C&F Financial Corporation (CFFI) Income Statement
CFFI 2025 at a glance
Fiscal year ended December 31, 2025 · U.S. dollarsCFFI revenue and net income
Where CFFI's revenue goes
2025Each bar shows an amount and its share of revenue. CFFI kept 14.4% of revenue as net income.
CFFI profit margins
CFFI growth rates
to 2025| 1 year | 3 years | 5 years | 10 years | |
|---|---|---|---|---|
| Revenue | +11.8% | +14.7% | +4.7% | +5.6% |
| Gross profit | +17.1% | +4.8% | +0.9% | +4.5% |
| Operating income | +37.0% | −3.6% | +2.5% | +6.6% |
| Net income | +35.3% | −2.7% | +3.9% | +7.9% |
| EPS (diluted) | +37.5% | −0.1% | +6.5% | +8.6% |
1-year change and average annual growth (CAGR) over 3, 5 and 10 fiscal years. "—" when a starting value was zero or negative.
CFFI quarterly EPS vs estimates
Next report: October 22, 2026 (estimate $2.46).
CFFI income statement
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $186.1M | $166.5M | $149.8M | $123.5M | $140.0M | $148.2M | $124.8M | $117.5M | $116.8M | $115.5M |
| Cost of revenue | $56.8M | $56.1M | $34.7M | $11.1M | $8.9M | $24.5M | $23.1M | $22.0M | $26.0M | $27.0M |
| Gross profit | $129.3M | $110.4M | $115.1M | $112.4M | $131.0M | $123.8M | $101.7M | $95.4M | $90.8M | $88.5M |
| Research & development | — | — | — | — | — | — | — | $0 | $0 | $0 |
| Sales, general & admin | $56.8M | $56.6M | $58.1M | $50.7M | $61.2M | $59.3M | $49.0M | $43.6M | $45.1M | $50.3M |
| Total operating expenses | $96.2M | $86.3M | $85.9M | $75.4M | $93.0M | $94.5M | $77.8M | $72.9M | $72.8M | $70.6M |
| Operating income | $33.1M | $24.1M | $29.2M | $37.0M | $38.1M | $29.2M | $23.9M | $22.5M | $18.0M | $17.9M |
| Interest income | $151.5M | $139.6M | $120.1M | $101.4M | $93.7M | $96.9M | $95.0M | $92.5M | $89.6M | $89.4M |
| Interest expense | $45.3M | $42.8M | $26.4M | $7.9M | $8.4M | $13.4M | $14.6M | $11.0M | $9.6M | $9.0M |
| Income before taxes | $33.1M | $24.1M | $29.2M | $37.0M | $38.1M | $29.2M | $23.9M | $22.5M | $18.0M | $17.9M |
| Income taxes | $6.1M | $4.2M | $5.4M | $7.6M | $9.0M | $6.8M | $5.1M | $4.5M | $11.4M | $4.5M |
| Net income | $26.8M | $19.8M | $23.6M | $29.2M | $28.7M | $22.1M | $18.9M | $18.0M | $6.6M | $13.5M |
| EBITDA | $36.6M | $28.0M | $33.0M | $41.3M | $42.8M | $33.4M | $27.8M | $26.2M | $21.4M | $21.3M |
| EPS (diluted) | $8.29 | $6.03 | $6.92 | $8.32 | $7.94 | $6.06 | $5.46 | $5.15 | $2.89 | $3.95 |
| Gross margin | 69.5% | 66.3% | 76.8% | 91.0% | 93.6% | 83.5% | 81.5% | 81.2% | 77.7% | 76.6% |
| Operating margin | 17.8% | 14.5% | 19.5% | 29.9% | 27.2% | 19.7% | 19.2% | 19.2% | 15.4% | 15.5% |
| Net margin | 14.4% | 11.9% | 15.8% | 23.6% | 20.5% | 14.9% | 15.1% | 15.3% | 5.6% | 11.7% |
| Jun '26 | Mar '26 | Dec '25 | Sep '25 | Jun '25 | Mar '25 | Dec '24 | Sep '24 | Jun '24 | Mar '24 | Dec '23 | Sep '23 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $50.0M | $47.7M | $47.7M | $46.6M | $46.8M | $42.7M | $42.5M | $43.9M | $41.2M | $39.4M | $40.4M | $36.8M |
| Cost of revenue | $14.9M | $15.0M | $15.4M | $14.5M | $13.0M | $14.0M | $14.8M | $15.1M | $13.0M | $13.1M | $10.9M | $9.3M |
| Gross profit | $35.2M | $32.7M | $32.3M | $32.1M | $33.8M | $28.7M | $27.6M | $28.7M | $28.2M | $26.4M | $29.5M | $27.5M |
| Sales, general & admin | $1.6M | $1.5M | $14.0M | $15.3M | $15.7M | $14.3M | $13.2M | $14.7M | $14.0M | $14.7M | $14.9M | $13.6M |
