← CFFI
CFFI— C & F FINANCIAL CORP
FinancialsState Commercial Banks
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Interest and fees on loans | $135.6M+6.7% | $127.1M+14.6% | $110.9M+22.1% | $90.8M+3.1% | $88.1M-3.2% | $91.0M+4.0% | $87.5M+3.5% | $84.5M |
| Interest on interest-bearing deposits in other banks | $2.5M+81.8% | $1.4M+10.4% | $1.2M | — | — | — | — | — |
| U.S. treasury, government agencies and corporations | $1.1M-34.0% | $1.7M-51.8% | $3.5M+22.1% | $2.9M+305.5% | $705K+52.3% | $463K+8.4% | $427K+18.3% | $361K |
| Mortgage-backed securities | $6.1M+57.0% | $3.9M+6.5% | $3.7M+15.4% | $3.2M+61.2% | $2.0M-6.5% | $2.1M-4.6% | $2.2M-4.5% | $2.3M |
| Tax-exempt obligations of states and political subdivisions | $3.9M+9.4% | $3.6M+25.5% | $2.8M+75.2% | $1.6M-3.3% | $1.7M-15.4% | $2.0M-6.0% | $2.1M-22.6% | $2.7M |
| Taxable obligations of states and political subdivisions | $770K+4.2% | $739K+1.8% | $726K+10.7% | $656K+69.9% | $386K-4.9% | $406K+13.4% | $358K+12.2% | $319K |
| Corporate and other | $1.5M+18.1% | $1.2M+0.7% | $1.2M+32.0% | $927K+50.7% | $615K+150.0% | $246K+18.8% | $207K+2.0% | $203K |
| Total interest income | $151.5M+8.5% | $139.6M+12.5% | $124.1M+22.5% | $101.4M+8.1% | $93.7M-3.3% | $96.9M+2.0% | $95.0M+2.7% | $92.5M |
| Savings and interest-bearing deposits | $8.4M+26.9% | $6.6M+25.0% | $5.3M+136.8% | $2.2M+58.1% | $1.4M-12.7% | $1.6M-29.8% | $2.3M+43.5% | $1.6M |
| Time deposits | $31.1M-1.2% | $31.5M+108.2% | $15.1M+404.4% | $3.0M-25.6% | $4.0M-49.8% | $8.0M+18.0% | $6.8M+66.4% | $4.1M |
| Borrowings | $4.4M+28.4% | $3.4M-29.3% | $4.8M+222.9% | $1.5M-15.2% | $1.8M-31.7% | $2.6M-40.1% | $4.3M+3.3% | $4.2M |
| Trust preferred capital notes | $1.4M+7.4% | $1.3M+11.6% | $1.2M+2.5% | $1.2M+1.1% | $1.2M-0.4% | $1.2M+1.9% | $1.1M-1.5% | $1.2M |
| Total interest expense | $45.3M+5.8% | $42.8M+62.0% | $26.4M+235.0% | $7.9M-5.6% | $8.4M-37.5% | $13.4M-8.1% | $14.6M+32.0% | $11.0M |
| Net interest income | $106.2M+9.7% | $96.8M-1.0% | $97.7M+4.5% | $93.5M+9.5% | $85.4M+2.2% | $83.5M+3.8% | $80.5M-1.3% | $81.5M |
| Provision for credit losses | $11.6M-12.8% | $13.3M+60.1% | $8.3M+160.9% | $3.2M+451.7% | $575K | — | — | — |
| Net interest income after provision for credit losses | $94.7M+13.3% | $83.5M-6.6% | $89.4M-1.0% | $90.3M+6.5% | $84.8M+17.0% | $72.5M+0.7% | $71.9M+2.0% | $70.5M |
| Gains on sales of loans | $8.0M+31.6% | $6.1M+4.9% | $5.8M-22.9% | $7.5M-66.3% | $22.3M-23.8% | $29.2M+175.6% | $10.6M+35.2% | $7.8M |
| Interchange income | $6.3M+1.7% | $6.2M-0.1% | $6.2M+2.6% | $6.0M+5.1% | $5.7M+20.4% | $4.8M+13.4% | $4.2M+8.3% | $3.9M |
| Service charges on deposit accounts | $4.1M-4.1% | $4.3M-1.0% | $4.3M+0.6% | $4.3M+15.8% | $3.7M+10.8% | $3.4M-14.4% | $3.9M-6.9% | $4.2M |
| Investment income from other equity interests | $741K-22.8% | $960K+41.8% | $677K-78.4% | $3.1M+588.2% | $456K+533.3% | $72K | — | — |
| Mortgage banking fee income | $2.9M+28.0% | $2.3M+8.3% | $2.1M-28.0% | $2.9M-54.8% | $6.5M-16.0% | $7.7M+64.1% | $4.7M+27.5% | $3.7M |
