C&F Financial Corporation (CFFI) Earnings History
Steady Earner30 years of earnings data (1996–2025) · Positive but moderate multi-year EPS trajectory
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C&F Financial Corporation (CFFI) Earnings Overview
As of November 8, 2026, C&F Financial Corporation (CFFI) reported trailing twelve-month net income of $30M, reflecting +37.9% year-over-year growth. The company earned $9.31 per diluted share over the past four quarters, with a net profit margin of 19.1%.
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 industry-leading profitability with a gross margin of 91.8%, operating margin of 23.5%, and net margin of 19.1%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including NKSH ($21M net income, 28.5% margin), CZWI ($15M net income, 28.3% margin), MNSB ($16M net income, 21.1% 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 | 19.1% | 23.5% |
| 2024 | $20M | -16.0% | $24M | $6.01 | 16.0% | 19.5% |
| 2023 | $24M | -19.1% | $29M | $6.92 | 19.1% | 23.6% |
| 2022 | $29M | +1.7% | $37M | $8.29 | 25.2% | 32.0% |
| 2021 | $29M | +29.6% | $38M | $7.95 | 21.8% | 28.9% |
| 2020 | $22M | +17.3% | $29M | $6.06 | 16.4% | 21.7% |
| 2019 | $19M | +4.7% | $24M | $5.47 | 17.1% | 21.7% |
| 2018 | $18M | +174.2% | $23M | $5.15 | 16.9% | 21.2% |
| 2017 | $7M | -51.2% | $18M | $1.88 | 6.1% | 16.8% |
| 2016 | $13M | +7.4% | $18M | $3.89 | 12.6% | 16.8% |
| 2015 | $13M | +1.5% | $17M | $3.68 | 12.6% | 17.5% |
| 2014 | $12M | -14.3% | $17M | $3.59 | 12.7% | 18.0% |
| 2013 | $14M | -12.1% | $22M | $4.19 | 15.4% | 23.1% |
| 2012 | $16M | +26.2% | $24M | $4.86 | 18.7% | 27.5% |
| 2011 | $13M | +60.0% | $19M | $3.72 | 16.4% | 23.7% |
| 2010 | $8M | +46.8% | $11M | $2.24 | 9.4% | 12.8% |
| 2009 | $6M | +32.2% | $7M | $1.44 | 6.4% | 8.7% |
| 2008 | $4M | -50.7% | $5M | $1.37 | 6.0% | 6.9% |
| 2007 | $8M | -30.1% | $12M | $2.68 | 12.6% | 17.6% |
| 2006 | $12M | +2.9% | $18M | $3.71 | 18.0% | 26.0% |
| 2005 | $12M | +5.3% | $17M | $3.36 | 18.3% | 26.4% |
| 2004 | $11M | -13.3% | $16M | $3.00 | 19.3% | 27.9% |
| 2003 | $13M | +32.3% | $19M | $3.42 | 21.8% | 32.5% |
| 2002 | $10M | +22.2% | $14M | $2.67 | 22.8% | 32.4% |
| 2001 | $8M | +36.9% | $11M | $2.23 | 23.7% | 33.6% |
| 2000 | $6M | -14.2% | $8M | $1.60 | 24.3% | 31.8% |
| 1999 | $7M | +11.5% | $9M | $1.81 | 26.6% | 35.9% |
| 1998 | $6M | +24.5% | $9M | $1.56 | 25.5% | 35.6% |
| 1997 | $5M | +20.7% | $7M | $1.25 | 26.5% | 35.1% |
| 1996 | $4M | - | $5M | $0.92 | 86.2% | 106.6% |
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CFFI — Frequently Asked Questions
Quick answers to the most common questions about buying CFFI stock.
What is CFFI earnings per share (EPS)?
CFFI trailing twelve-month (TTM) diluted EPS is $9.31, reflecting +37.9% year-over-year growth. The 5-year EPS CAGR is +6.5%. Complete EPS history from 1996 to 2025 is available in the table on this page.
What is C&F Financial Corporation's net income?
C&F Financial Corporation (CFFI) trailing twelve-month net income is $30M as of 2025. Earnings grew +37.9% year-over-year. C&F Financial Corporation has been profitable for 30 consecutive years.
Is CFFI profitable?
Yes, CFFI is profitable with a TTM net income of $30M and a net profit margin of +19.1%. C&F Financial Corporation has generated profits for 30 consecutive years.
What is CFFI's earnings growth rate?
CFFI compound annual EPS growth rates (CAGR): 1-Year: +37.9%, 3-Year: +0.0%, 5-Year: +6.5%, 10-Year: +8.5%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1996 to 2025.
What are CFFI's profit margins?
C&F Financial Corporation net profit margin is +19.1%, operating margin is +23.5%, and gross margin is +91.8%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +11.0%.
Is CFFI growing earnings?
Yes, CFFI earnings are accelerating — EPS growth of +37.9% exceeds the 5-year CAGR of +6.5%. TTM net income reached $30M. Earnings momentum is strengthening.
What was CFFI's best earnings year?
C&F Financial Corporation's highest annual net income on record is $29M, achieved in fiscal year 2022. Earnings history on this page spans 1996 to 2025 and includes all annual and quarterly figures.
What were CFFI's earnings last quarter?
CFFI's most recent reported quarter was Q3 2026. Net income was $8M with diluted EPS of $2.55. For a full breakdown of all quarters, see the quarterly earnings table on this page.