C and F Financial (CFFI) Annual Income Statement

Annual · GAAP · USD millions
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Quarterly income statement trends provide context on C and F Financial's margins, operating leverage, and earnings trajectory.
Annual Report, GAAP in USD millions
ITEM
(Dec 31 2025)
2025
(Dec 31 2024) (Dec 31 2023) (Dec 31 2022) (Dec 31 2021)
Revenues
Interest and Fee Income, Loans and Leases135.62
Interest and Dividend Income, Securities, Operating1.11
Other Interest and Dividend Income1.46
Other Income13.31
Total Interest Income151.50
Interest Expense, Deposits31.09
Interest Expense, Borrowings4.40
Interest Expense, Trust Preferred Securities1.43
Total Interest Expense45.29
Net Interest Income106.21
Provision for loan losses11.55
Total Net Interest Income94.66
Fees and Commissions, Mortgage Banking and Servicing2.93
Loss / Gain on Investment7.98
Other Non-Interest Income23.73
Total Non-interest Income34.63
Total Revenues129.29
Costs & Expenses
Salaries & employee benefits, SGA59.14
Communications, Occupancy and Information Technology8.80
Professional Fees and Commission3.70
Other Noninterest Expense7.76
Other loss /-income16.82
Total Operating Expenses96.22
Total Costs & Expenses133.14
Income & Taxes
Income /-loss before income taxes33.07
Income taxes expenses/-benefit6.08
Income after income taxes26.99
Net income/-loss of other equity0.00
Income /-loss after income taxes26.99
Stockholders Equity Attributable to Noncontrolling Interest0.16
Net Income/-loss26.99
Non-controlling interests0.16
Income/-loss to shareholder26.84
Earnings Per Share
Basic EPS (excl. extra items)8.29
Basic Net EPS8.29
Basic shares outstanding (Mill. of Units)3.24
Diluted Net EPS8.29
Diluted average shares (Mill. of Units)3.24
Dividend per share1.84
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About C and F Financial Corp Annual Income Statement

What this statement shows

This page presents issuer-reported income statement data, detailing revenue, operating costs, expenses, and earnings as disclosed in SEC 10-K filings and standardized by CSIMarket. The income statement reflects operating performance over a reporting period rather than financial position at a single date.

Revenue and expense treatment

Revenue and expense items are aligned to support period-to-period comparability. Operating and non-operating items, interest, and income taxes are classified based on issuer disclosures and XBRL tagging.

Source & verification

Income statement figures represent operating results for each reporting period and may be revised in subsequent filings.