C & F FINANCIAL CORP
Financial highlights
| Metric | FY 12/31/25 | FY 12/31/24 | FY 12/31/23 | FY 12/31/22 | FY 12/31/21 |
|---|---|---|---|---|---|
| Income Statement | |||||
| Revenue | $140.8M | $127.3M | $127.3M | $122.7M | $135.2M |
| Interest expense | — | — | $26.4M | $7.9M | $8.4M |
| Pretax income | $33.1M | $24.1M | $29.2M | $37.0M | $38.1M |
| Income tax expense | $6.1M | $4.2M | $5.4M | $7.6M | $9.0M |
| Net income | $26.8M | $19.8M | $23.6M | $29.2M | $28.7M |
| Balance Sheet | |||||
| Total assets | $2.8B | $2.6B | $2.4B | $2.3B | $2.3B |
| Total liabilities | $2.5B | $2.3B | $2.2B | $2.1B | $2.1B |
| Stockholders' equity | $261.8M | $226.4M | $216.9M | $195.6M | $210.3M |
| Cash Flow Statement | |||||
| Cash from operations | $24.5M | $36.8M | $38.8M | $90.6M | $157.4M |
| Depreciation and amortization | $3.2M | $3.1M | $3.3M | $3.7M | $4.1M |
| Stock-based compensation | $1.8M | $1.9M | $2.0M | $2.0M | $1.7M |
| Capital expenditure | $2.3M | $3.5M | $1.5M | $3.4M | $4.8M |
| Free cash flow | $22.2M | $33.3M | $37.4M | $87.2M | $152.6M |
| Dividends paid | $6.0M | $5.8M | $6.0M | $5.8M | $5.7M |
| Share repurchases | $943,000 | $8.8M | $7.8M | $5.4M | $8.2M |
Shares outstanding 3.3M · Free float 93.6%
Annual filing data through FY ended December 31, 2025; float as of July 11, 2026.