C&F Financial Corporation (CFFI) — Financial statements
Income statement, balance sheet, and cash flow for C&F Financial Corporation — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 186↑11.8% | 167↑11.2% | 150↑21.3% | 123↓11.8% | 140 | |
| Cost of Revenue | 57↑1.4% | 56↑61.6% | 35↑213.7% | 11↑23.8% | 9 | |
| Gross Profit | 129↑17.1% | 110↓4.0% | 115↑2.4% | 112↓14.2% | 131 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 57↑2.5% | 55↓2.0% | 57↑15.6% | 49↓18.0% | 60 | |
| Selling & Marketing Expenses | 0.00↓100.0% | 1↓21.6% | 2↓14.2% | 2↑18.5% | 2 | |
| SG&A Expenses | 57↑0.3% | 57↓2.5% | 58↑14.5% | 51↓17.1% | 61 | |
| Other Expenses | 39↑32.9% | 30↑6.8% | 28↑12.6% | 25↓22.3% | 32 | |
| Operating Expenses | 96↑11.5% | 86↑0.5% | 86↑13.9% | 75↓18.9% | 93 | |
| Total Costs & Expenses | 153↑7.5% | 142↑18.1% | 121↑39.4% | 86↓15.1% | 102 | |
| Operating Results | ||||||
| Operating Income | 33↑37.0% | 24↓17.3% | 29↓21.1% | 37↓2.9% | 38 | |
| Depreciation & Amortization | 0.00↓100.0% | 4↓0.6% | 4↓11.0% | 4↓8.1% | 5 | |
| EBITDA | 33↑18.2% | 28↓15.3% | 33↓20.0% | 41↓3.5% | 43 | |
| EBIT | 33↑37.0% | 24↓17.3% | 29↓21.1% | 37↓2.9% | 38 | |
| Interest & Other Income | ||||||
| Net Interest Income | 106↑9.7% | 97↓1.0% | 98↑4.5% | 93↑9.5% | 85 | |
| Interest Income | 151↑8.5% | 140↑12.5% | 124↑22.5% | 101↑8.1% | 94 | |
| Interest Expense | 45↑5.8% | 43↑62.0% | 26↑235.0% | 8↓5.6% | 8 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 33↑37.0% | 24↓17.3% | 29↓21.1% | 37↓2.9% | 38 | |
| Income Tax Expense | 6↑44.2% | 4↓22.2% | 5↓28.7% | 8↓15.2% | 9 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 27↑35.5% | 20↓16.1% | 24↓19.1% | 29↑0.8% | 29 | |
| Net Income from Discontinued Operations | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Net Income | 27↑35.3% | 20↓16.0% | 24↓19.1% | 29↑1.7% | 29 | |
| Bottom-Line Net Income | 27↑35.3% | 20↓16.0% | 24↓19.1% | 29↑1.7% | 29 | |
| EPS (Basic) | 8.29↑37.9% | 6.01↓13.2% | 6.92↓16.5% | 8.29↑4.3% | 7.95 | |
| EPS (Diluted) | 8.29↑37.9% | 6.01↓13.2% | 6.92↓16.5% | 8.29↑4.3% | 7.95 | |
| Weighted Average Shares | 3↓1.9% | 3↓3.3% | 3↓3.0% | 4↓2.4% | 4 | |
| Weighted Average Diluted Shares | 3↓1.9% | 3↓3.3% | 3↓3.0% | 4↓2.4% | 4 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.