InsiderClue
Stocks · Financials · State Commercial Banks

C & F FINANCIAL CORP

CFFI Clue Score46
United States Fiscal year ends December CIK 0000913341
$101.39 -0.12% Close, 9 Oct 2026
Alert on the numbers Alert on insider trades
Price $101.39 +92.87% Close, 9 Oct 2026

Closing prices at the end of each trading day, from 12 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Revenue115.5Net income13.5EPS, diluted3.89Fiscal year 2017Revenue116.8 +1.2%Net income6.6 −51.2%EPS, diluted1.88 −51.7%Fiscal year 2018Revenue118.9 +1.8%Net income18.0 +174.2%EPS, diluted5.15 +173.9%Fiscal year 2019Revenue111.9 −5.9%Net income18.9 +4.7%EPS, diluted5.47 +6.2%Fiscal year 2020Revenue138.1 +23.5%Net income22.1 +17.3%EPS, diluted6.06 +10.8%Fiscal year 2021Revenue135.2 −2.1%Net income28.7 +29.6%EPS, diluted7.95 +31.2%Fiscal year 2022Revenue122.7 −9.3%Net income29.2 +1.7%EPS, diluted8.29 +4.3%Fiscal year 2023Revenue127.3 +3.8%Net income23.6 −19.1%EPS, diluted6.92 −16.5%Fiscal year 2024Revenue127.3 −0.0%Net income19.8 −16.0%EPS, diluted6.01 −13.2%Fiscal year 2025Revenue140.8 +10.6%Net income26.8 +35.3%EPS, diluted8.29 +37.9%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 115.5 116.8 118.9 111.9 138.1 135.2 122.7 127.3 127.3 140.8
Growth +1.2% +1.8% −5.9% +23.5% −2.1% −9.3% +3.8% −0.0% +10.6%
Net income 13.5 6.6 18.0 18.9 22.1 28.7 29.2 23.6 19.8 26.8
Growth −51.2% +174.2% +4.7% +17.3% +29.6% +1.7% −19.1% −16.0% +35.3%
EPS, diluted 3.89 1.88 5.15 5.47 6.06 7.95 8.29 6.92 6.01 8.29
Growth −51.7% +173.9% +6.2% +10.8% +31.2% +4.3% −16.5% −13.2% +37.9%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Net margin11.7%Free cash flow margin21.0%Fiscal year 2017Net margin5.6%Free cash flow margin18.5%Fiscal year 2018Net margin15.2%Free cash flow margin37.2%Fiscal year 2019Net margin16.9%Free cash flow margin−15.5%Fiscal year 2020Net margin16.0%Free cash flow margin−65.6%Fiscal year 2021Net margin21.2%Free cash flow margin112.9%Fiscal year 2022Net margin23.8%Free cash flow margin71.1%Fiscal year 2023Net margin18.5%Free cash flow margin29.3%Fiscal year 2024Net margin15.6%Free cash flow margin26.1%Fiscal year 2025Net margin19.1%Free cash flow margin15.7%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin 11.7% 5.6% 15.2% 16.9% 16.0% 21.2% 23.8% 18.5% 15.6% 19.1%
Free cash flow margin 21.0% 18.5% 37.2% −15.5% −65.6% 112.9% 71.1% 29.3% 26.1% 15.7%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow27.0Capital expenditure−2.7Free cash flow24.3Buybacks−0.4Dividends paid−4.5Fiscal year 2017Operating cash flow25.8Capital expenditure−4.2Free cash flow21.6 −11.0%Buybacks−0.6Dividends paid−4.6Fiscal year 2018Operating cash flow47.6Capital expenditure−3.4Free cash flow44.2 +104.6%Buybacks−1.5Dividends paid−4.9Fiscal year 2019Operating cash flow−14.6Capital expenditure−2.7Free cash flow−17.3 −139.2%Buybacks−4.9Dividends paid−5.1Fiscal year 2020Operating cash flow−80.4Capital expenditure−10.2Free cash flow−90.6Buybacks−1.1Dividends paid−5.5Fiscal year 2021Operating cash flow157.4Capital expenditure−4.8Free cash flow152.6Buybacks−8.2Dividends paid−5.7Fiscal year 2022Operating cash flow90.6Capital expenditure−3.4Free cash flow87.2 −42.9%Buybacks−5.4Dividends paid−5.8Fiscal year 2023Operating cash flow38.8Capital expenditure−1.5Free cash flow37.4 −57.1%Buybacks−7.8Dividends paid−6.0Fiscal year 2024Operating cash flow36.8Capital expenditure−3.5Free cash flow33.3 −10.9%Buybacks−8.8Dividends paid−5.8Fiscal year 2025Operating cash flow24.5Capital expenditure−2.3Free cash flow22.2 −33.4%Buybacks−0.9Dividends paid−6.0
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 27.0 25.8 47.6 −14.6 −80.4 157.4 90.6 38.8 36.8 24.5
Capital expenditure −2.7 −4.2 −3.4 −2.7 −10.2 −4.8 −3.4 −1.5 −3.5 −2.3
Free cash flow 24.3 21.6 44.2 −17.3 −90.6 152.6 87.2 37.4 33.3 22.2
Growth −11.0% +104.6% −139.2% −42.9% −57.1% −10.9% −33.4%
Buybacks −0.4 −0.6 −1.5 −4.9 −1.1 −8.2 −5.4 −7.8 −8.8 −0.9
Dividends paid −4.5 −4.6 −4.9 −5.1 −5.5 −5.7 −5.8 −6.0 −5.8 −6.0

