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C&F Financial CFFI Provision for Credit Losses

Provision for Credit Losses at other companies

Trico Bancshares logo
Trico BancsharesTCBK
$3.33M-10.8%
Bar Harbor Bankshares logo
Bar Harbor BanksharesBHB
$305K+635%
H&R Block logo
H&R BlockHRB
$36.38M+3.0%
SBC
Seacoast Banking Corporation of FloridaSBCF
$761K-91.8%
United Community Banks logo
United Community BanksUCB
$10.85M-29.6%
Prosperity Bancshares logo
Prosperity BancsharesPB
$0

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 cffi:ProvisionForCreditLosses.

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 provision for credit losses?
C&F Financial (CFFI) reported provision for credit losses of $3.6M in Q1 2026.
How has C&F Financial's provision for credit losses changed year-over-year?
C&F Financial's provision for credit losses increased by 20.0% year-over-year, from $3M to $3.6M.
What is the long-term trend for C&F Financial's provision for credit losses?
Over 4 years (2021 to 2025), C&F Financial's provision for credit losses has grown at a 111.7% compound annual growth rate (CAGR), from $575K to $11.55M.
What does provision for credit losses mean?
This represents the non-cash expense set aside by the bank to cover potential future losses from loan defaults or credit deterioration. It reflects management's assessment of credit risk within the loan portfolio and directly impacts the bank's net income. A higher provision indicates an expectation of increased credit risk or portfolio growth.