FY2025 · ended Dec 31, 2025 · Revenue $140.84M, +10.6% YoY · Filed Mar 3, 2026
C & F Financial Corporation (CFFI) files with the SEC under industry code 6022, State Commercial Banks. In fiscal 2025, which ended Dec 31, 2025, it reported revenue of $140.8 million and net income of $26.8 million. Free cash flow was $22.2 million.
Revenue (TTM)
$151.22M
+10.4% vs year-ago TTM
Net income (TTM)
$30.29M
+15.7% vs year-ago TTM
Operating cash flow (TTM)
$48.62M
-13.2% vs year-ago TTM
Free cash flow (TTM)
$42.18M
-21.9% vs year-ago TTM
EPS (TTM)
$9.33
+15.3% vs year-ago TTM
Dividend per share (TTM)
$1.90
+4.4% vs year-ago TTM
Shares outstanding
3.26M
+0.5% vs prior year
Net cash
$48.81M
FY 2025
Operating margin
—
Company profile
- Industry
- State Commercial Banks (SIC 6022)
- Listed as
- CFFI (Nasdaq)
- Fiscal year ends
- December 31
- Incorporated in
- VA
- Headquarters
- Toano, VA
- SEC filer status
- Accelerated filer, Smaller reporting company
- SEC CIK
- 913341
Other State Commercial Banks companies
Key figures
Fiscal-year totals from the annual reports. Balance sheet lines are as of each year end.
| Line | FY 2025 Dec 31, 2025 |
FY 2024 Dec 31, 2024 |
FY 2023 Dec 31, 2023 |
FY 2022 Dec 31, 2022 |
FY 2021 Dec 31, 2021 |
|---|---|---|---|---|---|
| Revenue | $140.8M | $127.3M | $127.3M | $122.7M | $135.2M |
| Net income | $26.8M | $19.8M | $23.6M | $29.2M | $28.7M |
| Diluted EPS | $8.29 | $6.01 | $6.92 | $8.29 | $7.95 |
| Operating cash flow | $24.5M | $36.8M | $38.8M | $90.6M | $157.4M |
| Free cash flow | $22.2M | $33.3M | $37.4M | $87.2M | $152.6M |
| Total assets | $2.8B | $2.6B | $2.4B | $2.3B | $2.3B |
| Total liabilities | $2.5B | $2.3B | $2.2B | $2.1B | $2.1B |
| Stockholders' equity | $261.8M | $226.4M | $216.9M | $195.6M | $210.3M |
| Cash and investments | $79.1M | $65.6M | $75.2M | $539.3M | $640.8M |
| Total debt | $30.3M | $39.4M | $67.0M | $45.7M | $44.4M |
Recent SEC filings
| Form | Description | Filed | Period |
|---|---|---|---|
| 10-Q | Quarterly report | Nov 5, 2026 | Sep 30, 2026 |
| 8-K |
Current report
Regulation FD disclosure
|
Nov 5, 2026 | Nov 5, 2026 |
| 8-K |
Current report
Results of operations
|
Oct 26, 2026 | Oct 26, 2026 |
| 8-K |
Current report
Regulation FD disclosure
|
Aug 19, 2026 | Aug 19, 2026 |
| 10-Q | Quarterly report | Aug 10, 2026 | Jun 30, 2026 |
| 8-K |
Current report
Regulation FD disclosure
|
Jul 23, 2026 | Jul 23, 2026 |
All 1000 C & F Financial Corporation SEC filings
Source: SEC EDGAR filings. This is company-reported data, not investment advice.