Filing Flows › C & F Financial (CFFI) › Q2 2026 › vs Q2 2025
C & F Financial (CFFI) Q2 2026 vs Q2 2025 (year over year)
C & F Financial's revenue rose $4.5M (+12%) from $36.4M in Q2 2025 to $40.9M in Q2 2026. Operating margin 26.6% against 26.5% (+0.1 pts).
C & F Financial, Q2 2026: revenue $40.9M (+12% year over year), operating margin 26.6%, net earnings $8.6M, operating cash flow $24.7M. The chart draws each line against Q2 2025, the increases inside each band.
Margins
| Q2 2026 | Q2 2025 | Change | |
|---|---|---|---|
| Operating margin | 26.6% | 26.5% | +0.1 pts |
| Net margin | 21.0% | 21.2% | -0.2 pts |
| Free cash flow margin | 54.5% | -13.6% | +68.2 pts |
Every line
| Line | Q2 2026 | Q2 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $40.9M | $36.4M | $4.5M | +12% |
| Operating profit | $10.9M | $9.6M | $1.2M | +13% |
| Costs & expenses | $30.0M | $26.7M | $3.3M | +12% |
| Pre-tax earnings | $10.9M | $9.6M | $1.2M | +13% |
| Sales & marketing | $639K | $549K | $90K | +16% |
| Other operating costs | $29.4M | $26.2M | $3.2M | +12% |
| Net earnings | $8.6M | $7.7M | $872K | +11% |
| Minority interests | $63K | $76K | −$13K | -17% |
| Income tax | $2.2M | $1.9M | $384K | +21% |
| Depreciation & amortization | $950K | $996K | −$46K | -5% |
| Share-based compensation | $547K | $455K | $92K | +20% |
| Working capital & other | $14.6M | −$13.5M | $28.2M | — |
| Operating cash flow | $24.7M | −$4.4M | $29.1M | — |
| Free cash flow (OCF − capex) | $22.3M | −$5.0M | $27.2M | — |
| Capital expenditures | $2.4M | $566K | $1.8M | +325% |
Questions
How much did C & F Financial's revenue grow year over year in Q2 2026?
C & F Financial's revenue rose $4.5M (+12%) from $36.4M in Q2 2025 to $40.9M in Q2 2026. Operating margin 26.6% against 26.5% (+0.1 pts).