| Wealth management services income, net | $3.1M+3.7% | $3.0M+16.7% | $2.6M+5.0% | $2.4M-11.6% | $2.8M+5.5% | $2.6M+29.0% | $2.0M+9.1% | $1.9M |
| Mortgage lender services income | $2.9M+39.1% | $2.0M+0.0% | $2.0M+22.9% | $1.7M-33.1% | $2.5M+14.5% | $2.2M+457.9% | $390K+18.5% | $329K |
| Other service charges and fees | $2.1M+9.0% | $1.9M+15.7% | $1.6M+4.2% | $1.6M-0.5% | $1.6M+2.2% | $1.6M+3.7% | $1.5M+7.9% | $1.4M |
| Net losses on sales, maturities and calls of available for sale securities | -$5K | — | — | — | — | — | $10K+0.0% | $10K |
| Other income, net | $4.6M+19.4% | $3.8M-10.8% | $4.3M+1235.5% | -$377K-108.8% | $4.3M+38.4% | $3.1M-24.4% | $4.1M | — |
| Total noninterest income | $34.6M+13.4% | $30.5M+3.1% | $29.6M+1.4% | $29.2M-41.4% | $49.8M-8.7% | $54.6M+73.7% | $31.4M+19.2% | $26.4M |
| Salaries and employee benefits | $56.8M+6.0% | $53.6M-2.4% | $54.9M+14.6% | $47.9M-18.3% | $58.6M+1.6% | $57.7M+22.2% | $47.2M+12.4% | $42.0M |
| Occupancy | $8.8M+4.8% | $8.4M+5.1% | $8.0M-6.7% | $8.6M-3.3% | $8.9M+2.5% | $8.6M+9.2% | $7.9M+2.5% | $7.7M |
| Data processing | $12.0M+5.7% | $11.3M+4.0% | $10.9M+3.4% | $10.5M-5.2% | $11.1M | — | — | — |
| Professional fees | $3.7M+2.4% | $3.6M+31.2% | $2.8M-0.5% | $2.8M-9.8% | $3.1M | — | — | — |
| Insurance expense | $1.7M-6.1% | $1.8M+10.4% | $1.7M+58.2% | $1.0M-1.1% | $1.1M | — | — | — |
| Marketing and advertising expenses | $2.4M+94.8% | $1.2M-21.6% | $1.5M-14.2% | $1.8M+18.5% | $1.5M | — | — | — |
| Loan processing and collection expenses | $3.1M+17.9% | $2.7M-19.8% | $3.3M-16.6% | $4.0M+27.2% | $3.1M | — | — | — |
| Other | $7.8M+6.0% | $7.3M+6.7% | $6.9M+14.5% | $6.0M-35.1% | $9.2M-68.5% | $29.3M+20.5% | $24.3M-1.1% | $24.6M |
| Total noninterest expenses | $96.2M+7.0% | $89.9M+0.1% | $89.9M+8.9% | $82.5M-14.5% | $96.5M-1.3% | $97.8M+23.1% | $79.5M+6.9% | $74.3M |
| Income before income taxes | $33.1M+37.0% | $24.1M-17.3% | $29.2M-21.1% | $37.0M-2.9% | $38.1M+30.3% | $29.2M+22.1% | $23.9M+6.2% | $22.5M |
| Income tax expense | $6.1M+44.2% | $4.2M-22.2% | $5.4M-28.7% | $7.6M-15.2% | $9.0M+31.8% | $6.8M+33.7% | $5.1M+12.4% | $4.5M |
| Net income | $27.0M+35.5% | $19.9M-16.1% | $23.7M-19.1% | $29.4M+0.8% | $29.1M+29.9% | $22.4M+19.0% | $18.9M+4.6% | $18.0M |
| Less net income attributable to noncontrolling interest | $156K+85.7% | $84K-40.8% | $142K-32.4% | $210K-53.9% | $456K+48.5% | $307K+3511.1% | -$9K | — |
| Net income attributable to C&F Financial Corporation | $26.8M+35.3% | $19.8M-16.0% | $23.6M-19.1% | $29.2M+1.7% | $28.7M+29.6% | $22.1M+17.3% | $18.9M+4.7% | $18.0M |
| Net income per share - basic (in dollars per share) | $8K+37.9% | $6K-13.2% | $7K-16.5% | $8K+4.3% | $8K+31.2% | $6K+10.8% | $5K | — |
| Net income per share - diluted (in dollars per share) | $8K+37.9% | $6K-13.2% | $7K-16.5% | $8K+4.3% | $8K+31.2% | $6K+10.8% | $5K | — |
Source: SEC EDGAR XBRL. % change vs prior period shown where available.
Source: SEC EDGAR 10-K and 10-Q filings. Up to 10 years annual / 16 quarters shown.