C & F FINANCIAL CORPORATION (CFFI)

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C & F FINANCIAL CORPORATION

CFFI • CIK 0000913341

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Interest and Fee Income, Loans and Leases	$110,938	$127,089	$135,623	$139,930
Interest Income, Deposits with Financial Institutions	—	—	$2,498	$2,705
Interest Income (Expense), Net	$97,707	$96,775	$106,210	$111,491
Interest Income (Expense), after Provision for Loan Loss	$89,432	$83,525	$94,660	$98,791
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest	$29,164	$24,133	$33,071	$36,134
Income Tax Expense (Benefit)	$5,418	$4,215	$6,080	$6,885
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest	$23,746	$19,918	$26,991	$29,249
Net Income (Loss) Attributable to Noncontrolling Interest	$142	$84	$156	$163
Net Income (Loss) Attributable to Parent	$23,604	$19,834	$26,835	$29,086
Interest Expense, NOW Accounts, Money Market Accounts, and Savings Deposits	$5,275	$6,594	$8,365	$9,057
Interest Expense, Time Deposits	$15,112	$31,465	$31,093	$30,694
Interest Expense, Borrowings	$4,850	$3,429	$4,402	$4,779
Interest Expense, Trust Preferred Securities	$1,193	$1,331	$1,429	$1,431
InterestExpenseOperating	—	$42,819	$45,289	$46,110
Interest Income, Securities, US Treasury and Other US Government	$3,491	$1,682	$1,110	$983
Interest Income, Securities, Mortgage Backed	$3,669	$3,909	$6,139	$6,974
Other Interest and Dividend Income	$1,224	$1,233	$1,456	$1,963
Interest and Dividend Income, Operating	$124,137	$139,594	$151,499	$157,601
Gain (Loss) on Sales of Loans, Net	$5,780	$6,064	$7,979	$8,655
Fees and Commissions, Mortgage Banking and Servicing	$2,110	$2,286	$2,925	$3,302
Debt Securities, Available-for-sale, Realized Gain (Loss)	$-5	$-5	$-5	—
Noninterest Income	$29,615	$30,538	$34,631	$37,536
Labor and Related Expense	$54,876	$53,578	$56,776	$59,305
Occupancy, Net	$7,993	$8,397	$8,802	$9,127
Information Technology and Data Processing	$10,874	$11,314	$11,962	$12,685
Professional Fees	$2,752	$3,611	$3,699	$3,637
General Insurance Expense	$1,659	$1,832	$1,721	$1,684
Marketing and Advertising Expense	$1,548	$1,213	$2,363	$2,471
Loan Processing Fee	$1,048	$2,661	$3,137	$3,500
Other Noninterest Expense	$9,133	$7,324	$7,760	$7,784
Noninterest Expense	$89,883	$89,930	$96,220	$100,193

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Cash and Due from Banks	$16,382	$16,163	$13,622	$19,371
Interest-bearing Deposits in Banks and Other Financial Institutions	$58,777	$49,423	$65,510	$42,739
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$75,159	$65,586	$79,132	$62,110
DebtSecuritiesAvailableForSaleExcludingAccruedInterest	$462,444	$418,625	$458,111	$458,252
Financing Receivable, Held-for-Sale, Not Part of Disposal Group, after Valuation Allowance	$14,176	$20,112	$40,911	$44,066
Liabilities and Equity	$2,438,498	$2,563,374	$2,768,494	$2,809,968
FinancingReceivableExcludingAccruedInterestAfterAllowanceForCreditLoss	$1,702,488	$1,880,311	$2,014,899	$2,073,114
Property, Plant and Equipment, Net	$41,914	$40,118	$39,200	$40,329
Other Real Estate	—	$1,316	$1,316	$1,316
Interest Receivable	$10,398	$10,592	$11,726	$11,769
Goodwill	$25,191	$25,191	$25,191	$25,191
Finite-Lived Intangible Assets, Net	$1,407	$1,147	$909	$859
Bank Owned Life Insurance	$21,464	$21,191	$21,808	$22,032
Deferred Income Tax Assets, Net	$18,731	$17,719	$14,039	$13,046
Other Assets	$62,201	$57,874	$57,572	$55,141
Short-term Debt	$58,223	$28,994	$20,000	$20,000
Junior Subordinated Debenture Owed to Unconsolidated Subsidiary Trust	$25,422	$25,457	$25,493	$25,510
Interest Payable	$3,493	$4,403	$3,745	$3,948
Other Liabilities	$41,820	$38,532	$43,343	$44,096
Liabilities	$2,220,982	$2,336,404	$2,506,146	$2,531,576
Common Stock, Value, Issued	$3,238	$3,114	$3,145	$3,151
Additional Paid in Capital	$6,567	$36	$1,078	$1,237
Retained Earnings (Accumulated Deficit)	$233,760	$247,814	$268,696	$280,884
Accumulated Other Comprehensive Income (Loss), Net of Tax	$-26,687	$-24,604	$-11,166	$-7,487
Stockholders' Equity Attributable to Parent	$216,878	$226,360	$261,753	$277,785
Stockholders' Equity Attributable to Noncontrolling Interest	$638	$610	$595	$607
Stockholders' Equity, Including Portion Attributable to Noncontrolling Interest	$217,516	$226,970	$262,348	$278,392
Noninterest-bearing Deposit Liabilities, Domestic	$549,367	$526,069	$543,673	$561,160
Interest-bearing Deposit Liabilities, Domestic	$843,564	$826,462	$905,683	$884,584
Time Deposits	$673,199	$818,329	$896,367	$919,614
Deposits	$2,066,130	$2,170,860	$2,345,723	$2,365,358
DebtSecuritiesAvailableForSaleAmortizedCostExcludingAccruedInterestAfterAllowanceForCreditLoss	$494,092	$448,616	$471,036	$466,683
FinancingReceivableAllowanceForCreditLossExcludingAccruedInterest	$39,651	$40,087	$39,677	$39,675
Real Estate Owned, Valuation Allowance	$207	$215	$215	$0
Common Stock, Shares Authorized	8,000,000	8,000,000	8,000,000	8,000,000
Common Stock, Shares, Issued	3,374,098	3,233,672	3,245,972	3,250,307
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Nonvested, Number	135,694	119,778	100,578	98,973

