C&F Financial Corporation (CFFI) Earnings History
Annual and quarterly earnings data from 1996 to 2025
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CFFI EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
CFFI Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2025 | 69.5% | 17.8% | 14.4% |
| 2024 | 66.3% | 14.5% | 11.9% |
| 2023 | 76.8% | 19.5% | 15.8% |
| 2022 | 91.0% | 29.9% | 23.6% |
| 2021 | 93.6% | 27.2% | 20.5% |
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C&F Financial Corporation (CFFI) Earnings Overview
As of May 8, 2026, C&F Financial Corporation (CFFI) reported trailing twelve-month net income of $27M, reflecting +37.9% year-over-year growth. The company earned $8.29 per diluted share over the past four quarters, with a net profit margin of 14.4%.
Looking at the long-term picture, CFFI's 5-year EPS compound annual growth rate (CAGR) stands at +6.5%, showing solid earnings momentum. The company achieved its highest annual net income of $29M in fiscal 2022.
C&F Financial Corporation maintains positive profitability with a gross margin of 69.5%, operating margin of 17.8%, and net margin of 14.4%. The company continues to generate positive earnings from operations. View revenue history →
Compared to peers including NKSH ($16M net income, 18.6% margin), CZWI ($14M net income, 16.0% margin), MNSB ($16M net income, 11.5% margin), CFFI has room to improve margins relative to the peer group. Compare CFFI vs NKSH →
CFFI Earnings vs Peers
Earnings metrics vs comparable public companies
CFFI Historical Earnings Data (1996–2025)
30 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $27M | +35.3% | $33M | $8.29 | 14.4% | 17.8% |
| 2024 | $20M | -16.0% | $24M | $6.01 | 11.9% | 14.5% |
| 2023 | $24M | -19.1% | $29M | $6.92 | 15.8% | 19.5% |
| 2022 | $29M | +1.7% | $37M | $8.29 | 23.6% | 29.9% |
| 2021 | $29M | +29.6% | $38M | $7.95 | 20.5% | 27.2% |
| 2020 | $22M | +17.3% | $29M | $6.06 | 14.9% | 19.7% |
| 2019 | $19M | +4.7% | $24M | $5.47 | 15.1% | 19.2% |
| 2018 | $18M | +174.2% | $23M | $5.15 | 15.3% | 19.2% |
| 2017 | $7M | -51.2% | $18M | $1.88 | 5.6% | 15.4% |
| 2016 | $13M | +7.4% | $18M | $3.89 | 11.7% | 15.5% |
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Start ComparisonCFFI — Frequently Asked Questions
Quick answers to the most common questions about buying CFFI stock.
Is CFFI growing earnings?
CFFI EPS is $8.29, with earnings growth accelerating to +37.9%. This exceeds the 5-year CAGR of +6.5%. TTM net income reached $27M.
What are CFFI's profit margins?
C&F Financial Corporation net margin is +14.4%, with operating margin at +17.8%. Margins sit within typical range for the sector.
How consistent are CFFI's earnings?
CFFI earnings data spans 1996-2025. The accelerating earnings trend is +37.9% YoY. Historical data enables comparison across business cycles.