C&F Financial Corporation
NASDAQ:CFFI
67.27 (USD) • At close July 3, 2025
Overview | Financials
Numbers are in millions (except for per share data and ratios) USD.
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities: | |||||||||||||||||||||||||||||
| Net Income
| 19.918 | 23.746 | 29.369 | 29.123 | 22.424 | 18.85 | 18.02 | 6.572 | 13.459 | 12.53 | 12.344 | 14.444 | 16.382 | 12.976 | 8.11 | 5.526 | 4.181 | 8.48 | 12.129 | 11.788 | 11.198 | 12.919 | 9.765 | 7.989 | 5.836 | 6.8 | 6.1 | 4.9 | 4.061 |
| Depreciation & Amortization
| 3.857 | 3.879 | 4.356 | 4.741 | 4.189 | 3.866 | 3.671 | 3.447 | 3.42 | 2.511 | 2.739 | 2.349 | 2.27 | 2.121 | 1.887 | 2.067 | 2.381 | 2.563 | 2.007 | 1.549 | 1.446 | 1.689 | 1.737 | 1.604 | 1.294 | 1.2 | 1.2 | 1.2 | 1.142 |
| Deferred Income Tax
| 0.474 | 0.902 | 0.708 | -0.09 | -0.817 | 0.354 | 0.632 | 9.405 | -0.023 | 1.378 | 2.247 | 2.286 | -0.848 | -1.341 | -2.253 | -3.477 | -2.672 | -1.112 | -0.97 | -1.115 | -1.373 | -0.55 | -0.349 | -0.037 | -0.154 | -0.1 | -0.3 | -0.3 | -0.024 |
| Stock Based Compensation
| 1.923 | 1.994 | 1.973 | 1.697 | 1.447 | 1.466 | 1.345 | 1.451 | 1.218 | 1.231 | 1.104 | 0.743 | 0.566 | 0.395 | 0.367 | 0.318 | 0.292 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change In Working Capital
| 7.005 | -1.199 | -9.398 | -3.905 | 7.31 | 1.38 | 3.931 | -7.097 | 1.818 | -1.355 | -5.917 | -8.585 | -1.859 | 0.285 | -4.506 | -4.789 | 4.328 | 16.324 | -12.723 | 10.974 | -20.654 | -7.834 | 4.582 | 3.963 | 0.057 | -5 | 2.5 | 2.2 | 0.14 |
| Accounts Receivables
| -0.194 | -1.416 | -2.172 | 1.293 | -0.897 | 0.66 | 0.153 | -0.328 | -0.432 | -0.408 | -0.061 | 0.333 | -0.431 | -0.169 | 0.335 | -0.312 | -0.027 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.169 |
| Inventory
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Payables
| 0.91 | 2.543 | 0.235 | -0.394 | -0.442 | 0.371 | 0.082 | 0.135 | 0.005 | -0.042 | -0.103 | -0.905 | -0.274 | -0.049 | -0.409 | -0.352 | -0.194 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Working Capital
| 6.289 | -2.326 | -7.461 | -4.804 | 8.649 | 0.349 | 3.696 | -6.904 | 2.245 | -0.905 | -5.753 | -8.013 | -1.154 | 0.503 | -4.432 | -4.125 | 4.549 | 16.324 | -12.723 | 10.974 | -20.654 | -7.834 | 4.582 | 3.963 | 0.057 | -5 | 2.5 | 2.2 | -0.029 |
| Other Non Cash Items
| 5.311 | 9.489 | 63.551 | 126.187 | -114.927 | -40.548 | 20.063 | 11.997 | 7.085 | -0.963 | 21.66 | 52.401 | 12.847 | 13.657 | -17.013 | 32.196 | 12.507 | 7.458 | 4.652 | 5.427 | 4.108 | 80.332 | -36.781 | -52.494 | 7.542 | 42.4 | -41.9 | -12 | -9.616 |
| Operating Cash Flow
| 38.488 | 38.811 | 90.559 | 157.387 | -80.374 | -14.632 | 47.122 | 25.775 | 26.977 | 15.332 | 34.177 | 63.638 | 29.279 | 27.992 | -13.408 | 31.841 | 21.017 | 33.713 | 5.095 | 28.623 | -5.275 | 86.556 | -21.045 | -38.976 | 14.574 | 45.3 | -32.4 | -4 | -4.296 |
| Investing Activities: | |||||||||||||||||||||||||||||
| Investments In Property Plant And Equipment
| -3.486 | -1.459 | -3.394 | -4.786 | -10.228 | -2.706 | -3.374 | -4.18 | -2.708 | -1.808 | -1.815 | -3.654 | -0.891 | -1.84 | -1.14 | -0.426 | -0.658 | -2.228 | -6.049 | -12.392 | -4.383 | -2.862 | -0.908 | -17.284 | -2.506 | -2.9 | -0.9 | -1.6 | -0.961 |
| Acquisitions Net
| 0 | 0 | 0 | 0 | 19.101 | 0 | 0 | 0 | 0 | 0 | 0 | 55.579 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Purchases Of Investments