(in thousands, except per share data)	FY 2023	FY 2024	FY 2025	TTM
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest	$23,746	$19,918	$26,991	$29,249
Net Cash Provided by (Used in) Operating Activities	$38,811	$38,488	$24,490	$42,789
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents, Period Increase (Decrease), Excluding Exchange Rate Effect	$48,498	$-9,573	$13,546	$-18,085
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents	$75,159	$65,586	$79,132	$80,601
Proceeds from Sale and Maturity of Debt Securities, Available-for-sale	$100,812	$100,601	$65,618	$135,504
Payments to Acquire Debt Securities, Available-for-sale	$39,275	$56,395	$87,652	$148,846
Share-based Payment Arrangement, Noncash Expense	$1,994	$1,923	$1,847	$1,992
Depreciation, Depletion and Amortization, Nonproduction	$3,879	$3,857	$3,923	$3,829
Proceeds from Collection of Loans Receivable	$158,761	$158,961	$165,075	$172,433
Accretion (Amortization) of Discounts and Premiums, Investments	$-1,493	$-1,270	$387	$768
Payments to Acquire Loans Receivable	$162,454	$169,848	$174,567	$179,722
Payments to Acquire Property, Plant, and Equipment	$1,459	$3,486	$2,329	$4,226
Bank Owned Life Insurance Income	$388	$849	$576	$556
Payments for (Proceeds from) Other Investing Activities	$1,832	$-71	$51	$-1,543
Defined Benefit Plan, Net Periodic Benefit Cost (Credit)	$925	$882	$719	$636
Net Cash Provided by (Used in) Investing Activities	$-56,339	$-148,640	$-169,355	$-134,114
Pension Expense (Reversal of Expense), Noncash	$-2,000	$-1,000	$-1,000	$-1,000
Proceeds from Sale of Loans Held-for-sale	$504,716	$527,628	$666,740	$772,566
Payments for Origination and Purchases of Loans Held-for-sale	$498,134	$528,608	$677,719	$766,059
Other Noncash Income (Expense)	$44	$126	$303	$350
Increase (Decrease) in Time Deposits	$291,904	$145,130	$78,038	$76,672
Proceeds from Issuance of Long-term Debt	—	$40,000	$40,000	$3,000
Repayments of Long-term Debt	$4,000	$4,000	$20,000	$10,000
Payments for Repurchase of Common Stock	$7,758	$8,761	$943	$1,488
Payments of Dividends	$5,986	$5,780	$5,953	$6,098
Proceeds from (Payments for) Other Financing Activities	$-132	$-382	$-562	$-576
Net Cash Provided by (Used in) Financing Activities	$66,026	$100,579	$158,411	$73,240
Interest Paid, Excluding Capitalized Interest, Operating Activities	$23,859	$41,874	$45,912	$46,199
Income Taxes Paid	$6,073	$523	$5,611	$5,691
Increase (Decrease) in Accrued Interest Receivable, Net	$1,416	$194	$1,134	$835
Increase (Decrease) in Other Operating Assets	$1,641	$-7,676	$-2,299	$-86
Increase (Decrease) in Interest Payable, Net	$2,543	$910	$-658	$-124
Increase (Decrease) in Other Operating Liabilities	$-685	$-1,387	$551	$1,522

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Import this data to Google Sheets with:

=jivedata("CFFI","financials")

Full statements spill as a table. For one cell: =jivedata("CFFI","Revenue") or =jivedata("CFFI","Revenue","TTM"). Install the Jive Data add-on, then paste into a cell.