For the quarter ending 2025-09-30, CFFI had $15,896K increase in cash & cash equivalents over the period. $22,698K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 7,113 | 13,162 |
| Provision for loans | 3,000 | - |
| Provision for unfunded commitments | -100 | - |
| Provision for credit losses | 2,900 | 5,100 |
| Accretion of certain acquisition-related discounts, net | 79 | 199 |
| Share-based compensation | 444 | 916 |
| Depreciation and amortization | 968 | 1,984 |
| Amortization of premiums and accretion of discounts on securities, net | 157 | 88 |
| Reversal of provision for indemnifications | -75 | -60 |
| Income from bank-owned life insurance | 111 | 212 |
| Pension expense | 180 | 359 |
| Proceeds from sales of loans held for sale | 180,150 | 306,756 |
| Origination of loans held for sale | 165,347 | 326,348 |
| Gains on sales of loans held for sale | 1,896 | 4,305 |
| Other gains, net | 183 | -48 |
| Accrued interest receivable | 31 | 342 |
| Other assets | 1,412 | -2,308 |
| Accrued interest payable | 742 | -331 |
| Other liabilities | 232 | 75 |
| Net cash provided by operating activities | 23,438 | -1,177 |
| Proceeds from sales, maturities and calls of securities available for sale and payments on mortgage-backed securities | 19,234 | 31,333 |
| Purchases of securities available for sale | 14,776 | 42,331 |
| (purchases of) proceeds from time deposits, net | -10 | - |
| Repayments on loans held for investment by non-bank affiliates | 41,718 | 82,921 |
| Purchases of loans held for investment by non-bank affiliates | 46,623 | 83,286 |
| Net increase in community banking loans held for investment | 14,640 | 76,490 |
| Purchases of corporate premises and equipment | 740 | 833 |
| Purchases of time deposits, net | - | -254 |
| Other investing activities, net | -600 | 672 |
| Net cash used in investing activities | -14,983 | -89,612 |
| Net increase (decrease) in demand and savings deposits | 14,908 | 60,841 |
| Net increase in time deposits | 26,813 | 24,613 |
| Net decrease in repurchase agreements | -28,994 | - |
| Proceeds from long-term borrowings | -12,000 | 52,000 |
| Repayments of long-term borrowings | 0 | 20,000 |
| Repurchases of common stock | 0 | 436 |
| Net decrease in short-term borrowings | - | -8,352 |
| Cash dividends paid | 1,489 | 2,977 |
| Other financing activities, net | -149 | -291 |
| Net cash provided by financing activities | 7,441 | 105,398 |
| Net increase (decrease) in cash and cash equivalents | 15,896 | 14,609 |
| Cash and cash equivalents at beginning of period | 65,586 | - |
| Cash and cash equivalents at end of period | 96,091 | - |
C & F FINANCIAL CORP (CFFI)
C & F FINANCIAL CORP (CFFI)