C & F Financial Corp (CFFI) stock
CFFINasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 15/3014% above fair value
$106.00+0.18 (+0.17%)
Close on Nov 13, 2026Market cap $344.68MP/E 11.4Yield 1.74%
C & F Financial profit margin
Profit margin (net margin) is net income as a percentage of revenue.
C & F Financial's profit margin for the twelve months ending Sep 30, 2026 was 20.0%. For fiscal 2025 it was 19.1%, against 15.6% the year before. The highest annual figure on record is 23.8% in fiscal 2022.
Annual profit margin
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | 19.1% | +3.5 |
| FY2024 | Dec 31, 2024 | 15.6% | −3.0 |
| FY2023 | Dec 31, 2023 | 18.5% | −5.2 |
| FY2022 | Dec 31, 2022 | 23.8% | +2.6 |
| FY2021 | Dec 31, 2021 | 21.2% | +5.2 |
| FY2020 | Dec 31, 2020 | 16.0% | −0.8 |
| FY2019 | Dec 31, 2019 | 16.9% | +1.7 |
| FY2018 | Dec 31, 2018 | 15.2% | +9.5 |
| FY2017 | Dec 31, 2017 | 5.6% | −6.0 |
| FY2016 | Dec 31, 2016 | 11.7% | +0.0 |
| FY2015 | Dec 31, 2015 | 11.6% | −0.0 |
| FY2014 | Dec 31, 2014 | 11.7% | −2.5 |
| FY2013 | Dec 31, 2013 | 14.2% | −2.6 |
| FY2012 | Dec 31, 2012 | 16.8% | +3.9 |
| FY2011 | Dec 31, 2011 | 12.9% | +4.7 |
| FY2010 | Dec 31, 2010 | 8.1% | – |
Quarterly profit margin
Change is against the same quarter a year earlier.
| Period | Period end | Value | Change (pts) |
|---|---|---|---|
| Q3 FY2026 | Sep 30, 2026 | 21.7% | +2.0 |
| Q2 FY2026 | Jun 30, 2026 | 21.0% | −0.2 |
| Q1 FY2026 | Mar 31, 2026 | 18.6% | +2.1 |
| Q4 FY2025 | Dec 31, 2025 | 18.7% | −0.2 |
| Q3 FY2025 | Sep 30, 2025 | 19.6% | +3.5 |
| Q2 FY2025 | Jun 30, 2025 | 21.2% | +5.1 |
| Q1 FY2025 | Mar 31, 2025 | 16.5% | +5.4 |
| Q4 FY2024 | Dec 31, 2024 | 18.8% | +2.9 |
| Q3 FY2024 | Sep 30, 2024 | 16.1% | −2.8 |
| Q2 FY2024 | Jun 30, 2024 | 16.1% | −3.4 |
| Q1 FY2024 | Mar 31, 2024 | 11.1% | −8.7 |
| Q4 FY2023 | Dec 31, 2023 | 16.0% | −12.1 |
| Q3 FY2023 | Sep 30, 2023 | 18.9% | −2.4 |
| Q2 FY2023 | Jun 30, 2023 | 19.5% | −4.3 |
| Q1 FY2023 | Mar 31, 2023 | 19.8% | −0.9 |
| Q4 FY2022 | Dec 31, 2022 | 28.1% | +9.9 |
| Q3 FY2022 | Sep 30, 2022 | 21.2% | −1.7 |
| Q2 FY2022 | Jun 30, 2022 | 23.8% | +0.7 |
| Q1 FY2022 | Mar 31, 2022 | 20.7% | +0.4 |
| Q4 FY2021 | Dec 31, 2021 | 18.2% | −1.3 |
| Q3 FY2021 | Sep 30, 2021 | 23.0% | +5.0 |
| Q2 FY2021 | Jun 30, 2021 | 23.2% | +11.5 |
| Q1 FY2021 | Mar 31, 2021 | 20.3% | +7.2 |
| Q4 FY2020 | Dec 31, 2020 | 19.5% | −5.9 |
| Q3 FY2020 | Sep 30, 2020 | 18.0% | +2.8 |
| Q2 FY2020 | Jun 30, 2020 | 11.7% | −6.3 |
| Q1 FY2020 | Mar 31, 2020 | 13.1% | +0.5 |
| Q4 FY2019 | Dec 31, 2019 | 25.5% | +12.1 |
| Q3 FY2019 | Sep 30, 2019 | 15.1% | −1.7 |
| Q2 FY2019 | Jun 30, 2019 | 18.0% | +1.0 |
| Q1 FY2019 | Mar 31, 2019 | 12.5% | −0.8 |
| Q4 FY2018 | Dec 31, 2018 | 13.4% | +24.8 |
| Q3 FY2018 | Sep 30, 2018 | 16.8% | +6.6 |
| Q2 FY2018 | Jun 30, 2018 | 17.0% | +3.1 |
| Q1 FY2018 | Mar 31, 2018 | 13.3% | +3.7 |
| Q4 FY2017 | Dec 31, 2017 | -11.4% | −22.0 |
| Q3 FY2017 | Sep 30, 2017 | 10.2% | – |
| Q2 FY2017 | Jun 30, 2017 | 13.9% | – |
| Q1 FY2017 | Mar 31, 2017 | 9.7% | – |
| Q4 FY2016 | Dec 31, 2016 | 10.7% | – |
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