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C&F Financial CFFI Q4 2025 Annual earnings

Reported January 27, 2026 · Before market open

Revenue$47.7M
EPS$2.07

Next report

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

Financials

Q4 2025

Income statement

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Revenue$35.9M+12.0%
Net income$6.7M+11.0%
EPS (diluted)$2.07+11.3%

Balance sheet

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Cash & equivalents$79.1M+20.7%
Total debt$38.2M-3.2%
Total equity$261.8M+15.6%
Total assets$2.8B+8.0%

Cash flow

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Operating cash flow$2.2M-93.4%
CapEx$756.0K+75.8%
Free cash flow$1.5M-95.6%

Valuation & ratios

Valuation

as of 12/31/25
See full
Market cap$235.06M+2.3%
Enterprise value$194.09M-4.7%
P/E8.8×-2.8×
P/S1.7×-0.1×

Profitability

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Net margin19.1%+3.5pp
FCF margin15.7%-10.4pp

Returns & leverage

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Return on equity11%+2.0pp
Debt / equity0.1×0.0×

Segments

By segment

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Community Banking$25.9M+10.2%
Consumer Finance$7.0M-0.5%
Mortgage Banking$3.9M+36.7%
All Other Segments-$794.0K+35.3%

FAQ

When did C&F Financial report Q4 2025 earnings?
C&F Financial (CFFI) reported Q4 2025 earnings on January 27, 2026 before market open.
What were C&F Financial's Q4 2025 revenue and EPS?
C&F Financial reported revenue of $47.7M and eps of $2.07 for Q4 2025.
How did C&F Financial's Q4 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 53.2% from $31.1M a year earlier and eps grew 10.7% from $1.87.
Where can I find C&F Financial's Q4 2025 SEC filings?
You can read the 8-K earnings release (0000913341-26-000005) and the 10-K periodic report (0000913341-26-000010) directly on SEC EDGAR. The filing index links above go to sec.gov.