C&F Financial Corporation (CFFI)

Nasdaq: CFFI · State Commercial Banks · Toano, VA · filing with the SEC since 1996

Grade5.8

◀ Past 6.9● Present 5.2▶ Future 5.0

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Mar 3, 2026	Feb 27, 2025	Feb 27, 2024	Feb 28, 2023	Mar 1, 2022	Mar 3, 2021	Mar 3, 2020	Feb 26, 2019	Mar 8, 2018	Mar 7, 2017
Revenue	140,841	127,313	127,322	122,676^r	135,200^r	138,138^r	111,897^r	118,916^r	116,825^r	115,486^r
For lenders
Interest and dividend income	151,499	139,594	124,137	101,354	93,728	96,913	95,010	92,548	89,593	89,439
Interest expense on deposits and borrowings	45,289	42,819	26,430	7,890	·	·	·	·	·	·
Net interest income	106,210	96,775	97,707	93,464	85,369	83,531	80,454	81,521	79,992	80,471
Provision for credit losses	11,550	13,250	8,275	3,172	575	11,080	8,515	11,006	16,435	18,040
Net interest income after provision	94,660	83,525	89,432	90,292	84,794	72,451	71,939	70,515	63,557	62,431
Noninterest income	34,631	30,538	29,615	29,212^r	49,831^r	54,607^r	31,443^r	26,368^r	27,232^r	26,047^r
Noninterest expense	96,220	89,930	89,883	82,540^r	96,543^r	97,839^r	79,450^r	74,342^r	72,823^r	70,560^r
Total costs and expenses	·	·	·	·	·	123,112	103,090	96,375^r	98,859^r	97,568^r
Interest expense	·	·	26,430	7,890	8,359	13,382	14,556	11,027	9,601	8,968
Income before income taxes	33,071	24,133	29,164	36,964	38,082	29,219	23,932	22,541	17,966	17,918
Income tax expense	6,080	4,215	5,418	7,595	8,959	6,795	5,082	4,521	11,394	4,459
Net income including non-controlling interests	26,991	19,918	23,746	29,369	29,123	22,424	18,850	18,020	6,572	·
Net income to non-controlling interests	156	84	142	210	456	307	-9	·	·	·
Net income	26,835	19,834	23,604	29,159	28,667	22,117	18,859	18,020	6,572	13,459
Net income to common shareholders	·	·	·	·	·	·	·	18,020	6,572	13,459
Earnings per share, basic	8.29	6.01	6.92	8.29	7.95	6.06	5.47	5.15	1.89	3.90
Earnings per share, diluted	8.29	6.01	6.92	8.29	7.95	6.06	5.47	5.15	1.88	3.89
Earnings per share, basic and diluted	·	·	·	·	·	6.06	5.47	5.15	·	·
Weighted average shares, basic	3,237,541	3,299,574	3,411,995	3,517,114	3,604,119	3,648,696	3,450,745	3,501,221	3,486,510	3,454,282
Weighted average shares, diluted	3,237,541	3,299,574	3,411,995	3,517,114	3,604,119	3,648,696	3,450,745	3,501,221	3,486,589	3,455,883
Weighted average shares, basic and diluted	·	·	·	·	·	3,648,696	3,450,745	3,501,221	·	·

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Revenue what customers paid for what it soldus-gaap:Revenues

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanLossesExpensed
us-gaap:ProvisionForLoanLeaseAndOtherLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Total costs and expenses every operating cost, the cost of revenue includedus-gaap:OperatingCostsAndExpenses

Interest expense what its borrowing costus-gaap:InterestExpense

Income before income taxes profit before taxus-gaap:IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income to non-controlling interests the share that belongs to minority holdersus-gaap:NetIncomeLossAttributableToNoncontrollingInterest

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Earnings per share, basic and diluted net income per share, where both counts are the sameus-gaap:EarningsPerShareBasicAndDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

Weighted average shares, basic and diluted the average count, where both counts are the sameus-gaap:WeightedAverageNumberOfShareOutstandingBasicAndDiluted

SI Assistanton CFFI · research, not advice