Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $115M | $117M | $119M | $112M | $138M | $135M | $123M | $127M | $127M | $141M |
| Revenue growth | — | 1.2% | 1.8% | -5.9% | 23.5% | -2.1% | -9.3% | 3.8% | -0.0% | 10.6% |
| Net income | $13.5M | $6.57M | $18.0M | $18.9M | $22.1M | $28.7M | $29.2M | $23.6M | $19.8M | $26.8M |
| Net margin | 11.7% | 5.6% | 15.2% | 16.9% | 16.0% | 21.2% | 23.8% | 18.5% | 15.6% | 19.1% |
| EPS (diluted) | $3.89 | $1.88 | $5.15 | $5.47 | $6.06 | $7.95 | $8.29 | $6.92 | $6.01 | $8.29 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $27.0M | $25.8M | $47.6M | -$14.6M | -$80.4M | $157M | $90.6M | $38.8M | $36.8M | $24.5M |
| Capital expenditures | $2.71M | $4.18M | $3.37M | $2.71M | $10.2M | $4.79M | $3.39M | $1.46M | $3.49M | $2.33M |
| Free cash flow | $24.3M | $21.6M | $44.2M | -$17.3M | -$90.6M | $153M | $87.2M | $37.4M | $33.3M | $22.2M |
| Share buybacks | $414K | $560K | $1.54M | $4.92M | $1.06M | $8.23M | $5.37M | $7.76M | $8.76M | $943K |
| Dividends paid | $4.46M | $4.64M | $4.93M | $5.13M | $5.55M | $5.67M | $5.76M | $5.99M | $5.78M | $5.95M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | — | — | $115M | $165M | $86.7M | $268M | $26.7M | $75.2M | $65.6M | $79.1M |
| Total assets | $1.45B | $1.51B | $1.52B | $1.66B | $2.09B | $2.26B | $2.33B | $2.44B | $2.56B | $2.77B |
| Total liabilities | $1.31B | $1.37B | $1.37B | $1.49B | $1.89B | $2.05B | $2.14B | $2.22B | $2.34B | $2.51B |
| Shareholders' equity | $139M | $142M | $152M | $165M | $194M | $210M | $196M | $217M | $226M | $262M |
| Retained earnings | $125M | $127M | $141M | $154M | $171M | $194M | $217M | $234M | $248M | $269M |
| Shares (wtd avg diluted) | 3.46M | 3.49M | 3.50M | 3.45M | 3.65M | 3.60M | 3.52M | 3.41M | 3.30M | 3.24M |
Every figure is extracted from C & F FINANCIAL CORP’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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