C & F FINANCIAL CORPORATION
Income Statement
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $140.8M | $127.3M | $127.3M | $122.7M | $135.2M | $138.1M | $111.9M | $118.9M |
| Cost of Revenue | — | — | — | — | — | — | — | — |
| Gross Profit | — | — | — | — | — | — | — | — |
| Gross Margin | — | — | — | — | — | — | — | — |
| Operating Expenses | ||||||||
| Research & Development | — | — | — | — | — | — | — | — |
| SG&A Expense | — | — | — | — | — | — | — | — |
| Operating Income | $33.1M | $24.1M | $55.6M | $44.9M | $46.4M | $42.6M | $38.5M | $33.6M |
| Operating Margin | 23.5% | 19.0% | 43.7% | 36.6% | 34.3% | 30.8% | 34.4% | 28.2% |
| Interest Expense | — | — | $26.4M | $7.9M | $8.4M | $13.4M | $14.6M | $11.0M |
| Pretax Income | $33.1M | $24.1M | $29.2M | $37.0M | $38.1M | $29.2M | $23.9M | $22.5M |
| Income Tax Expense | $6.1M | $4.2M | $5.4M | $7.6M | $9.0M | $6.8M | $5.1M | $4.5M |
| Net Income | $26.8M | $19.8M | $23.6M | $29.2M | $28.7M | $22.1M | $18.9M | $18.0M |
| Net Margin | 19.1% | 15.6% | 18.5% | 23.8% | 21.2% | 16.0% | 16.9% | 15.2% |
| EPS (Basic) | $8.29 | $6.01 | $6.92 | $8.29 | $7.95 | $6.06 | $5.47 | $5.15 |
| EPS (Diluted) | $8.29 | $6.01 | $6.92 | $8.29 | $7.95 | $6.06 | $5.47 | $5.15 |
| Shares Outstanding (Basic) | 3.2M | 3.3M | 3.4M | 3.5M | 3.6M | 3.6M | 3.5M | 3.5M |
| Shares Outstanding (Diluted) | 3.2M | 3.3M | 3.4M | 3.5M | 3.6M | 3.6M | 3.5M | 3.5M |
| Dividends Per Share | $1.84 | $1.76 | $1.76 | $1.64 | $1.58 | $1.52 | $1.49 | $1.41 |