7.9M |
| Net Interest Income | 113.4M | 106.2M | 96.8M | 97.7M | 93.5M |
| Other Non-Op Income/Expense | — | — | — | — | — |
| Non-Operating Income (excl Interest) | (11.4M) | — | — | — | — |
| EBT (Pre-Tax Income) | 37.5M | 33.1M | 24.1M | 29.2M | 37.0M |
| Income Tax Expense | 7.1M | 6.1M | 4.2M | 5.4M | 7.6M |
| Bottom Line | |||||
| Net Income | 30.3M | 26.8M | 19.8M | 23.6M | 29.2M |
| Earnings from Cont. Ops | 30.4M | 27.0M | 19.9M | 23.7M | 29.4M |
| Earnings from Discont. Ops | — | — | — | — | — |
| Bottom Line Net Income | 30.3M | 26.8M | 19.8M | 23.6M | 29.2M |
| Per Share | |||||
| Basic EPS | $9.33 | $8.29 | $6.01 | $6.92 | $8.29 |
| Diluted EPS | $9.33 | $8.29 | $6.01 | $6.92 | $8.29 |
| Revenue Per Share | $59.99 | $57.49 | $50.46 | $43.89 | $35.10 |
| Shares | |||||
| Basic Shares Outstanding | 3.3M | 3.2M | 3.3M | 3.4M | 3.5M |
| Diluted Shares Outstanding | 3.3M | 3.2M | 3.3M | 3.4M | 3.5M |
| Profitability Metrics | |||||
| EBITDA | 51.6M | 36.6M | 28.0M | 33.0M | 41.3M |
| D&A | 2.7M | 3.5M | 3.9M | 3.9M | 4.4M |
| EBIT | 48.9M | 33.1M | 24.1M | 29.2M | 37.0M |
As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026