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C&F Financial CFFI Free cash flow

Free cash flow at other companies

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National BanksharesNKSH
$3.07M+91.6%
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Citizens Financial Services, Inc.CZFS
$17.89M+72.7%
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Blue Ridge BanksharesBRBS
$14.58M+503%
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$8.47M+713%
CNB Financial logo
CNB FinancialCCNE
$18.83M+90.6%
First Community Bankshares logo
First Community BanksharesFCBC
-$12.51M-203%

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%

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

Calculated from C&F Financial’s reported figures.

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?
C&F Financial (CFFI) reported free cash flow of -$7.89M in Q1 2026.
How has C&F Financial's free cash flow changed year-over-year?
C&F Financial's free cash flow decreased by 368.1% year-over-year, from $2.94M to -$7.89M.
What is the long-term trend for C&F Financial's free cash flow?
Over 4 years (2021 to 2025), C&F Financial's free cash flow has grown at a -38.3% compound annual growth rate (CAGR), from $152.6M to $22.16M.
What does free cash flow mean?
Free cash flow represents the cash generated by a company after accounting for cash outflows to support operations and maintain or expand its capital asset base. It serves as a critical indicator of a company's ability to fund organic growth, pay down debt, or return capital to shareholders without relying on external financing.