C & F Financial Corp Dossier
Financial Snapshot
Revenue, profitability, returns, debt, and capital allocation
Revenue $149M+17.1% YoYTTM through 30 Jun 2026
Net Income $29.1M+46.6% YoYTTM through 30 Jun 2026
Free Cash Flow $38.6MTTM through 30 Jun 2026
Margins
| Current | |
|---|---|
| Operating Margin | 17.5% |
| Net Margin | 19.5% |
Returns
10.2%ROE
1.0%ROA
12.3%ROIC
Balance Sheet Health
Debt / Equity0.39x
Net Debt$88M
Cash & Equivalents$62.1M
Quality Metrics
Piotroski F-Score6 / 9
FCF Margin25.9%
Multi-Year Trend
RevenueFY2025: $140.8M
Diluted EPS$8.97TTMFY2025: $8.29
Dividend
$0.96Per share, FY20262.52%Yield-9.5%5-yr growth
Capital Allocation
Capex Intensity2.8%
Segment Performance
| Segment | Revenue | YoY | Outlook |
|---|---|---|---|
| Community Banking | |||
| Mortgage Banking | |||
| Consumer Finance |
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