CFFI
CFFI
NASDAQ · Banking

C & F Financial Corp

$73.62
+0.68 (+0.93%)
As of Apr 1, 2:20 PM ET ·
Financial Highlights (FY 2025)
Revenue
134.28M
Net Income
25.36M
Gross Margin
42.4%
Profit Margin
18.9%
Rev Growth
-6.2%
D/E Ratio
0.15
Revenue & Net Income
Margin Trends
FY 2025 FY 2024 FY 2023
Gross Margin 42.4% 42.4% 42.4%
Operating Margin 25.8% 27.8% 29.7%
Profit Margin 18.9% 23.4% 20.2%
Income Statement
FY 2025 FY 2024 FY 2023
Revenue 134.28M 139.85M 106.80M
Gross Profit 57.00M 59.36M 45.34M
Operating Income 34.63M 38.89M 31.73M
Net Income 25.36M 32.78M 21.54M
Gross Margin 42.4% 42.4% 42.4%
Operating Margin 25.8% 27.8% 29.7%
Profit Margin 18.9% 23.4% 20.2%
Rev Growth -6.2% -4.5% +16.0%
Balance Sheet
FY 2025 FY 2024 FY 2023
Total Debt 26.23M 25.13M 23.39M
Total Equity 175.12M 193.79M 195.36M
D/E Ratio 0.15 0.13 0.12
Cash Flow
FY 2025 FY 2024 FY 2023
EBITDA 56.11M 54.46M 39.84M
Free Cash Flow 21.53M 29.80M 21.68M