Q3 FY2026 · ended Sep 30, 2026 · Revenue $38.21M, +6.1% YoY · Filed Nov 5, 2026
C & F Financial Corporation (CFFI) files with the SEC under industry code 6022, State Commercial Banks. In Q3 of fiscal 2026, the quarter ended Sep 30, 2026, it reported revenue of $38.2 million and net income of $8.3 million. Free cash flow was $26.3 million.
Revenue
$38.21M
+6.1% vs year-ago quarter
Net income
$8.28M
+17.0% vs year-ago quarter
Operating cash flow
$29.26M
+24.9% vs year-ago quarter
Free cash flow
$26.31M
+15.9% vs year-ago quarter
EPS
$2.55
+17.0% vs year-ago quarter
Dividend per share
$0.48
+4.3% vs year-ago quarter
Shares outstanding
3.25M
+0.4% vs year-ago quarter
Net cash
$57.43M
Q1 FY2026
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; switch to Annual for the full-year view. Balance sheet lines are as of each year end.
| Line | Q3 FY2026 Sep 30, 2026 |
Q2 FY2026 Jun 30, 2026 |
Q1 FY2026 Mar 31, 2026 |
Q4 FY2025 Dec 31, 2025 |
Q3 FY2025 Sep 30, 2025 |
|---|---|---|---|---|---|
| Revenue | $38.2M | $40.9M | $36.3M | $35.9M | $36.0M |
| Net income | $8.3M | $8.6M | $6.7M | $6.7M | $7.1M |
| Diluted EPS | $2.55 | $2.63 | $2.08 | $2.07 | $2.18 |
| Operating cash flow | $29.3M | $24.7M | -$7.6M | $2.2M | $23.4M |
| Free cash flow | $26.3M | $22.3M | -$7.9M | $1.5M | $22.7M |
| Total assets | $2.8B | $2.8B | $2.8B | $2.8B | $2.7B |
| Total liabilities | $2.5B | $2.5B | $2.5B | $2.5B | $2.5B |
| Stockholders' equity | $268.8M | $277.8M | $265.5M | $261.8M | $253.3M |
| Cash and investments | $46.0M | $62.1M | $77.4M | $79.1M | $96.1M |
| Total debt | — | — | $20.0M | $30.3M | $20.0M |
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.