C & F FINANCIAL CORPORATION financials

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CFFI CIK 0000913341

Source: EDGAR filings · Built 2026-06-02T02:37:47Z

Key metrics by reporting period

Up to six most-recent periods side-by-side. Rows are the curated key lines — revenue, margins, cash, debt, equity, cash-flow totals, plus the derived and valuation metrics we compute on top. For every tag a filer reported in one period, use the single-filing drilldown below.

Derived Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Free Cash Flow 21.83M 33.05M 37.13M 86.72M 152.41M -90.66M
Net Debt 11.19M 33.84M -8.14M 49.14M -192.97M -27.02M
Net Margin 19.05% 15.58% 18.54% 23.77% 21.20% 16.01%
Return on Equity (ROE) 10.25% 8.76% 10.88% 14.90% 13.63% 11.41%
Return on Assets (ROA) 0.97% 0.77% 0.97% 1.25% 1.27% 1.06%
Debt-to-Equity 0.35× 0.44× 0.31× 0.39× 0.36× 0.31×
Effective Tax Rate 18.38% 17.47% 18.58% 20.55% 23.53% 23.26%
Cash Conversion Ratio 0.91× 1.85× 1.64× 3.11× 5.49× -3.63×
Accruals Ratio 0.00× -0.01× -0.01× -0.03× -0.06× 0.05×
SBC % of Revenue 1.31% 1.51% 1.57% 1.61% 1.26% 1.05%
CapEx Coverage 9.22× 9.89× 23.12× 23.62× 31.60× -7.82×
Free Cash Flow Per Share $6.74 $10.02 $10.88 $24.66 $42.29 $-24.85

Valuation Metrics

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
P/E Trailing (Diluted) 8.76× 11.86× 9.85× 7.03× 6.44× 6.12×
P/FCF 10.76× 7.11× 6.27× 2.36× 1.21× —
FCF Yield 9.29% 14.06% 15.96% 42.32% 82.61% —
P/S 1.67× 1.81× 1.81× 1.65× 1.34× 0.99×
P/B 0.90× 1.02× 1.06× 1.04× 0.86× 0.70×

Income Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Revenues 140.84M 127.31M 127.32M 122.68M 135.20M 138.14M
Income Tax Expense (Benefit) 6.08M 4.21M 5.42M 7.59M 8.96M 6.79M
Net Income (Loss) Attributable to Parent 26.84M 19.83M 23.60M 29.16M 28.67M 22.12M
Earnings Per Share, Basic $8.29 $6.01 $6.92 $8.29 $7.95 $6.06
Weighted Average Number of Shares Outstanding, Basic 3.24M 3.30M 3.41M 3.52M 3.60M 3.65M
Earnings Per Share, Diluted $8.29 $6.01 $6.92 $8.29 $7.95 $6.06
Weighted Average Number of Shares Outstanding, Diluted 3.24M 3.30M 3.41M 3.52M 3.60M 3.65M

Balance Sheet

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Assets 2.77B 2.56B 2.44B 2.33B 2.26B 2.09B
Liabilities 2.51B 2.34B 2.22B 2.14B 2.05B 1.89B
Stockholders' Equity Attributable to Parent 261.75M 226.36M 216.88M 195.63M 210.32M 193.81M
Common Stock, Shares, Outstanding 3.25M 3.23M 3.37M 3.48M 3.55M 3.67M

Cash Flow Statement

Concept FY 2025FY 2024FY 2023FY 2022FY 2021FY 2020
Net Cash Provided by (Used in) Operating Activities 24.49M 36.77M 38.81M 90.56M 157.39M -80.37M
Payments to Acquire Property, Plant, and Equipment 2.33M 3.49M 1.46M 3.39M 4.79M 10.23M
Net Cash Provided by (Used in) Investing Activities -169.35M -146.92M -56.34M -411.28M -138.69M -183.29M
Payments for Repurchase of Common Stock 943.00K 8.76M 7.76M 5.37M 8.23M 1.06M
Payments of Dividends 5.95M 5.78M 5.99M 5.76M 5.67M 5.55M
Net Cash Provided by (Used in) Financing Activities 158.41M 100.58M 66.03M 79.64M 162.38M 184.90M

Raw XBRL tagging for a single filing

Every us-gaap and custom concept the filer tagged for one fiscal period, grouped by statement. Start here when a number in the trend table above surprises you and you want to see the exact tag behind it. Derived and valuation rows are omitted here because they already appear in the trend table.

Most recent filing shown by default.

Compare filings side-by-side

Diff any two filings with deltas and added / removed tags.

Immaterial rows are USD line items under 1% of the period's revenue — the noise floor below which a single tag rarely moves the investment thesis. Revenue is read from the filer's top-line concept (Revenues / RevenueFromContractWithCustomerExcludingAssessedTax, with a fallback chain). Non-USD rows, rows without a numeric value, and every row on a filing with no identifiable revenue anchor stay visible. Flip the switch off to see every tag the filer reported for the period.

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Methodology

All facts on this page come straight from SEC EDGAR XBRL company-facts filings (CFFI CIK 0000913341), grouped by financial statement using FASB's base us-gaap presentation taxonomy. Filers may re-parent concepts onto different statements in their own extension taxonomy, so a handful of rows can show up under a different statement than on the actual 10-K / 10-Q; custom concepts and any we couldn't map fall into Other. Hover a cell to see the fully-qualified concept name and the filer's description.

For the full methodology — statement grouping, the Other bucket, derived metrics, and fact tooltips — see the methodology reference for the statement grouping, the "Other" bucket, derived metrics, and fact tooltips.

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