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C&F Financial CFFI Q2 2025 earnings

Reported July 24, 2025 · Before market open

Revenue$47.3M
EPS$2.37

Next report

Oct 22, 2026 (in 3 months)

Financials

Q2 2025

Income statement

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Revenue$36.4M+16.7%
Net income$7.7M+53.6%
EPS (diluted)$2.37+58.0%

Balance sheet

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Cash & equivalents$80.2M+79.5%
Total debt$42.6M+70.2%
Total equity$240.3M+10.0%
Total assets$2.7B+7.8%

Cash flow

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Operating cash flow-$4.4M-359%
CapEx$566.0K+5.0%
Free cash flow-$5.0M-529%

Valuation & ratios

Valuation

as of 06/30/25
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Market cap$190.36M+17.2%
Enterprise value$152.81M+7.0%
P/E7.8×-0.7×
P/S1.4×+0.1×

Profitability

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Net margin18.2%+2.7pp
FCF margin22.1%-10.4pp

Returns & leverage

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Return on equity10.7%+1.5pp
Debt / equity0.2×+0.1×

Segments

By segment

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Community Banking$24.7M+14.1%
Consumer Finance$6.6M-2.4%
Mortgage Banking$4.6M+38.5%
All Other Segments$469.0K+211%

FAQ

When did C&F Financial report Q2 2025 earnings?
C&F Financial (CFFI) reported Q2 2025 earnings on July 24, 2025 before market open.
What were C&F Financial's Q2 2025 revenue and EPS?
C&F Financial reported revenue of $47.3M and eps of $2.37 for Q2 2025.
How did C&F Financial's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 53.8% from $30.7M a year earlier and eps grew 58.0% from $1.50.
Where can I find C&F Financial's Q2 2025 SEC filings?
You can read the 8-K earnings release (0000913341-25-000049) and the 10-Q periodic report (0000913341-25-000052) directly on SEC EDGAR. The filing index links above go to sec.gov.