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C & F Financial vs U.S. BancorpC & F Financial vs PNC FinancialC & F Financial vs First UnitedC & F Financial vs Hawthorn BancsharesHC & F Financial vs Provident BancorpC & F Financial vs S&P 500 | Market

TL;DR: Financial Overview - Revenue, Profits & Key Metrics

Latest Quarterly: Dec 2025

Income Metrics

Revenue 34.8M
Net Income 6.7M 19.30%
EPS (Diluted) $2.07

Balance Sheet Metrics

Total Assets 2.8B
Total Liabilities 2.5B
Shareholders Equity 262.3M
Debt to Equity 9.55

Cash Flow Metrics

Operating Cash Flow 325.0K
Free Cash Flow 1.5M

Revenue & Profitability Trend

Quarter Income Flow i

Annual Income Flow i

C & F Financial Income Statement From 2021 to 2025

Metric 2025 2024 2023 2022 2021
Revenue i 137.0M 123.7M 126.3M 121.0M 132.1M
Cost of Goods Sold i - - - - -
Gross Profit i - - - - -
Gross Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Operating Expenses
Research & Development i - - - - -
Selling, General & Administrative i 60.9M 56.6M 58.1M 50.7M 61.2M
Other Operating Expenses i - - - - -
Total Operating Expenses i 60.9M 56.6M 58.1M 50.7M 61.2M
Operating Income i - - - - -
Operating Margin % i 0.0% 0.0% 0.0% 0.0% 0.0%
Non-Operating Items
Interest Income i - - - - -
Interest Expense i - - - - -
Other Non-Operating Income - - - - -
Pre-tax Income i 33.1M 24.1M 29.2M 37.0M 38.1M
Income Tax i 6.1M 4.2M 5.4M 7.6M 9.0M
Effective Tax Rate % i 18.4% 17.5% 18.6% 20.5% 23.5%
Net Income i 27.0M 19.9M 23.7M 29.4M 29.1M
Net Margin % i 19.7% 16.1% 18.8% 24.3% 22.1%
Key Metrics
EBITDA i - - - - -
EPS (Basic) i - $6.01 $6.92 $8.29 $7.95
EPS (Diluted) i - $6.01 $6.92 $8.29 $7.95
Basic Shares Outstanding i - 3299574 3411995 3517114 3604119
Diluted Shares Outstanding i - 3299574 3411995 3517114 3604119

Income Statement Trend

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C & F Financial Balance Sheet From 2021 to 2025

Metric 2025 2024 2023 2022 2021
Assets
Current Assets
Cash & Equivalents i 79.1M 65.6M 75.2M 26.7M 267.7M
Short-term Investments i 327.2M 66.5M 462.4M 512.6M 373.1M
Accounts Receivable i 11.7M 10.6M 10.4M 9.0M 6.8M
Inventory i - - - - -
Other Current Assets - - - - -
Total Current Assets i - - - - -
Non-Current Assets
Property, Plant & Equipment i - - - - -
Goodwill i 51.3M 51.5M 51.8M 52.1M 52.4M
Intangible Assets i 909.0K 1.1M 1.4M 1.7M 2.0M
Long-term Investments - - - - -
Other Non-Current Assets - - - - -
Total Non-Current Assets i - - - - -
Total Assets i 2.8B 2.6B - - -
Liabilities
Current Liabilities
Accounts Payable i 3.7M 4.4M 3.5M 950.0K 715.0K
Short-term Debt i 20.0M 29.0M 58.2M 36.6M 34.7M
Current Portion of Long-term Debt - - - - -
Other Current Liabilities - - - - -
Total Current Liabilities i - - - - -
Non-Current Liabilities
Long-term Debt i 93.3M 93.6M 51.3M 55.5M 55.7M
Deferred Tax Liabilities i - - - - -
Other Non-Current Liabilities - - - - -
Total Non-Current Liabilities i - - - - -
Total Liabilities i 2.5B 2.3B - - -
Equity
Common Stock i 3.1M 3.1M 3.2M 3.3M 3.4M
Retained Earnings i 268.7M 247.8M 233.8M 217.2M 193.8M
Treasury Stock i - - - - -
Other Equity - - - - -
Total Shareholders Equity i 262.3M 227.0M 217.5M 196.2M 211.0M
Key Metrics
Total Debt i 113.3M 122.6M 109.5M 92.1M 90.5M
Working Capital i 0 0 0 0 0

Balance Sheet Composition

C & F Financial Cash Flow Statement From 2021 to 2025

Metric 2025 2024 2023 2022 2021
Operating Activities
Net Income i 27.0M 19.9M 23.7M 29.4M 29.1M
Depreciation & Amortization i 3.9M 3.9M 3.9M 4.4M 4.7M
Stock-Based Compensation i 1.8M 1.9M 2.0M 2.0M 1.7M
Working Capital Changes i 1.1M 7.0M -1.2M -9.4M -3.9M
Operating Cash Flow i 20.9M 29.8M 34.9M 93.5M 176.1M
Investing Activities
Capital Expenditures i -2.3M -3.5M -1.5M -3.4M -4.8M
Acquisitions i - - - 0 0
Investment Purchases i -87.7M -56.4M -39.3M -242.2M -209.2M
Investment Sales i 65.6M 100.6M 100.8M 55.3M 114.0M
Investing Cash Flow i -24.4M 40.8M 58.2M -185.0M -92.7M
Financing Activities
Share Repurchases i -943.0K -8.8M -7.8M -5.4M -8.2M
Dividends Paid i -6.0M -5.8M -6.0M -5.8M -5.7M
Debt Issuance i 40.0M 40.0M - 0 0
Debt Repayment i -20.0M 0 -4.0M 0 0
Financing Cash Flow i -16.5M -4.2M 3.8M -9.6M -338.0K
Free Cash Flow i 22.2M 35.0M 37.4M 87.2M 152.6M
Net Change in Cash i -19.9M 66.4M 96.9M -101.2M 83.1M

Cash Flow Trend

C & F Financial Key Financial Ratios

Valuation Ratios

P/E Ratio (TTM) 8.56
Price to Book 0.92
Price to Sales 1.88
PEG Ratio 0.80

Profitability Ratios

Profit Margin 20.76%
Operating Margin 25.03%
Return on Equity 11.03%
Return on Assets 1.01%

Financial Health

Debt to Equity 0.45
Beta 0.35

Per Share Data

EPS (TTM) $8.71
Book Value per Share $80.64
Revenue per Share $39.94

Peer Financial Comparison

Company Market Cap P/E Ratio P/B Ratio ROE Profit Margin Debt/Equity
CFFI 245.9M 8.56 0.92 11.03% 20.76% 0.45
U.S. Bancorp 88.1B 11.92 1.51 12.35% 29.29% 1.21
PNC Financial 70.3B 12.56 1.39 11.33% 28.75% 1.12
First United 246.8M 9.70 1.21 13.05% 28.77% 0.25
Hawthorn Bancshares 240.5M 9.72 1.32 14.70% 29.77% 0.89
Provident Bancorp 240.1M 18.24 0.99 5.37% 20.20% 0.06
Nippun Rana

Nippun Rana

Chasing the market trend!

Hi, I’m Nippun, a tech enthusiast from Haryana, India. I have been coding since 2010 and using my coding skills in the share market since 2020. I have been coding scripts in Pinescript that work on Tradingview app/web. I love learning about new technology and applying it to solve real-world problems. Coding and share-market are my passions, and I enjoy finding and fixing bugs in code. I aim to share my skill set and experience that can positively impact society. Feel free to connect with me, an...

Financial data is updated regularly. All figures are in the company's reporting currency.