C&F Financial Corporation
CFFI · NASDAQ
12/31/2024 | 12/31/2023 | 12/31/2022 | 12/31/2021 | |
|---|---|---|---|---|
| Revenue | $166,511 | $149,758 | $123,450 | $139,975 |
| % Growth | 11.2% | 21.3% | -11.8% | – |
| Cost of Goods Sold | $56,069 | $34,705 | $11,062 | $8,934 |
| Gross Profit | $110,442 | $115,053 | $112,388 | $131,041 |
| % Margin | 66.3% | 76.8% | 91% | 93.6% |
| R&D Expenses | $0 | $0 | $0 | $0 |
| G&A Expenses | $55,410 | $56,535 | $48,916 | $59,642 |
| SG&A Expenses | $56,623 | $58,083 | $50,721 | $61,165 |
| Sales & Mktg Exp. | $1,213 | $1,548 | $1,805 | $1,523 |
| Other Operating Expenses | $29,686 | $27,806 | $24,703 | $31,794 |
| Operating Expenses | $86,309 | $85,889 | $75,424 | $92,959 |
| Operating Income | $24,133 | $29,164 | $36,964 | $38,082 |
| % Margin | 14.5% | 19.5% | 29.9% | 27.2% |
| Other Income/Exp. Net | $0 | $0 | $0 | $0 |
| Pre-Tax Income | $24,133 | $29,164 | $36,964 | $38,082 |
| Tax Expense | $4,215 | $5,418 | $7,595 | $8,959 |
| Net Income | $19,834 | $23,604 | $29,159 | $28,667 |
| % Margin | 11.9% | 15.8% | 23.6% | 20.5% |
| EPS | 6.01 | 6.92 | 8.29 | 7.95 |
| % Growth | -13.2% | -16.5% | 4.3% | – |
| EPS Diluted | 6.01 | 6.92 | 8.29 | 7.95 |
| Weighted Avg Shares Out | 3,300 | 3,412 | 3,517 | 3,604 |
| Weighted Avg Shares Out Dil | 3,300 | 3,412 | 3,517 | 3,604 |
| Supplemental Information | – | – | – | – |
| Interest Income | $139,594 | $124,137 | $101,354 | $93,728 |
| Interest Expense | $42,819 | $26,430 | $7,890 | $8,359 |
| Depreciation & Amortization | $3,857 | $3,879 | $4,356 | $4,741 |
| EBITDA | $27,990 | $33,043 | $41,320 | $42,823 |
| % Margin | 16.8% | 22.1% | 33.5% | 30.6% |