← C & F FINANCIAL CORP
| Annual Trend | FY 2016 | FY 2017 | FY 2018 | FY 2019 | FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | TTM | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash flows from operating activities: | ||||||||||||
| Adjustments to reconcile net income to net cash provided by operating activities: | ||||||||||||
| Net Income (Loss) Attributable to Parent | $13.5m |
$6.6m
-51.17%
|
$18.0m
+174.19%
|
$18.9m
+4.66%
|
$22.1m
+17.28%
|
$28.7m
+29.62%
|
$29.2m
+1.72%
|
$23.6m
-19.05%
|
$19.8m
-15.97%
|
$26.8m
+35.30%
|
— | |
| Net Income (Loss), Including Portion Attributable to Noncontrolling Interest | — | — | — | $18.9m | $22.4m | $29.1m | $29.4m | $23.7m | $19.9m | $27.0m | — | |
| Net Income (Loss) Attributable to Noncontrolling Interest | — | — | — | ($9k) | $307k | $456k | $210k | $142k | $84k | $156k | — | |
| Depreciation and amortization | — | — | — | $3.9m | $4.2m | $4.7m | $4.4m | $3.9m | $3.9m | $3.9m | $3.9m | |
| Amortization of Intangible Assets | $741k | $160k | $451k | $230k | $332k | $314k | $298k | $272k | $260k | $238k | — | |
| Depreciation | $2.6m | $2.7m | $3.2m | — | — | — | — | $3.3m | $3.1m | $3.2m | $3.7m | |
| Depreciation, Nonproduction | $2.6m | $2.7m | $3.2m | $3.6m | — | — | — | — | — | — | $3.9m | |
| Deferred Income Tax Expense (Benefit) | ($23k) | $9.4m | $632k | $354k | ($817k) | ($90k) | $708k | $586k | $474k | $154k | $150k | |
| Share-based Payment Arrangement, Noncash Expense | $1.2m | $1.5m | $1.3m | $1.5m | $1.4m | $1.7m | $2.0m | $2.0m | $1.9m | $1.8m | $1.9m | |
| Goodwill and Intangible Asset Impairment | — | $0 | — | — | — | — | — | — | — | — | — | |
| Changes in operating assets and liabilities: | ||||||||||||
| Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal | — | — | — | — | — | — | — | $8.1m | $13.1m | $11.8m | — | |
| Increase (Decrease) in Other Operating Assets | $3.6m | $6.6m | ($3.5m) | ($137k) | ($6.9m) | ($1.3m) | $2.7m | $1.6m | ($7.7m) | ($2.3m) | — | |
| Increase (Decrease) in Other Operating Liabilities | $5.0m | ($490k) | ($325k) | ($320k) | $1.8m | ($6.1m) | ($4.8m) | ($685k) | ($1.4m) | $551k | — | |
| Net Cash Provided by (Used in) Operating Activities | $27.2m |
$26.6m
-2.40%
|
$47.1m
+77.21%
|
($15.2m)
-132.18%
|
($80.4m)
-430.03%
|
$157.4m
+295.82%
|
$90.6m
-42.46%
|
$38.8m
-57.14%
|
$38.5m
-0.83%
|
$24.5m
-36.37%
|
$34.7m
+41.78%
|
|
| Cash flows from investing activities: | ||||||||||||
| Payments to Acquire Property, Plant, and Equipment | $1.7m | $3.9m | $3.4m | $2.7m | $10.2m | $4.8m | $3.4m | $1.5m | $3.5m | $2.3m | ($3.3m) | |
| Gain (Loss) on Disposition of Property Plant Equipment, Excluding Oil and Gas Property and Timber Property | $246k | $45k | $204k | — | — | — | — | — | — | — | ($6.6m) | |
| Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale | $56.5m | $41.5m | $51.1m | $75.6m | $123.7m | $114.0m | $55.3m | $100.8m | $100.6m | $65.6m | — | |
| Debt Securities, Available-for-sale, Realized Gain (Loss) | — | — | — | — | $38k | $42k | — | ($5k) | — | — | — | |
| Unrealized Gain (Loss) on Investments | — | — | — | — | — | — | $2.9m | $103k | $687k | $622k | — | |
| Payments to Acquire Businesses, Net of Cash Acquired | — | — | — | — | ($19.1m) | — | — | — | — | — | — | |
| Payments for (Proceeds from) Other Investing Activities | — | — | — | $1.3m | ($2.2m) | ($1.1m) | $587k | $1.8m | ($71k) | $51k | — | |
