C&F Financial Corporation
CFFI · NASDAQ
9/30/2025 | 6/30/2025 | 3/31/2025 | 12/31/2024 | |
|---|---|---|---|---|
| Revenue | $46,599 | $46,833 | $42,671 | $42,464 |
| % Growth | -0.5% | 9.8% | 0.5% | – |
| Cost of Goods Sold | $14,509 | $12,999 | $13,978 | $14,843 |
| Gross Profit | $32,090 | $33,834 | $28,693 | $27,621 |
| % Margin | 68.9% | 72.2% | 67.2% | 65% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $14,669 | $15,124 | $13,811 | $12,964 |
| SG&A Expenses | $15,329 | $15,673 | $14,340 | $13,233 |
| Sales & Mktg Exp. | $660 | $549 | $529 | $269 |
| Other Operating Expenses | $7,933 | $8,535 | $7,829 | $7,154 |
| Operating Expenses | $23,262 | $24,208 | $22,169 | $20,387 |
| Operating Income | $8,828 | $9,626 | $6,524 | $7,234 |
| % Margin | 18.9% | 20.6% | 15.3% | 17% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $8,828 | $9,626 | $6,524 | $7,234 |
| Tax Expense | $1,715 | $1,859 | $1,129 | $1,205 |
| Net Income | $7,075 | $7,691 | $5,368 | $6,037 |
| % Margin | 15.2% | 16.4% | 12.6% | 14.2% |
| EPS | 2.19 | 2.37 | 1.66 | 1.87 |
| % Growth | -7.6% | 42.8% | -11.2% | – |
| EPS Diluted | 2.19 | 2.37 | 1.66 | 1.87 |
| Weighted Avg Shares Out | 3,238 | 3,239 | 3,235 | 3,227 |
| Weighted Avg Shares Out Dil | 3,238 | 3,239 | 3,235 | 3,227 |
| Supplemental Information | – | – | – | – |
| Interest Income | $38,783 | $37,407 | $35,988 | $36,443 |
| Interest Expense | $11,609 | $10,899 | $10,978 | $11,343 |
| Depreciation & Amortization | $968 | $996 | $988 | $1,016 |
| EBITDA | $9,796 | $10,622 | $7,512 | $8,250 |
| % Margin | 21% | 22.7% | 17.6% | 19.4% |