C & F FINANCIAL CORPORATION

CFFI ·Financial, Banks - Regional, United States
Financial Statements Income Statement
Annual Quarterly

Income Statement

Line Item FY2017 FY2016 FY2015 FY2014 FY2013 FY2012 FY2011 FY2010
Revenue $116.8M $115.5M $107.8M $105.9M $101.9M $97.6M $100.8M $99.5M
Cost of Revenue
Gross Profit
Gross Margin
Operating Expenses
Research & Development
SG&A Expense
Operating Income $27.6M $26.9M $26.1M $26.0M $30.2M $34.1M $30.6M $24.3M
Operating Margin 23.6% 23.3% 24.2% 24.6% 29.6% 35.0% 30.3% 24.4%
Interest Expense $9.6M $9.0M $8.7M $8.5M $8.6M $10.1M $11.9M $13.2M
Pretax Income $18.0M $17.9M $17.4M $17.5M $21.6M $24.0M $18.7M $11.1M
Income Tax Expense $11.4M $4.5M $4.9M $5.1M $7.1M $7.6M $5.7M $2.9M
Net Income $6.6M $13.5M $12.5M $12.3M $14.4M $16.4M $13.0M $8.1M
Net Margin 5.6% 11.7% 11.6% 11.7% 14.2% 16.8% 12.9% 8.1%
EPS (Basic) $1.89 $3.90 $3.68 $3.63 $4.37 $5.00 $3.76 $2.26
EPS (Diluted) $1.88 $3.89 $3.68 $3.59 $4.19 $4.86 $3.72 $2.24
Shares Outstanding (Basic) 3.5M 3.5M 3.4M 3.4M 3.3M 3.2M 3.1M 3.1M
Shares Outstanding (Diluted) 3.5M 3.5M 3.4M 3.4M 3.4M 3.3M 3.2M 3.1M
Dividends Per Share $1.33 $1.29 $1.22 $1.19 $1.16 $1.08 $1.01 $1.00
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