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C&F Financial CFFI Free cash flow margin

Free cash flow margin at other companies

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National BanksharesNKSH
28.6%+19.7pp
Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
37%+8.8pp
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Blue Ridge BanksharesBRBS
34.7%+31.8pp
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28.3%+3.5pp
CNB Financial logo
CNB FinancialCCNE
21.9%-2.1pp
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Civista BancsharesCIVB
29.6%+3.0pp

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

Returns & leverage

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

Where this comes from

Calculated from C&F Financial’s reported figures.

free cash flow/total revenue=7.8%

Based on trailing twelve months.

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 free cash flow margin?
C&F Financial (CFFI) reported free cash flow margin of 7.8% in Q1 2026.
How has C&F Financial's free cash flow margin changed year-over-year?
C&F Financial's free cash flow margin decreased by 71.7% year-over-year, from 27.7% to 7.8%.
What is the long-term trend for C&F Financial's free cash flow margin?
Over 4 years (2021 to 2025), C&F Financial's free cash flow margin has grown at a -38.9% compound annual growth rate (CAGR), from 112.9% to 15.7%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.