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C&F Financial CFFI Bank Owned Life Insurance Income

Bank Owned Life Insurance Income at other companies

Citizens Financial Services, Inc. logo
Citizens Financial Services, Inc.CZFS
$570K+64.7%
Citizens & Northern logo
Citizens & NorthernCZNC
$515K+12.7%
Civista Bancshares logo
Civista BancsharesCIVB
$458.75K-16.8%
Community Financial System logo
Community Financial SystemCBU
$991K+78.2%

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:BankOwnedLifeInsuranceIncome.

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 bank owned life insurance income?
C&F Financial (CFFI) reported bank owned life insurance income of $81K in Q1 2026.
How has C&F Financial's bank owned life insurance income changed year-over-year?
C&F Financial's bank owned life insurance income decreased by 23.6% year-over-year, from $106K to $81K.
What is the long-term trend for C&F Financial's bank owned life insurance income?
Over 4 years (2021 to 2025), C&F Financial's bank owned life insurance income has grown at a 2.3% compound annual growth rate (CAGR), from $526K to $576K.
What does bank owned life insurance income mean?
This metric measures the income generated from life insurance policies held by the bank on the lives of its employees or executives. It represents the increase in the cash surrender value of these policies, which serves as a tax-advantaged investment vehicle for the institution. It is a recurring non-interest income stream that supports overall profitability.