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C&F Financial CFFI Consumer Finance — Labor And Related Expense

Other segment segments

Community Banking
$10.12M+9.0%
Mortgage Banking
$2.26M+26.2%
All Other Segments
-$54K-112%

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$28.17M+41.3%
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$39.83M+8.8%
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ATLCAuto Finance — Labor And Related Expense
$1.18M-2.7%
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$216.07M+1.6%
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FSBWCommercial And Consumer Banking — Labor And Related Expense
$8.31M+8.4%

Other financials

Income statement

See full
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:LaborAndRelatedExpense.

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 — labor and related expense?
C&F Financial (CFFI) reported consumer finance — labor and related expense of $2.03M in Q1 2026.
How has C&F Financial's consumer finance — labor and related expense changed year-over-year?
C&F Financial's consumer finance — labor and related expense increased by 2.8% year-over-year, from $1.98M to $2.03M.
What is the long-term trend for C&F Financial's consumer finance — labor and related expense?
Over 3 years (2022 to 2025), C&F Financial's consumer finance — labor and related expense has grown at a -4.6% compound annual growth rate (CAGR), from $8.94M to $7.75M.
What does consumer finance — labor and related expense mean?
This metric captures the total compensation costs, including salaries, benefits, and payroll taxes, for employees dedicated to the consumer finance business unit. It serves as a primary indicator of the segment's operational scale and human capital investment.