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C&F Financial CFFI Q2 2026 earnings

Reported July 23, 2026 · Before market open

Revenue$50.0M
EPS$2.63
“Strong loan growth in our community banking segment, increased mortgage originations in our mortgage banking segment, and margin expansion contributed to solid adjusted earnings for the quarter and first half of the year. In addition, our strategic initiatives to expand our geographic footprint into Southwest Virginia and restructure our securities portfolio are already generating positive results, and we expect these initiatives to continue supporting our performance over time.”
Tom Cherry

Next report

Oct 22, 2026 (In 2 weeks)
Revenue estimate$40.5M
EPS estimate$2.46

Financials

Q2 2026

Income statement

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Revenue$40.9M+12.4%
Net income$8.6M+11.3%
EPS (diluted)$2.63+11.0%

Balance sheet

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Cash & equivalents$62.1M-22.6%
Total debt$7.7M-82.0%
Total equity$277.8M+15.6%
Total assets$2.8B+4.6%

Cash flow

See full
Operating cash flow$24.7M+663%
CapEx$2.4M+325%
Free cash flow$22.3M+550%

Valuation & ratios

Valuation

as of 10/02/26
See full
Market cap$314.93M+46.9%
Enterprise value$260.48M+88.3%
P/E10.8×+2.6×
P/S2.1×+0.5×

Profitability

See full
Net margin19.5%+1.3pp
FCF margin25.9%+3.8pp

Returns & leverage

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Return on equity11.2%+0.6pp
Debt / equity0×-0.1×

Segments

By segment

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Community Banking$28.6M+15.6%
Consumer Finance$6.7M+2.4%
Mortgage Banking$5.1M+9.4%
All Other Segments$542.0K+15.6%

FAQ

When did C&F Financial report Q2 2026 earnings?
C&F Financial (CFFI) reported Q2 2026 earnings on July 23, 2026 before market open.
What were C&F Financial's Q2 2026 revenue and EPS?
C&F Financial reported revenue of $50.0M and eps of $2.63 for Q2 2026.
How did C&F Financial's Q2 2026 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 5.9% from $47.3M a year earlier and eps grew 11.0% from $2.37.
Where can I find C&F Financial's Q2 2026 SEC filings?
You can read the 8-K earnings release (0000913341-26-000038) and the 10-Q periodic report (0000913341-26-000043) directly on SEC EDGAR. The filing index links above go to sec.gov.