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CFFI · Nasdaq · United States · State Commercial Banks
In shortC & F FINANCIAL CORP is profitable.
Financial health
Solid
Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.
| Operating marginShare of each sale left after running the business, before interest and tax. | – | n/a |
|---|---|---|
| Net marginShare of each sale left as profit after every cost, interest and tax. | 19.1% | 96/100 |
| Return on equityProfit earned on the money shareholders put in. Above 15% is strong. | 11.0% | 55/100 |
Weight in the score: 25%
| Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt. | 15.7% | n/a |
|---|---|---|
| Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy. | 0.83× | n/a |
| Years with positive free cash flow (last 5) | 5 of 5 | n/a |
Weight in the score: 20%
| Profitable years (last 5) | 5 of 5 | 100/100 |
|---|---|---|
| Years of revenue decline (last 5) | 3 of 5 | 0/100 |
| Revenue growth volatility | 7.3% | 84/100 |
| Operating margin volatility | – | n/a |
Weight in the score: 20%
| Revenue growth, 3-year average | 4.7% | 43/100 |
|---|---|---|
| EPS growth, 3-year average | 0.0% | 25/100 |
Weight in the score: 10%
Fiscal year 2025 · change vs prior year
Annual figures as reported. Hover a bar or point for the exact value.
5 older years available with the 10-year history. Essential plan, from €8.25/month →
The last 5 fiscal years from the company's annual reports.
USD millions; negative values in parentheses.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Revenue | 135 | 123 | 127 | 127 | 141 |
| Interest expense | 8.4 | 7.9 | 26 | – | – |
| Pre-tax income | 38 | 37 | 29 | 24 | 33 |
| Income tax | 9 | 7.6 | 5.4 | 4.2 | 6.1 |
| Net income | 29 | 29 | 24 | 20 | 27 |
| Diluted EPS | $7.95 | $8.29 | $6.92 | $6.01 | $8.29 |
| Diluted shares (millions) | 3.6 | 3.5 | 3.4 | 3.3 | 3.2 |
5 older years available with the 10-year history. Essential plan, from €8.25/month →
Not computed: the model does not apply to banks and insurers.
6/9
Nine yes-or-no tests on profitability, debt, liquidity and efficiency versus the prior year. 7 to 9 is strong, 0 to 3 is weak.
All figures: SEC EDGAR. Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works
Latest annual report: Jun 30, 2026 · Data updated Aug 10, 2026