What is C&F Financial's net margin?

C&F Financial (CFFI) reported net margin of 19.5% in Q1 2026.

How has C&F Financial's net margin changed year-over-year?

C&F Financial's net margin increased by 15.7% year-over-year, from 16.9% to 19.5%.

What is the long-term trend for C&F Financial's net margin?

Over 5 years (2020 to 2025), C&F Financial's net margin has grown at a 3.5% compound annual growth rate (CAGR), from 16% to 19.1%.

What does net margin mean?

Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.

C&F Financial CFFI Net margin

Net margin at other companies

JPMorgan ChaseJPM

31.5%-1.5pp

Bank of AmericaBAC

27.3%+1.8pp

Wells Fargo & CompanyWFC

25.5%+1.0pp

Truist FinancialTFC

26.9%-9.8pp

National BanksharesNKSH

30.3%+12.1pp

Citizens Financial Services, Inc.CZFS

34%+6.2pp

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

See full

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

See full

Operating cash flow-$7.6M-336%

CapEx$322.0K+20.6%

Free cash flow-$7.9M-368%

Valuation

See full

Market cap$260.35M+29.2%

Enterprise value$202.92M+23.8%

P/E9.2×+1.0×

P/S1.8×+0.3×

Profitability

See full

FCF margin7.8%-19.9pp

Returns & leverage

See full

Return on equity11.3%+1.6pp

Debt / equity0.1×-0.1×

Where this comes from

Calculated from C&F Financial’s reported figures.

net income/total revenue=19.5%

Based on trailing twelve months.

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

Ask your AI about C&F Financial's net margin.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI

Claude

Questions, answered.

What is C&F Financial's net margin?: C&F Financial (CFFI) reported net margin of 19.5% in Q1 2026.
How has C&F Financial's net margin changed year-over-year?: C&F Financial's net margin increased by 15.7% year-over-year, from 16.9% to 19.5%.
What is the long-term trend for C&F Financial's net margin?: Over 5 years (2020 to 2025), C&F Financial's net margin has grown at a 3.5% compound annual growth rate (CAGR), from 16% to 19.1%.
What does net margin mean?: Net income as a percentage of revenue (trailing twelve months). The bottom-line profitability measure after all costs, interest, and taxes.