For the quarter ending 2026-03-31, CFFI had -$1,705K decrease in cash & cash equivalents over the period. -$7,894K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 6,794 | 6,716 | 7,113 | 13,162 |
| Provision for loans | 3,450 | 3,600 | 3,000 | - |
| Provision for unfunded commitments | 150 | -50 | -100 | - |
| Provision for credit losses | 3,600 | 3,550 | 2,900 | 5,100 |
| Accretion of certain acquisition-related discounts, net | 54 | 60 | 79 | 199 |
| Share-based compensation | 514 | 487 | 444 | 916 |
| Depreciation and amortization | 940 | 971 | 968 | 1,984 |
| (accretion of discounts) and amortization of premiums on securities, net | 162 | 142 | 157 | 88 |
| Deferred income taxes | -4 | 154 | - | - |
| Reversal of provision for indemnifications | -35 | -55 | -75 | -60 |
| Income from bank-owned life insurance | 81 | 253 | 111 | 212 |
| Pension expense | 154 | 180 | 180 | 359 |
| Pension contribution | - | -1,000 | - | - |
| Proceeds from sales of loans held for sale | 164,123 | 179,834 | 180,150 | 306,756 |
| Origination of loans held for sale | 180,601 | 186,024 | 165,347 | 326,348 |
| Gains on sales of loans held for sale | 2,545 | 1,778 | 1,896 | 4,305 |
| Other gains, net | 42 | 168 | 183 | -48 |
| Accrued interest receivable | 26 | 761 | 31 | 342 |
| Other assets | -626 | -1,403 | 1,412 | -2,308 |
| Accrued interest payable | 897 | -1,069 | 742 | -331 |
| Other liabilities | -1,670 | 244 | 232 | 75 |
| Net cash (used by) provided by operating activities | -7,572 | 2,229 | 23,438 | -1,177 |
| Proceeds from sales, maturities and calls of securities available for sale and payments on mortgage-backed securities | 14,590 | 15,051 | 19,234 | 31,333 |
| Purchases of securities available for sale | 28,782 | 30,545 | 14,776 | 42,331 |
| Purchases of time deposits, net | -991 | 494 | -10 | - |
| Repayments on loans held for investment by non-bank affiliates | 44,182 | 40,436 | 41,718 | 82,921 |
| Purchases of loans held for investment by non-bank affiliates | 43,953 | 44,658 | 46,623 | 83,286 |
| Net increase in community banking loans held for investment | 21,941 | 44,803 | 14,640 | 76,490 |
| Purchases of corporate premises and equipment | 322 | 756 | 740 | 833 |
| Purchases of time deposits, net | - | - | - | -254 |
| Other investing activities, net | -1,634 | -21 | -600 | 672 |
| Net cash used in investing activities | -35,583 | -64,760 | -14,983 | -89,612 |
| Net increase (decrease) in demand, savings and money market deposits | 26,796 | 21,076 | 14,908 | 60,841 |
| Net increase in time deposits | 26,937 | 26,612 | 26,813 | 24,613 |
| Net decrease in repurchase agreements | - | - | -28,994 | - |
| Net (decrease) increase in repurchase agreements and other short-term borrowings | - | -28,994 | - | - |
| Proceeds from long-term borrowings | - | 0 | -12,000 | 52,000 |
| Repayments of long-term borrowings | - | 0 | 0 | 20,000 |
| Net decrease in repurchase agreements and borrowings | -10,000 | - | - | - |
| Repurchases of common stock | 614 | 507 | 0 | 436 |
| Net decrease in short-term borrowings | - | - | - | -8,352 |
| Cash dividends paid | 1,560 | 1,487 | 1,489 | 2,977 |
| Other financing activities, net | -109 | -122 | -149 | -291 |
| Net cash provided by financing activities | 41,450 | 45,572 | 7,441 | 105,398 |
| Net (decrease) increase in cash and cash equivalents | -1,705 | -16,959 | 15,896 | 14,609 |
| Cash and cash equivalents at beginning of period | 79,132 | 96,091 | 65,586 | - |
| Cash and cash equivalents at end of period | 77,427 | 79,132 | 96,091 | - |
C & F FINANCIAL CORP (CFFI)
C & F FINANCIAL CORP (CFFI)