C&F Financial Corporation (CFFI) quarterly income statement — complete revenue, gross profit & net income history
C&F Financial Corporation (CFFI) annual income statement — 30-year revenue, gross profit & net income history
| Metric | Q3'26 | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 |
|---|
| Net Interest Income | 30.17M | 28.04M | 27.71M | 27.52M | 27.17M | 26.51M | 25.01M | 25.1M | 24.69M | 23.83M | 23.16M | 23.94M | 24.46M | 24.34M | 24.96M | 25.98M | 24.38M | 22.63M | 20.48M | 21.35M |
| NII Growth % | 11.04% | 5.78% | 10.79% | 9.63% | 10.07% | 11.25% | 8% | 4.84% | 0.93% | -2.12% | -7.21% | -7.83% | 0.34% | 7.57% | 21.89% | 21.69% | 12.78% | 4.16% | -0.97% | -2.21% |
| Net Interest Margin % | 1.07% | 1% | 0.98% | 0.99% | 1% | 0.99% | 0.96% | 0.98% | 0.97% | 0.96% | 0.94% | 0.98% | 1.01% | 1.01% | 1.02% | 1.11% | 1.04% | 0.97% | 0.89% | 0.94% |
| Interest Income | 41.58M | 39.3M | 39.15M | 39.32M | 38.78M | 37.41M | 35.99M | 36.44M | 36.13M | 34.31M | 32.71M | 32.41M | 31.69M | 30.74M | 29.3M | 28.41M | 26.33M | 24.39M | 22.23M | 23.18M |
| Interest Expense | 11.4M | 11.26M | 11.44M | 11.8M | 11.61M | 10.9M | 10.98M | 11.34M | 11.44M | 10.48M | 9.55M | 8.47M | 7.22M | 6.39M | 4.35M | 2.43M | 1.95M | 1.76M | 1.75M | 1.83M |
| Loan Loss Provision | 2.75M | 3.6M | 3.6M | 3.55M | 2.9M | 2.1M | 3M | 3.5M | 3.7M | 2.55M | 3.5M | 2.48M | 2.05M | 1.7M | 2.05M | 1.77M | 1.2M | 530K | -328K | 465K |
| Non-Interest Income | 8.04M | 10.74M | 8.55M | 8.37M | 7.82M | 9.43M | 6.68M | 6.02M | 7.72M | 6.9M | 6.7M | 8M | 5.12M | 7.48M | 7.27M | 6.55M | 5.66M | 5.07M | 6.09M | 8.99M |
| Non-Interest Income % | 21.03% | 27.7% | 23.58% | 23.31% | 22.34% | 26.23% | 21.09% | 19.35% | 23.82% | 22.47% | 22.43% | 25.04% | 17.3% | 23.51% | 22.55% | 20.13% | 18.84% | 18.31% | 22.92% | 29.65% |
| Total Net Revenue | 38.21M | 38.78M | 36.26M | 35.88M | 34.99M | 35.93M | 31.69M | 31.12M | 32.41M | 30.73M | 29.86M | 31.94M | 29.58M | 31.83M | 32.22M | 32.52M | 30.04M | 27.7M | 26.57M | 30.34M |
| Revenue Growth % | 9.2% | 7.93% | 14.41% | 15.3% | 7.96% | 16.93% | 6.16% | -2.56% | 9.57% | -3.44% | -7.35% | -1.79% | -1.54% | 14.88% | 21.3% | 7.19% | -8.1% | -17.78% | -21.54% | -21.19% |
| Non-Interest Expense | 25.28M | 24.32M | 24.32M | 24.24M | 23.26M | 24.21M | 22.17M | 20.39M | 22.04M | 21.95M | 22.36M | 23.27M | 20.43M | 22.21M | 22.22M | 18M | 20.62M | 18.51M | 19.57M | 21.83M |
| Efficiency Ratio | 66.16% | 62.69% | 67.06% | 67.55% | 66.48% | 67.37% | 69.95% | 65.51% | 68% | 71.43% | 74.88% | 72.85% | 69.07% | 69.78% | 68.97% | 55.33% | 68.64% | 66.81% | 73.67% | 71.94% |
| Operating Income | 10.18M | 10.87M | 8.34M | 8.09M | 8.83M | 9.63M | 6.52M | 7.23M | 6.67M | 6.23M | 4M | 6.2M | 7.1M | 7.92M | 7.95M | 12.76M | 8.22M | 8.66M | 7.32M | 8.05M |
