For the year ending 2025-12-31, CFFI had $13,546K increase in cash & cash equivalents over the period. $22,161K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 26,991 |
| Provision for loans | 11,750 |
| Provision for unfunded commitments | -200 |
| Provision for credit losses | 11,550 |
| Accretion of certain acquisition-related discounts, net | 338 |
| Share-based compensation | 1,847 |
| Depreciation and amortization | 3,923 |
| Amortization of premiums and accretion of discounts on securities, net | 387 |
| Deferred income taxes | 154 |
| Reversal of provision for indemnifications | -190 |
| Income from bank-owned life insurance | 576 |
| Pension expense | 719 |
| Pension contribution | -1,000 |
| Proceeds from sales of loans held for sale | 666,740 |
| Origination of loans held for sale | 677,719 |
| Gains on sales of loans held for sale | 7,979 |
| Other gains, net | 303 |
| Accrued interest receivable | 1,134 |
| Other assets | -2,299 |
| Accrued interest payable | -658 |
| Other liabilities | 551 |
| Net cash provided by operating activities | 24,490 |
| Proceeds from sales, maturities and calls of securities available for sale and payments on mortgage-backed securities | 65,618 |
| Purchases of securities available for sale | 87,652 |
| Proceeds from (purchases of) time deposits, net | 484 |
| Repayments on loans held for investment by non-bank affiliates | 165,075 |
| Purchases of loans held for investment by non-bank affiliates | 174,567 |
| Net increase in community banking loans held for investment | 135,933 |
| Purchases of corporate premises and equipment | 2,329 |
| Other investing activities, net | 51 |
| Net cash used in investing activities | -169,355 |
| Net increase (decrease) in demand, savings and money market deposits | 96,825 |
| Net increase in time deposits | 78,038 |
| Net (decrease) increase in repurchase agreements and other short-term borrowings | -28,994 |
| Proceeds from long-term borrowings | 40,000 |
| Repayments of long-term borrowings | 20,000 |
| Repurchases of common stock | 943 |
| Cash dividends paid | 5,953 |
| Other financing activities, net | -562 |
| Net cash provided by financing activities | 158,411 |
| Net increase (decrease) in cash and cash equivalents | 13,546 |
| Cash and cash equivalents at beginning of period | 65,586 |
| Cash and cash equivalents at end of period | 79,132 |
C & F FINANCIAL CORP (CFFI)
C & F FINANCIAL CORP (CFFI)