Financial insights of CFFI

MyFinsight

For the quarter ending 2026-03-31.

Income Overview

Net Income
$6,747K
EPS
$2.08
Unit: Thousand (K) dollars

Income Statement	2026-03-31	2025-12-31	2025-09-30	2025-06-30
Interest and fees on loans	34,715	33,025*	34,683	33,716
Interest on interest-bearing deposits in other banks	651	800*	719	413
U.s. treasury, government agencies and corporations	259	284*	273	278
Mortgage-backed securities	1,660	1,425*	1,610	1,533
Tax-exempt obligations of states and political subdivisions	1,094	989*	990	953
Taxable obligations of states and political subdivisions	194	196*	186	197
Corporate and other	573	498*	322	317
Total interest income	39,146	37,214*	38,783	37,407
Savings and interest-bearing deposits	2,263	2,017*	2,226	2,006
Time deposits	7,586	8,185*	7,725	7,547
Borrowings	1,236	976*	1,296	988
Trust preferred capital notes	352	349*	362	358
Total interest expense	11,437	11,527*	11,609	10,899
Net interest income	27,709	25,687*	27,174	26,508
Provision for loans	3,450	4,100*	-	-
Provision for unfunded commitments	150	-50*	-	-
Provision for credit losses	3,600	4,050*	2,900	2,100
Net interest income after provision for credit losses	24,109	21,637*	24,274	24,408
Gains on sales of loans	2,545	1,448*	1,896	2,458
Interchange income	1,577	1,440*	1,610	1,621
Service charges on deposit accounts	1,020	1,007*	1,049	1,022
Investment income from other equity interests	372	255*	197	127
Mortgage banking fee income	850	491*	735	888
Wealth management services income, net	808	777*	795	756
Mortgage lender services income	820	555*	768	762
Other service charges and fees	504	467*	520	551
Other income, net	54	156*	1,274	1,663
Total noninterest income	8,550	6,593*	8,844	9,848
Salaries and employee benefits	14,357	12,877*	14,420	14,846
Occupancy	2,215	2,286*	2,245	2,099
Data processing	3,175	2,940*	3,026	2,989
Professional fees	917	846*	901	1,001
Insurance expense	430	499*	399	416
Marketing and advertising expenses	547	550*	660	549
Loan processing and collection expenses	873	773*	831	745
Other	1,801	2,071*	1,808	1,985
Total noninterest expenses	24,315	22,840*	24,290	24,630
Income before income taxes	8,344	5,390*	8,828	9,626
Income tax expense	1,550	719*	1,715	1,859
Net income	6,794	4,671*	7,113	7,767
Less net income attributable to noncontrolling interest	47	-15*	38	76
Net income attributable to c&f financial corporation	6,747	4,686	7,075	7,691

Basic EPS	2.08	1.448	2.18	2.37
Diluted EPS	2.08	1.448	2.18	2.37
Basic Average Shares	3,248,485	3,235,801	3,238,057	3,238,765
Diluted Average Shares	3,248,485	3,235,801	3,238,057	3,238,765

Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.

MyFinsight

Income Overview

Net Income
$6,747K
EPS
$2.08
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income
$6,747K
EPS
$2.08
Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

DownloadDownload image

Income Overview

Net Income$6,747KEPS$2.08Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Income Overview

Net Income$6,747KEPS$2.08Unit: Thousand (K) dollars

Time Plot

Show the time plot by selecting a row from the table.

Income Statement

Net Income
$6,747K
EPS
$2.08
Unit: Thousand (K) dollars

Net Income
$6,747K
EPS
$2.08
Unit: Thousand (K) dollars