| -56.395 | -39.275 | -242.228 | -209.224 | -201.87 | -48.216 | -51.322 | -53.461 | -52.605 | -37.114 | -35.352 | -31.733 | -40.906 | -39.914 | -41.969 | -39.286 | -40.265 | -22.529 | -10.204 | -6.142 | -18.719 | -54.517 | -12.627 | -4.177 | -1.117 | -21.3 | -17.6 | -24.2 | -38.118 |
| Sales Maturities Of Investments
| 100.601 | 100.812 | 55.328 | 114.019 | 123.741 | 75.573 | 51.067 | 41.52 | 57.355 | 36.45 | 38.66 | 79.441 | 34.1 | 31.098 | 28.693 | 23.139 | 18.516 | 6.189 | 7.671 | 12.144 | 48.411 | 13.708 | 6.818 | 17.297 | 1.967 | 14.5 | 32.1 | 34.2 | 179.838 |
| Other Investing Activites
| -189.36 | -116.417 | -220.985 | -38.702 | -114.03 | -60.59 | -43.894 | -43.791 | -108.366 | -81.191 | -25.906 | -8.821 | -37.069 | -20.519 | -8.69 | -10.532 | -64.07 | -75.478 | -57.429 | -76.398 | -48.327 | -24.696 | -29.734 | -19.234 | -24.226 | -36.7 | -15.7 | -18.1 | -153.624 |
| Investing Cash Flow
| -148.64 | -56.339 | -411.279 | -138.693 | -183.286 | -35.929 | -47.523 | -59.912 | -106.324 | -83.663 | -24.413 | 90.812 | -44.766 | -31.175 | -23.106 | -27.105 | -86.477 | -94.046 | -66.011 | -82.788 | -22.976 | -68.366 | -36.451 | -23.397 | -25.882 | -46.4 | -2.1 | -9.7 | -12.865 |
| Financing Activities: | |||||||||||||||||||||||||||||
| Debt Repayment
| 10.772 | 17.632 | 1.857 | 14.28 | -97.707 | 1.444 | -8.205 | 3.257 | -12.73 | 10.198 | -2.844 | -39.465 | 1.595 | -2.989 | -6.692 | -48.628 | 43.413 | 60.991 | 12.742 | 24.029 | 10.552 | -26.745 | 7.082 | 13.234 | -16.066 | 5.4 | 15.3 | 4.3 | 6.82 |
| Common Stock Issued
| 0 | 0 | 0 | 0 | 0 | 0 | 0.144 | 0.147 | 0.149 | 0.135 | 0.133 | 0.125 | 0.2 | 0.041 | 0 | 19.914 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0.013 |
| Common Stock Repurchased
| -8.761 | -7.758 | -5.373 | -8.232 | -1.061 | -4.917 | -1.537 | -0.56 | 0 | -1.687 | -0.161 | 0 | 0 | 0 | 0 | -19.914 | -0.04 | -8.435 | 0 | -17.64 | -3.421 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -2.127 |
| Dividends Paid
| -5.78 | -5.986 | -5.756 | -5.675 | -5.546 | -5.131 | -4.931 | -4.637 | -4.464 | -4.148 | -4.05 | -3.845 | -3.682 | -4.018 | -4.088 | -4.08 | -3.754 | -3.769 | -3.657 | -3.339 | -3.202 | -2.592 | -2.226 | -2.056 | -1.911 | -1.8 | -1.7 | -1.4 | -1.365 |
| Other Financing Activities
| 104.348 | 62.138 | 88.908 | 162.009 | 289.21 | 109.585 | 10.232 | 51.739 | 46.65 | 49.16 | 16.635 | 11.254 | 31.077 | 11.976 | 18.913 | 76.145 | 23.466 | -5.264 | 37.397 | 48.304 | 19.499 | 44.102 | 59.62 | 48.264 | 29.834 | 9.1 | 20.2 | 15.1 | 9.026 |
| Financing Cash Flow
| 100.579 | 66.026 | 79.636 | 162.382 | 184.896 | 100.981 | -4.441 | 50.359 | 29.605 | 53.658 | 9.713 | -31.931 | 29.19 | 5.01 | 8.133 | 23.437 | 63.039 | 44.09 | 46.544 | 51.857 | 23.686 | 13.23 | 64.77 | 58.592 | 10.66 | 8.1 | 34.2 | 13.8 | 12.367 |
| Other Information: | |||||||||||||||||||||||||||||
| Effect Of Forex Changes On Cash
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Change In Cash
| -9.573 | 48.498 | -241.084 | 181.076 | -78.764 | 50.42 | -4.41 | 16.222 | -49.742 | -14.673 | 19.477 | 122.519 | 14.113 | 1.827 | -28.381 | 28.173 | -2.375 | -16.243 | -14.372 | -2.308 | -4.565 | 31.42 | 7.274 | -3.781 | -0.648 | 7 | -0.4 | -8.8 | -4.793 |
| Cash At End Of Period
| 65.586 | 75.159 | 26.661 | 267.745 | 86.669 | 165.433 | 115.013 | 119.423 | 103.201 | 152.943 | 167.616 | 148.139 | 25.62 | 11.507 | 9.68 | 38.061 | 9.888 | 12.263 | 28.506 | 42.878 | 45.186 | 49.751 | 18.331 | 11.057 | 14.838 | 15.5 | 8.5 | 22.6 | 8.799 |