| Total operating expenses | $24.3M | $24.3M | $24.2M | $23.3M | $24.2M | $22.2M | $20.4M | $22.0M | $22.0M | $22.4M | $23.3M | $20.4M |
| Operating income | $10.9M | $8.3M | $8.1M | $8.8M | $9.6M | $6.5M | $7.2M | $6.7M | $6.2M | $4.0M | $6.2M | $7.1M |
| Interest income | $40.4M | $39.1M | $39.3M | $38.8M | $37.4M | $36.0M | $36.4M | $36.1M | $34.3M | $32.7M | $32.4M | $31.7M |
| Interest expense | $11.3M | $11.4M | $11.8M | $11.6M | $10.9M | $11.0M | $11.3M | $11.4M | $10.5M | $9.6M | $8.5M | $7.2M |
| Income before taxes | $10.9M | $8.3M | $8.1M | $8.8M | $9.6M | $6.5M | $7.2M | $6.7M | $6.2M | $4.0M | $6.2M | $7.1M |
| Income taxes | $2.2M | $1.6M | $1.4M | $1.7M | $1.9M | $1.1M | $1.2M | $1.2M | $1.2M | $565,000 | $1.1M | $1.3M |
| Net income | $8.6M | $6.7M | $6.7M | $7.1M | $7.7M | $5.4M | $6.0M | $5.4M | $5.0M | $3.4M | $5.1M | $5.8M |
| EBITDA | $11.8M | $9.1M | $9.1M | $9.8M | $10.6M | $7.5M | $8.2M | $7.6M | $7.2M | $4.9M | $7.2M | $8.1M |
| EPS (diluted) | $2.40 | $2.08 | $2.07 | $2.19 | $2.37 | $1.66 | $1.87 | $1.65 | $1.50 | $1.01 | $1.50 | $1.71 |
| Gross margin | 70.3% | 68.5% | 67.8% | 68.9% | 72.2% | 67.2% | 65.0% | 65.5% | 68.4% | 66.9% | 72.9% | 74.8% |
| Operating margin | 21.7% | 17.5% | 17.0% | 18.9% | 20.6% | 15.3% | 17.0% | 15.2% | 15.1% | 10.2% | 15.3% | 19.3% |
| Net margin | 17.1% | 14.1% | 14.1% | 15.2% | 16.4% | 12.6% | 14.2% | 12.3% | 12.1% | 8.6% | 12.5% | 15.7% |
Quarterly columns are labeled by the month the quarter ended. Figures in U.S. dollars as reported in CFFI's financial statements (latest annual report filed March 3, 2026); data from EODHD. Sales, general & administrative expenses include sales and marketing.
CFFI financial results
In fiscal year 2025 (ended December 31, 2025), C&F Financial reported revenue of $186.1 million, up 11.8% from the year before. It had net income of $26.8 million (up 35.3%), a net profit margin of 14.4%. Diluted earnings per share came to $8.29. Over five years revenue grew at an average rate of 4.7% a year.
See the CFFI stock overview for the latest quote and news, or the CFFI chart for price history and technical indicators.
CFFI income statement FAQ
What is C&F Financial's annual revenue?
C&F Financial reported total revenue of $186.1 million for fiscal year 2025, which ended on December 31, 2025. That was up 11.8% from $166.5 million the previous year.
Is C&F Financial profitable?
Yes. C&F Financial reported net income of $26.8 million in fiscal 2025, a net profit margin of 14.4%; its operating margin was 17.8%.
What is C&F Financial's gross margin?
C&F Financial's gross margin was 69.5% in fiscal 2025: for every $100 of revenue, C&F Financial kept $69 after the direct cost of its products and services.
How fast is C&F Financial growing?
Revenue grew 4.7% a year on average over the last five fiscal years, from $148.2 million to $186.1 million.
What are C&F Financial's earnings per share?
C&F Financial earned $8.29 per diluted share in fiscal 2025, compared with $6.03 a year earlier.
When will C&F Financial report its next earnings?
C&F Financial is expected to report results for the quarter ending September 30, 2026 on October 22, 2026 after the market closes.
When does C&F Financial's fiscal year end?
C&F Financial's fiscal year ends in December. The latest annual report covers the year ended December 31, 2025 and was filed on March 3, 2026.