| Net Cash Provided by (Used in) Investing Activities | ($106.2m) | ($60.2m) | ($47.5m) | ($35.9m) | ($183.3m) | ($138.7m) | ($411.3m) | ($56.3m) | ($148.6m) | ($169.4m) | ($166.0m) | |
| Cash flows from financing activities: | ||||||||||||
| Repayments of Long-term Debt | — | — | $2.5m | $7.0m | $121.7m | — | — | $4.0m | — | $20.0m | ($20.0m) | |
| Gain (Loss) on Extinguishment of Debt | — | — | — | — | ($2.2m) | — | — | — | — | — | — | |
| Proceeds from Issuance of Long-term Debt | — | — | — | $7.0m | $19.9m | — | — | — | $40.0m | $40.0m | $52.0m | |
| Payments for Repurchase of Common Stock | $414k | $560k | $1.1m | $4.4m | $1.1m | $8.2m | $5.4m | $7.8m | $8.8m | $943k | — | |
| Proceeds from Issuance of Common Stock | $149k | $147k | $144k | — | — | — | — | — | — | — | — | |
| Dividends paid | $4.5m | $4.6m | $4.9m | $5.1m | $5.5m | $5.7m | $5.8m | $6.0m | $5.8m | $6.0m | ($5.8m) | |
| Payments of Dividends | $4.5m | $4.6m | $4.9m | $5.1m | $5.5m | $5.7m | $5.8m | $6.0m | $5.8m | $6.0m | ($5.8m) | |
| Other Interest and Dividend Income | — | — | — | $207k | $246k | $615k | $927k | $1.2m | $1.2m | $1.5m | — | |
| Proceeds from (Payments for) Other Financing Activities | — | — | ($144k) | ($4k) | ($176k) | ($711k) | ($338k) | ($132k) | ($382k) | ($562k) | — | |
| Net Cash Provided by (Used in) Financing Activities | $29.2m |
$49.8m
+70.60%
|
($4.0m)
-108.05%
|
$101.5m
+2632.13%
|
$184.9m
+82.14%
|
$162.4m
-12.18%
|
$79.6m
-50.96%
|
$66.0m
-17.09%
|
$100.6m
+52.33%
|
$158.4m
+57.50%
|
$166.8m
+5.32%
|
|
| Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents | — | — | — | — | — | $267.7m | $26.7m | $75.2m | $65.6m | $79.1m | $80.2m | |
| Additional Supplementary Disclosures | ||||||||||||
| Additional Supplementary Disclosures | ||||||||||||
| Provision for Loan, Lease, and Other Losses | $18.0m | $16.4m | $11.0m | $8.5m | $11.1m | $575k | $3.2m | — | — | — | $12.3m | |
| Bank Owned Life Insurance Income | $927k | $433k | $424k | $711k | $506k | $526k | $620k | $388k | $849k | $576k | — | |
| Gain (Loss) on Sales of Loans, Net | $8.1m | $8.6m | $7.8m | $10.6m | $29.2m | $22.3m | $7.5m | $5.8m | $6.1m | $8.0m | — | |
| Proceeds from Stock Options Exercised | $362k | $84k | — | — | — | — | — | — | — | — | — | |
| Supplemental disclosure of cash flow information: | ||||||||||||
| Interest Paid, Excluding Capitalized Interest, Operating Activities | — | $9.4m | $10.9m | $14.2m | $14.2m | $9.1m | $7.7m | $23.9m | $41.9m | $45.9m | — | |
| Income Taxes Paid, Net | — | — | — | — | — | — | — | — | — | $5.6m | — | |
| Additional Financial Items | ||||||||||||
| Equity Securities, FV-NI, Unrealized Gain (Loss) | — | — | — | — | — | $172k | ($204k) | ($58k) | ($273k) | $119k | — | |
| Goodwill | $14.4m | $14.4m | $14.4m | $14.4m | $25.2m | $25.2m | $25.2m | $25.2m | $25.2m | $25.2m | — | |
| Income Tax Expense (Benefit) | $4.5m | $11.4m | $4.5m | $5.1m | $6.8m | $9.0m | $7.6m | $5.4m | $4.2m | $6.1m | — | |
| Operating Costs and Expenses | $97.1m | $98.4m | $95.8m | $103.1m | $123.1m | — | — | — | — | — | — | |
| Pension Expense (Reversal of Expense), Noncash | — | — | ($3.0m) | — | ($2.0m) | — | ($2.0m) | — | ($1.0m) | ($1.0m) | — | |
| Financing Receivable, Credit Loss, Expense (Reversal) | $18.0m | $16.4m | $11.0m | $8.5m | $11.1m | $575k | $3.2m | $8.3m | $13.2m | $11.6m | — |