The Tip Desk

C & F FINANCIAL CORP

Company Stats

Market Cap
$318.6M
as of Sep 30, 2026
Shares Outstanding
3.3M
Free Float
93.6%

Income Statement

Revenue
$140.8M
Net Income
$26.8M
Revenue Growth, 3Y
4.7%
FCF Margin, 3Y Avg
23.7%
FCF Margin, Worst Year
15.7%

Cash Flow

Free Cash Flow
$22.2M
FCF Yield
7.0%
Owner FCF Yield
6.4%

Returns & Capital

Dividends Paid
$6.0M
Dividend Yield
1.9%
Dividend Payout, 3Y Avg
25.6%
Share Repurchases
$943,000
Buyback Yield, 3Y Avg
1.8%
SBC, 3Y Avg
$1.9M

Cash Flow by Year

YearRevenueFCFMargin
FY2025$140.8M$22.2M15.7%
FY2024$127.3M$33.3M26.1%
FY2023$127.3M$37.4M29.3%
FY2022$122.7M$87.2M71.1%
FY2021$135.2M$152.6M112.9%

Annual filing data through FY ended December 31, 2025; shares and float as of October 25, 2026. Yields and enterprise value use the calculated market cap above, at its as-of date. Ratios are our calculations from reported figures.

Earnings

Other Coverage