C&F Financial financials
$99.15+4.71%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Quarter | Q2 '26 Jun 30 | Q1 '26 Mar 31 | Q4 '25 Dec 31 | Q3 '25 Sep 30 | Q2 '25 Jun 30 | Q1 '25 Mar 31 | Q4 '24 Dec 31 | Q3 '24 Sep 30 | Q2 '24 Jun 30 | Q1 '24 Mar 31 | Q4 '23 Dec 31 | Q3 '23 Sep 30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $52.1M | $47.7M | $47.7M | $47.6M | $47.3M | $43.6M | $43.4M | $44.9M | $41.6M | $40.2M | $40.2M | $37.9M |
| Gross profit | $40.9M | $36.3M | $35.9M | $36.0M | $36.4M | $32.6M | $32.0M | $33.5M | $31.2M | $30.6M | $31.7M | $30.7M |
| Gross margin | 78.4% | 76.0% | 75.2% | 75.6% | 76.9% | 74.8% | 73.9% | 74.5% | 74.8% | 76.2% | 78.9% | 80.9% |
| 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 |
| 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 |
| Net margin | 16.4% | 14.1% | 14.1% | 14.9% | 16.3% | 12.3% | 13.9% | 12.0% | 12.0% | 8.5% | 12.6% | 15.3% |
| Diluted EPS | $2.63 | $2.08 | $2.07 | $2.18 | $2.37 | $1.66 | $1.87 | $1.65 | $1.50 | $1.01 | $1.51 | $1.71 |
| EBITDA | $10.9M | $8.3M | $8.1M | $8.8M | $9.6M | $6.5M | $7.2M | $6.7M | $6.2M | $4.0M | $6.2M | $7.1M |
| Operating cash flow | $24.7M | -$7.6M | $2.2M | $23.4M | -$4.4M | $3.2M | $33.8M | $404.0K | $1.7M | $895.0K | $17.0M | $22.6M |
| Free cash flow | $22.3M | -$7.9M | $1.5M | $22.7M | -$5.0M | $2.9M | $33.3M | -$1.6M | $1.2M | $410.0K | $16.5M | $22.2M |
| Diluted shares | 3.3M | 3.2M | 3.2M | 3.2M | 3.2M | 3.2M | 3.2M | 3.3M | 3.3M | 3.4M | 3.4M | 3.4M |
Balance sheet
| Period end | Jun 30 | Mar 31 | Dec 31 | Sep 30 | Jun 30 | Mar 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $19.4M | $15.3M | $13.6M | $15.2M | $17.9M | $13.5M |
| Short-term investments | $505.1M | $536.1M | $527.3M | $523.6M | $501.0M | $497.7M |
| Total debt | $52.7M | $103.3M | $47.8M | $113.4M | $146.1M | $119.5M |
| Total assets | $2.81B | $2.81B | $2.77B | $2.71B | $2.69B | $2.61B |
| Total liabilities | $2.53B | $2.55B | $2.51B | $2.46B | $2.45B | $2.38B |
| Shareholders' equity | $278.4M | $266.1M | $262.3M | $253.9M | $240.9M | $235.3M |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology