C&F Financial Corporation (CFFI) Income Statement Analysis

See more : Pure Storage, Inc. (0KSA.L) Income Statement Analysis – Financial Results

Complete financial analysis of C&F Financial Corporation (CFFI) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of C&F Financial Corporation, a leading company in the Banks – Regional industry within the Financial Services sector.

You may be interested

C&F Financial Corporation (CFFI)

Industry: Banks - Regional

Sector: Financial Services

Website: https://www.cffc.com

About C&F Financial Corporation

C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. The company's Retail Banking offers various banking services, including checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. It also provides ATMs, Internet and mobile banking, and debit and credit cards, as well as safe deposit box rentals, notary public, electronic transfer, and other customary bank services. This segment offers its services through its main office in West Point, Virginia, as well as through 30 Virginia branches located 1 each in Albermarle, Goochland, Hanover, Middlesex, Powhatan, Stafford, York, Charlottesville, Hampton, Montross, Newport News, Richmond, Warsaw, and Williamsburg; 2 each in the counties of Cumberland, James City, King George, and New Kent; and four each in the counties of Chesterfield and Henrico. The company's Mortgage Banking segment provides various residential mortgage loans; originates conventional mortgage loans, mortgage loans insured by the Federal Housing Administration, and mortgage loans guaranteed by the United States Department of Agriculture and the Veterans Administration; and ancillary mortgage loan origination services for residential appraisals, as well as various mortgage origination functions to third parties. It provides mortgage loan origination services through 11 offices in Virginia, 1 office in Maryland, and 2 offices in North Carolina, as well as through 1 each in South Carolina and West Virginia. The company's Consumer Finance segment provides automobile loans through its offices in Richmond and Hampton, Virginia. It also offers brokerage and wealth management services; and insurance products. In addition, the company provides title and settlement agency, and insurance services. C&F Financial Corporation was founded in 1927 and is headquartered in West Point, Virginia.

Metric	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Revenue	119.05M	1.68M	134.53M	138.95M	112.47M	107.28M	106.73M	106.10M	99.07M	97.31M	93.81M	100.36M	88.96M	86.31M	86.20M	67.88M	67.33M	67.51M	64.36M	57.98M	59.16M	42.89M	33.67M	24.06M	25.90M	24.10M	18.50M	4.71M
Cost of Revenue	0.00	0.00	0.00	0.00	47.20M	42.00M	43.10M	41.93M	38.93M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	28.79M	28.00B	21.41B	0.00	0.00	0.00	0.00	0.00	0.00
Gross Profit	119.05M	1.68M	134.53M	138.95M	65.27M	65.28M	63.63M	64.17M	60.14M	97.31M	93.81M	100.36M	88.96M	86.31M	86.20M	67.88M	67.33M	67.51M	64.36M	29.19M	-27.95B	-21.36B	33.67M	24.06M	25.90M	24.10M	18.50M	4.71M
Gross Profit Ratio	100.00%	100.00%	100.00%	100.00%	58.03%	60.85%	59.61%	60.48%	60.71%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%	50.35%	-47,236.70%	-49,811.01%	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
General & Administrative	56.54M	47.87M	58.58M	57.67M	47.20M	42.00M	43.10M	41.93M	38.93M	36.07M	31.17M	40.69M	34.32M	34.89M	35.12M	27.72M	30.79M	29.01M	28.28M	25.23M	24.41M	18.04M	13.44M	9.60M	9.40M	8.30M	6.30M	5.97M
Selling & Marketing	1.55M	1.81M	1.52M	1.66M	1.78M	1.60M	1.52M	1.63M	1.41M	1.33M	964.00K	813.00K	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
SG&A	79.70M	47.87M	58.58M	57.67M	47.20M	42.00M	43.10M	41.93M	38.93M	36.07M	31.17M	40.69M	34.32M	34.89M	35.12M	27.72M	30.79M	29.01M	28.28M	25.23M	24.41M	18.04M	13.44M	9.60M	9.40M	8.30M	6.30M	5.97M
Other Expenses	0.00	-4.91M	-155.03M	-167.40M	-135.74M	-127.33M	98.37M	97.15M	90.38M	-108.01M	-95.24M	-106.91M	-92.68M	-96.91M	-98.39M	-69.42M	-62.91M	-60.50M	-63.67M	0.00	0.00	0.00	-23.82M	-14.69M	-17.00M	-14.30M	-10.30M	2.01M
Operating Expenses	79.70M	42.96M	-96.45M	-109.73M	-88.53M	-73.71M	98.37M	97.15M	90.38M	-71.94M	-64.07M	-66.22M	-58.36M	-62.02M	-63.27M	-41.69M	-32.12M	-31.50M	-35.39M	-12.64M	-18.65B	-12.24B	-10.38M	-5.09M	-7.60M	-6.00M	-4.00M	7.98M
Cost & Expenses	79.70M	42.96M	-96.45M	-109.73M	-88.53M	-73.71M	141.47M	139.07M	129.31M	-236.00K	-64.07M	-66.22M	-58.36M	-62.02M	-63.27M	-41.69M	-32.12M	-31.50M	-35.39M	16.15M	9.35B	9.17B	-10.38M	-5.09M	-7.60M	-6.00M	-4.00M	7.98M
Interest Income	124.14M	101.35M	93.73M	96.91M	95.01M	92.55M	89.59M	89.44M	87.05M	86.50M	80.21M	76.96M	73.79M	69.85M	64.97M	64.13M	64.83M	58.58M	48.77M	40.84M	38.67M	30.62M	28.23M	26.42M	23.70M	22.70M	19.80M	18.33M
Interest Expense	26.43M	7.89M	8.36M	13.38M	14.56M	11.03M	9.60M	8.97M	8.69M	8.53M	8.62M	10.11M	11.88M	13.24M	15.46M	21.40M	23.38M	18.46M	12.00M	7.55M	8.83M	9.18M	11.98M	11.31M	9.10M	9.60M	8.00M	7.67M
Depreciation & Amortization	3.88M	4.36M	4.74M	4.19M	3.87M	3.67M	3.45M	3.31M	2.51M	2.74M	2.35M	2.27M	2.12M	1.89M	2.07M	2.44M	2.56M	2.01M	1.55M	1.45M	1.69M	1.74M	1.60M	1.29M	1.20M	1.20M	1.20M	1.14M
EBITDA	0.00	41.32M	42.82M	33.41M	27.80M	118.31M	0.00	0.00	0.00	0.00	23.46M	26.30M	20.83M	12.95M	14.68M	0.00	14.39M	19.57M	18.52M	24.69M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
EBITDA Ratio	0.00%	2,913.20%	31.83%	24.04%	24.72%	34.71%	28.49%	27.77%	28.86%	29.12%	34.20%	36.28%	36.77%	30.33%	29.00%	42.17%	56.09%	56.32%	47.42%	43.46%	50.31%	57.88%	73.94%	84.22%	75.29%	80.08%	84.86%	293.70%
Operating Income	39.35M	44.64M	38.08M	29.22M	23.93M	33.57M	116.33M	115.07M	107.76M	25.60M	29.74M	34.14M	30.59M	24.29M	22.93M	26.19M	35.20M	36.02M	28.97M	24.69M	29.32B	21.45B	23.29M	18.97M	18.30M	18.10M	14.50M	12.69M
Operating Income Ratio	33.05%	2,654.22%	28.31%	21.03%	21.28%	31.29%	109.00%	108.45%	108.78%	26.31%	31.70%	34.02%	34.39%	28.15%	26.60%	38.58%	52.29%	53.35%	45.01%	42.58%	49,556.38%	50,020.00%	69.17%	78.85%	70.66%	75.10%	78.38%	269.44%
Total Other Income/Expenses	-10.18M	0.00	-281.00K	-2.20M	-22.56M	-23.02M	-98.37M	-97.15M	-90.38M	-315.00K	-2.35M	-2.27M	-2.12M	-1.89M	0.00	-1.58M	0.00	-2.01M	-1.55M	-8.49M	-10.07B	-7.55B	-11.98M	-11.31M	-9.10M	-9.60M	-8.00M	-7.67M
Income Before Tax	29.16M	36.96M	38.08M	29.22M	23.93M	22.54M	17.97M	17.92M	17.38M	17.08M	21.11M	24.03M	18.71M	11.06M	7.47M	4.80M	11.82M	17.56M	16.97M	16.20M	19.25M	13.90M	11.31M	7.66M	9.20M	8.50M	6.50M	5.02M
Income Before Tax Ratio	24.50%	2,197.62%	28.31%	21.03%	21.28%	21.01%	16.83%	16.89%	17.55%	17.55%	22.51%	23.94%	21.03%	12.81%	8.67%	7.07%	17.56%	26.01%	26.37%	27.95%	32.53%	32.41%	33.58%	31.84%	35.52%	35.27%	35.14%	106.61%
Income Tax Expense	5.42M	7.60M	8.96M	6.80M	5.08M	4.52M	11.39M	4.46M	4.85M	4.73M	6.71M	7.65M	5.74M	2.95M	1.95M	617.00K	3.34M	5.43M	5.18M	5.01M	6.33M	4.14M	3.32M	1.82M	2.40M	2.40M	1.60M	958.90K
Net Income	23.60M	29.16M	28.67M	22.12M	18.85M	18.02M	6.57M	13.46M	12.53M	12.35M	14.40M	16.38M	12.98M	8.11M	5.53M	4.18M	8.48M	12.13M	11.79M	11.20M	12.92M	9.76M	7.99M	5.84M	6.80M	6.10M	4.90M	4.06M
Net Income Ratio	19.83%	1,733.59%	21.31%	15.92%	16.76%	16.80%	6.16%	12.69%	12.65%	12.69%	15.35%	16.32%	14.59%	9.40%	6.41%	6.16%	12.60%	17.97%	18.32%	19.31%	21.84%	22.77%	23.73%	24.26%	26.25%	25.31%	26.49%	86.24%
EPS	6.92	8.29	7.95	6.06	5.47	5.15	1.89	3.90	3.68	3.63	4.37	5.00	3.76	2.26	1.44	1.38	2.79	3.85	3.49	3.14	3.58	2.73	2.25	1.62	1.83	1.59	1.25	0.92
EPS Diluted	6.92	8.29	7.95	6.06	5.47	5.15	1.88	3.89	3.68	3.59	4.19	4.86	3.72	2.24	1.44	1.37	2.68	3.71	3.36	3.00	3.42	2.67	2.23	1.60	1.81	1.56	1.25	0.92
Weighted Avg Shares Out	3.41M	3.52M	3.60M	3.65M	3.45M	3.50M	3.49M	3.45M	3.40M	3.40M	3.31M	3.22M	3.14M	3.09M	3.04M	3.03M	3.04M	3.15M	3.38M	3.57M	3.61M	3.58M	3.55M	3.60M	3.72M	3.84M	3.90M	4.41M
Weighted Avg Shares Out (Dil)	3.41M	3.52M	3.60M	3.65M	3.45M	3.50M	3.49M	3.46M	3.40M	3.44M	3.44M	3.31M	3.17M	3.10M	3.05M	3.06M	3.16M	3.27M	3.51M	3.73M	3.78M	3.66M	3.58M	3.65M	3.76M	3.91M	4.41M	4.41M

C&F Financial Corporation Announces Record Net Income for First Quarter

April 22, 2021globenewswire.com

TOANO, Va., April 22, 2021 (GLOBE NEWSWIRE) -- C&F Financial Corporation (the Corporation) (NASDAQ: CFFI), the one-bank holding company for C&F Bank, today reported record quarterly consolidated net income of $7.2 million for the first quarter of 2021, which represents...

C&F Financial Corporation Announces Quarterly Dividend

February 18, 2021globenewswire.com

WEST POINT, Va., Feb. 18, 2021 (GLOBE NEWSWIRE) -- The board of directors of C&F Financial Corporation (NASDAQ:CFFI) has declared a regular cash dividend of 38 cents per share, which is payable April 1, 2021 to shareholders of record on...

C&F Financial Corporation Announces Record Net Income for 2020

January 27, 2021globenewswire.com

WEST POINT, Va., Jan. 27, 2021 (GLOBE NEWSWIRE) -- C&F Financial Corporation (the Corporation) (NASDAQ:CFFI), the one-bank holding company for C&F Bank, today reported record quarterly consolidated net income of $8.1 million for the fourth quarter of 2020, or $2.19...

C&F Financial Corporation Declares Quarterly Dividend and Authorizes Share Repurchase Program

November 18, 2020globenewswire.com

TOANO, Va., Nov. 18, 2020 (GLOBE NEWSWIRE) -- The board of directors of C&F Financial Corporation (NASDAQ:CFFI) has declared a regular cash dividend of 38 cents per common share, which is payable January 1, 2021 to shareholders of record on...

C&F Financial Corporation Announces Record Third Quarter Net Income

October 27, 2020globenewswire.com

WEST POINT, Va., Oct. 27, 2020 (GLOBE NEWSWIRE) -- C&F Financial Corporation (the Corporation) (NASDAQ:CFFI), the one-bank holding company for C&F Bank, today reported record consolidated net income of $6.9 million, or $1.86 per share, for the third quarter of...