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Shareholders’ equity139.2Fiscal year 2017Shareholders’ equity141.7Fiscal year 2018Cash115.0Shareholders’ equity152.0Fiscal year 2019Cash165.4Shareholders’ equity164.8Fiscal year 2020Cash86.7Shareholders’ equity193.8Fiscal year 2021Cash267.7Shareholders’ equity210.3Fiscal year 2022Cash26.7Shareholders’ equity195.6Fiscal year 2023Cash75.2Shareholders’ equity216.9Fiscal year 2024Cash65.6Shareholders’ equity226.4Fiscal year 2025Cash79.1Shareholders’ equity261.8
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash n/a n/a 115.0 165.4 86.7 267.7 26.7 75.2 65.6 79.1
Shareholders’ equity 139.2 141.7 152.0 164.8 193.8 210.3 195.6 216.9 226.4 261.8

In millions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
15.5% 15.4% 19.0% 21.4% 21.2% 28.2% 30.1% 22.9% 19.0% 23.5%
11.7% 5.6% 15.2% 16.9% 16.0% 21.2% 23.8% 18.5% 15.6% 19.1%
21.0% 18.5% 37.2% −15.5% −65.6% 112.9% 71.1% 29.3% 26.1% 15.7%
Spending
2.3% 3.6% 2.8% 2.4% 7.4% 3.5% 2.8% 1.1% 2.7% 1.7%
24.9% 63.4% 20.1% 21.2% 23.3% 23.5% 20.5% 18.6% 17.5% 18.4%
Returns
9.7% 4.6% 11.9% 11.4% 11.4% 13.6% 14.9% 10.9% 8.8% 10.3%
0.9% 0.4% 1.2% 1.1% 1.1% 1.3% 1.3% 1.0% 0.8% 1.0%
Balance and payout
90.4% 90.6% 90.0% 90.0% 90.7% 90.7% 91.6% 91.1% 91.1% 90.5%
33.2% 70.6% 27.4% 27.2% 25.1% 19.8% 19.7% 25.4% 29.1% 22.2%
20.1% 24.1% 14.6% n/a n/a 9.1% 12.8% 36.8% 43.7% 31.1%