Filing Flows › C & F Financial (CFFI) › Q1 2026
C & F Financial (CFFI) Q1 2026 earnings results (first quarter 2026)
10-Q filed May 11, 2026
C & F Financial (CFFI) reported revenue of $36.3M for the first quarter 2026 (Q1 2026), +11% from a year earlier and +1% from the quarter before. Operating margin was 23.0%, net earnings $6.7M (18.6% of revenue).
C & F Financial, Q1 2026: revenue $36.3M (+11% year over year), operating margin 23.0%, net earnings $6.7M, operating cash flow −$7.6M. The chart follows the revenue to costs, profit and cash.
| Q1 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $36.3M | +1% | +11% |
| Operating profit | $8.3M | +3% | +28% |
| Net earnings | $6.7M | +0.7% | +26% |
| Operating cash flow | −$7.6M | -440% | -336% |
What changed
Revenue was $36.3M in Q1 2026, up 11% year over year and up 1% from the previous quarter.
Operating profit was $8.3M, a 23.0% margin (up 3.0 points year over year). Of the extra revenue versus Q1 2025, 50% reached operating profit, above the 20% margin then. Total costs grew 7% against revenue growth of 11%. Net earnings were $6.7M, up 26% year over year. The effective tax rate was 18.6%.
Operating cash flow was −$7.6M. Non-cash charges added back $940K of depreciation and amortization and $514K of share-based compensation. Working capital and other items used $15.8M. Capital expenditures of $322K exceeded it, leaving free cash flow of −$7.9M.
Questions
What was C & F Financial's revenue in the first quarter 2026?
C & F Financial (CFFI) reported revenue of $36.3M for the first quarter 2026 (Q1 2026), +11% from a year earlier and +1% from the quarter before.
Was C & F Financial profitable in the first quarter 2026?
Operating profit was $8.3M (23.0% of revenue) and net earnings $6.7M.
Source: C & F Financial 10-Q on SEC EDGAR.