C&F Financial financials
$99.15+4.71%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $186.1M | $170.1M | $153.8M | $130.6M | $143.6M | $151.5M | $126.5M | $118.9M | $116.8M | $115.5M |
| Gross profit | $140.8M | $127.3M | $127.3M | $122.7M | $135.2M | $138.1M | $111.9M | $107.9M | $107.2M | $106.5M |
| Gross margin | 75.7% | 74.8% | 82.8% | 94.0% | 94.2% | 91.2% | 88.5% | 90.7% | 91.8% | 92.2% |
| Operating income | $33.1M | $24.1M | $29.2M | $37.0M | $38.1M | $29.2M | $23.9M | $22.5M | $18.0M | $17.9M |
| Net income | $26.8M | $19.8M | $23.6M | $29.2M | $28.7M | $22.1M | $18.9M | $18.0M | $6.6M | $13.5M |
| Net margin | 14.4% | 11.7% | 15.4% | 22.3% | 20.0% | 14.6% | 14.9% | 15.2% | 5.6% | 11.7% |
| Diluted EPS | $8.29 | $6.01 | $6.92 | $8.29 | $7.95 | $6.06 | $5.47 | $5.15 | $1.88 | $3.89 |
| EBITDA | $33.1M | $24.1M | $29.2M | $37.0M | $38.1M | $31.4M | $23.9M | $22.5M | $18.0M | $17.9M |
| Operating cash flow | $24.5M | $36.8M | $38.8M | $90.6M | $157.4M | -$80.4M | -$14.6M | $47.6M | $25.8M | $27.0M |
| Free cash flow | $22.2M | $33.3M | $37.4M | $87.2M | $152.6M | -$90.3M | -$17.3M | $44.2M | $21.6M | $25.3M |
| Diluted shares | 3.2M | 3.3M | 3.4M | 3.5M | 3.6M | 3.6M | 3.5M | 3.5M | 3.5M | 3.5M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $13.6M | $16.2M | $16.4M | $19.6M | $19.7M | $17.7M |
| Short-term investments | $527.3M | $471.6M | $524.1M | $520.8M | $622.2M | $357.0M |
| Total debt | $47.8M | $122.6M | $109.5M | $92.1M | $90.5M | $76.2M |
| Total assets | $2.77B | $2.56B | $2.44B | $2.33B | $2.26B | $2.09B |
| Total liabilities | $2.51B | $2.34B | $2.22B | $2.14B | $2.05B | $1.89B |
| Shareholders' equity | $262.3M | $227.0M | $217.5M | $196.2M | $211.0M | $194.5M |
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