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C&F Financial CFFI Loan-related expense

Loan-related expense at other companies

PennyMac Financial Services, Inc. logo
PennyMac Financial Services, Inc.PFSI
$79.7M+80.7%
Equity Bancshares logo
Equity BancsharesEQBK
$498K+286%
Origin Bancorp logo
Origin BancorpOBK
$895K+49.4%
Capital Bancorp logo
Capital BancorpCBNK
$1.38M+86.1%
C&F Financial logo
C&F FinancialCFFI
$873K+27.8%
Ponce Financial Group, Inc. logo
Ponce Financial Group, Inc.PDLB
$121K-68.8%

Segments

By segment

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Consumer Finance$474K+15.3%
Mortgage Banking$360K+56.5%
Community Banking$39K-7.1%

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:LoanProcessingFee.

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 loan-related expense?
C&F Financial (CFFI) reported loan-related expense of $873K in Q1 2026.
How has C&F Financial's loan-related expense changed year-over-year?
C&F Financial's loan-related expense increased by 27.8% year-over-year, from $683K to $873K.
What is the long-term trend for C&F Financial's loan-related expense?
Over 4 years (2021 to 2025), C&F Financial's loan-related expense has grown at a 0.1% compound annual growth rate (CAGR), from $3.13M to $3.14M.
What does loan-related expense mean?
This captures the direct costs incurred during the origination, underwriting, and administrative processing of loan products. It is a key component of the variable cost structure associated with the bank's lending activities. Analyzing this expense relative to loan volume provides insight into the operational efficiency of the bank's credit delivery pipeline.