| Operating Margin % | 26.64% | 28.02% | 23.01% | 22.55% | 25.23% | 26.79% | 20.58% | 23.24% | 20.58% | 20.27% | 13.4% | 19.4% | 24% | 24.88% | 24.67% | 39.22% | 27.36% | 31.28% | 27.56% | 26.53% |
| Operating Income Growth % | 15.3% | 12.91% | 27.9% | 11.87% | 32.35% | 54.54% | 63.1% | 16.73% | -6.06% | -21.32% | -49.69% | -51.42% | -13.63% | -8.63% | 8.58% | 58.47% | -18.24% | -17.68% | -22.53% | -25.19% |
| Pretax Income | 10.18M | 10.87M | 8.34M | 8.09M | 8.83M | 9.63M | 6.52M | 7.23M | 6.67M | 6.23M | 4M | 6.2M | 7.1M | 7.92M | 7.95M | 12.76M | 8.22M | 8.66M | 7.32M | 8.05M |
| Pretax Margin % | 26.64% | 28.02% | 23.01% | 22.55% | 25.23% | 26.79% | 20.58% | 23.24% | 20.58% | 20.27% | 13.4% | 19.4% | 24% | 24.88% | 24.67% | 39.22% | 27.36% | 31.28% | 27.56% | 26.53% |
| Income Tax | 1.92M | 2.24M | 1.55M | 1.38M | 1.72M | 1.86M | 1.13M | 1.21M | 1.25M | 1.2M | 565K | 1.11M | 1.32M | 1.53M | 1.45M | 2.45M | 1.68M | 1.88M | 1.59M | 2.01M |
| Effective Tax Rate % | 18.88% | 20.64% | 18.58% | 17.01% | 19.43% | 19.31% | 17.31% | 16.66% | 18.74% | 19.18% | 14.12% | 17.9% | 18.63% | 19.36% | 18.28% | 19.21% | 20.38% | 21.72% | 21.67% | 24.96% |
| Net Income | 8.28M | 8.56M | 6.75M | 6.7M | 7.08M | 7.69M | 5.37M | 6.04M | 5.39M | 5.01M | 3.4M | 5.07M | 5.79M | 6.31M | 6.44M | 10.31M | 6.48M | 6.74M | 5.63M | 5.92M |
| Net Margin % | 21.66% | 22.08% | 18.61% | 18.67% | 20.22% | 21.4% | 16.94% | 19.4% | 16.63% | 16.29% | 11.39% | 15.87% | 19.57% | 19.81% | 19.99% | 31.69% | 21.57% | 24.34% | 21.19% | 19.52% |
| Net Income Growth % | 16.96% | 11.34% | 25.69% | 11% | 31.29% | 53.61% | 57.84% | 19.12% | -6.91% | -20.6% | -47.2% | -50.83% | -10.66% | -6.47% | 14.43% | 74% | -15.56% | -15.81% | -20.28% | -25.95% |
| Net Income (Continuing) | 8.26M | 8.63M | 6.79M | 6.72M | 7.11M | 7.77M | 5.39M | 6.03M | 5.42M | 5.03M | 3.44M | 5.09M | 5.78M | 6.38M | 6.5M | 10.31M | 6.54M | 6.78M | 5.74M | 6.04M |
| EPS (Diluted) | 2.55 | 2.63 | 2.08 | 2.07 | 2.19 | 2.37 | 1.66 | 1.87 | 1.65 | 1.50 | 1.01 | 1.50 | 1.71 | 1.84 | 1.86 | 2.97 | 1.85 | 1.91 | 1.59 | 1.67 |
| EPS Growth % | 16.44% | 10.97% | 25.3% | 10.7% | 32.73% | 58% | 64.36% | 24.67% | -3.51% | -18.48% | -45.7% | -49.49% | -7.57% | -3.66% | 16.98% | 77.84% | -14.35% | -12.79% | -17.19% | -23.74% |
| EPS (Basic) | 2.55 | 2.63 | 2.08 | 2.07 | 2.19 | 2.37 | 1.66 | 1.87 | 1.65 | 1.50 | 1.01 | 1.50 | 1.71 | 1.84 | 1.86 | 2.97 | 1.85 | 1.91 | 1.59 | 1.67 |
| Diluted Shares Outstanding | 3.25M | 3.25M | 3.25M | 3.24M | 3.24M | 3.24M | 3.23M | 3.23M | 3.26M | 3.34M | 3.37M | 3.37M | 3.39M | 3.42M | 3.46M | 3.48M | 3.51M | 3.53M | 3.55M | 3.54M |