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C&F Financial CFFI Consumer Finance — Interest Income Expense Net

Other segment segments

Community Banking
$21.62M+15.3%
All Other Segments
-$1.1M-84.6%
Mortgage Banking
$308K+15.4%

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Other financials

Income statement

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Revenue$36.3M+11.3%
Net income$6.7M+25.7%
EPS (diluted)$2.08+25.3%

Balance sheet

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Cash & equivalents$77.4M+1.9%
Total debt$20.0M-44.3%
Total equity$265.5M+13.1%
Total assets$2.8B+7.7%

Cash flow

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Operating cash flow-$7.6M-336%
CapEx$322.0K+20.6%
Free cash flow-$7.9M-368%

Valuation

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Market cap$260.35M+29.2%
Enterprise value$202.92M+23.8%
P/E9.2×+1.0×
P/S1.8×+0.3×

Profitability

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Net margin19.5%+2.7pp
FCF margin7.8%-19.9pp

Returns & leverage

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Return on equity11.3%+1.6pp
Debt / equity0.1×-0.1×

Where this comes from

Reported directly by C&F Financial in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The official record: C&F Financial’s 10-Q, filed May 11, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is C&F Financial's consumer finance — interest income expense net?
C&F Financial (CFFI) reported consumer finance — interest income expense net of $6.67M in Q1 2026.
How has C&F Financial's consumer finance — interest income expense net changed year-over-year?
C&F Financial's consumer finance — interest income expense net increased by 3.5% year-over-year, from $6.44M to $6.67M.
What is the long-term trend for C&F Financial's consumer finance — interest income expense net?
Over 4 years (2021 to 2025), C&F Financial's consumer finance — interest income expense net has grown at a -2.0% compound annual growth rate (CAGR), from $28.3M to $26.15M.
What does consumer finance — interest income expense net mean?
This is the net interest income for the consumer finance segment after accounting for internal allocations and transfer pricing. It represents the true net interest margin contribution of the segment to the overall bank holding company. Investors monitor this to evaluate the segment's efficiency in managing its net interest spread.