Filing Flows › C & F Financial (CFFI) › Q2 2025
C & F Financial (CFFI) Q2 2025 earnings results (second quarter 2025)
10-Q filed Aug 11, 2025
C & F Financial (CFFI) reported revenue of $36.4M for the second quarter 2025 (Q2 2025), +17% from a year earlier and +12% from the quarter before. Operating margin was 26.5%, net earnings $7.7M (21.2% of revenue).
C & F Financial, Q2 2025: revenue $36.4M (+17% year over year), operating margin 26.5%, net earnings $7.7M, operating cash flow −$4.4M. The chart follows the revenue to costs, profit and cash.
| Q2 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $36.4M | +12% | +17% |
| Operating profit | $9.6M | +48% | +55% |
| Net earnings | $7.7M | +43% | +54% |
| Operating cash flow | −$4.4M | -237% | — |
What changed
Revenue was $36.4M in Q2 2025, up 17% year over year and up 12% from the previous quarter.
Operating profit was $9.6M, a 26.5% margin (up 6.5 points year over year). Of the extra revenue versus a year earlier, 65% reached operating profit, above the 20% margin then. Total costs grew 7% against revenue growth of 17%. The fastest-growing cost line was Sales & marketing (+74%). Net earnings were $7.7M, up 54% year over year. The effective tax rate was 19.3%.
Operating cash flow was −$4.4M. Non-cash charges added back $1.0M of depreciation and amortization and $455K of share-based compensation. Working capital and other items used $13.6M. Capital expenditures of $566K exceeded it, leaving free cash flow of −$5.0M.
Questions
What was C & F Financial's revenue in the second quarter 2025?
C & F Financial (CFFI) reported revenue of $36.4M for the second quarter 2025 (Q2 2025), +17% from a year earlier and +12% from the quarter before.
Was C & F Financial profitable in the second quarter 2025?
Operating profit was $9.6M (26.5% of revenue) and net earnings $7.7M.
Source: C & F Financial 10-Q on SEC EDGAR.