C&F Financial Corporation
Financial ServicesNASDAQ:CFFI · NASDAQ Global Select
+$0.12 today
Vol 0.00M · Avg 0.01M
Income Statement
Follow revenue through to earnings
Review sales, margins, expenses, and profit trends to see what is actually driving reported earnings over time.
Earnings Waterfall
Revenue to Net Income
Key Ratios
Analysis
$188.8M of revenue converted into $28.2M of net income for the selected period. Gross margin is 69.3% and net margin is 15.0%, showing how much revenue survives after costs and taxes. EPS is $8.71, tying the income statement back to per-share earnings.
Income Statement
Annual data · 5 periods
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $186.1M +11.8% | $166.5M +11.2% | $149.8M +21.3% | $123.5M -11.8% | $140.0M | $809.6M | $921.6M | $731.2M |
| Cost of Revenue | $56.8M +1.4% | $56.1M +61.6% | $34.7M +213.7% | $11.1M +23.8% | $8.9M | $725.6M | $804.0M | $882.4M |
| Gross Profit | $129.3M +17.1% | $110.4M -4.0% | $115.1M +2.4% | $112.4M -14.2% | $131.0M | $8.9B | $7.6B | $6.2B |
| Gross Margin | 69.5% +3.1pp | 66.3% -10.5pp | 76.8% -14.2pp | 91.0% -2.6pp | 93.6% | 9.8% | 28.9% | 38.3% |
| Research & Development | $0 | $0 | $0 | $0 | $0 | $983.2M | $1.3B | $490.4M |
| Selling, General & Admin | $56.8M +0.3% | $56.6M -2.5% | $58.1M +14.5% | $50.7M -17.1% | $61.2M | $620.6M | $923.0M | -$1.5B |
| Operating Expenses | $96.2M +11.5% | $86.3M +0.5% | $85.9M +13.9% | $75.4M -18.9% | $93.0M | $5.3B | $7.0B | $8.7B |
| Depreciation & Amortization | $0 -100.0% | $3.9M -0.6% | $3.9M -11.0% | $4.4M -8.1% | $4.7M | $374.2M | $1.2B | $631.8M |
| EBITDA | $33.1M +18.2% | $28.0M -15.3% | $33.0M -20.0% | $41.3M -3.5% | $42.8M | -$15.2B | $6.8B | $9.3B |
| EBITDA Margin | 17.8% +1.0pp | 16.8% -5.3pp | 22.1% -11.4pp | 33.5% +2.9pp | 30.6% | 5.6% | 46.3% | 42.0% |
| Operating Income | $33.1M +37.0% | $24.1M -17.3% | $29.2M -21.1% | $37.0M -2.9% | $38.1M | $12.3B | $14.0B | -$15.7B |
| Operating Margin | 17.8% +3.3pp | 14.5% -5.0pp | 19.5% -10.5pp | 29.9% +2.7pp | 27.2% | 16.6% | 24.1% | 22.0% |
| Interest Income | $151.5M +8.5% | $139.6M +12.5% | $124.1M +22.5% | $101.4M +8.1% | $93.7M | -$1.5B | -$1.6B | $405.0M |
| Interest Expense | $45.3M +5.8% | $42.8M +62.0% | $26.4M +235.0% | $7.9M -5.6% | $8.4M | $1.1B | $1.0B | $1.2B |
| Other Income / Expenses | $0 | $0 | $0 | $0 | $0 | -$1.5B | $1.4B | $1.2B |
| Income Before Tax | $33.1M +37.0% | $24.1M -17.3% | $29.2M -21.1% | $37.0M -2.9% | $38.1M | $3.3B | $4.9B | $3.6B |
| Pre-Tax Margin | 17.8% +3.3pp | 14.5% -5.0pp | 19.5% -10.5pp | 29.9% +2.7pp | 27.2% | 20.8% | 18.7% | 26.2% |
| Income Tax Expense | $6.1M +44.2% | $4.2M -22.2% | $5.4M -28.7% | $7.6M -15.2% | $9.0M | $1.3B | -$1.6B | $745.2M |
| Net Income | $26.8M +35.3% | $19.8M -16.0% | $23.6M -19.1% | $29.2M +1.7% | $28.7M | $4.9B | $4.8B | $4.7B |
| Net Margin | 14.4% +2.5pp | 11.9% -3.8pp | 15.8% -7.9pp | 23.6% +3.1pp | 20.5% | 12.4% | 17.5% | 22.5% |
| EPS (Basic) | $8 +37.9% | $6 -13.2% | $7 -16.5% | $8 +4.3% | $8 | $400.8M | $703.2M | $1.3B |
| EPS (Diluted) | $8 +37.9% | $6 -13.2% | $7 -16.5% | $8 +4.3% | $8 | $766.2M | $609.4M | $452.6M |
| Weighted Avg Shares | $3.2M -1.9% | $3.3M -3.3% | $3.4M -3.0% | $3.5M -2.4% | $3.6M | $757.8M | $925.8M | $1.1B |
| Weighted Avg Shares (Diluted) | $3.2M -1.9% | $3.3M -3.3% | $3.4M -3.0% | $3.5M -2.4% | $3.6M | $1.2B | $924.4M | $678.0M |
Older periods hidden.
Sign in to unlockCompetitors
Peer companies in the same sector
Investar Holding Corporation
NASDAQ:ISTR
$325.97M
FVCBankcorp, Inc.
NASDAQ:FVCB
$302.17M
First Western Financial, Inc.
NASDAQ:MYFW
$297.03M
Oak Valley Bancorp
NASDAQ:OVLY
$294.39M
First United Corporation
NASDAQ:FUNC
$269.92M
Hawthorn Bancshares, Inc.
NASDAQ:HWBK
$260.00M
Princeton Bancorp, Inc.
NASDAQ:BPRN
$255.55M
LCNB Corp.
NASDAQ:LCNB
$248.59M
Virginia National Bankshares Corporation
NASDAQ:VABK
$244.01M
First Savings Financial Group, Inc.
FSFG
$238.37M
SEC Filings
Recent regulatory filings
No filings found.
How much revenue does CFFI generate?
C&F Financial Corporation (CFFI) reported $186.13M of revenue in fiscal 2025.
Is CFFI profitable?
C&F Financial Corporation (CFFI) reported $26.84M of net income, with a net margin of 14.4%.
Explore More
Continue the stock analysis
Jump to another research area for this company.