Filing Flows › C & F Financial (CFFI) › Q2 2026
C & F Financial (CFFI) Q2 2026 earnings results (second quarter 2026)
10-Q filed Aug 10, 2026
C & F Financial (CFFI) reported revenue of $40.9M for the second quarter 2026 (Q2 2026), +12% from a year earlier and +13% from the quarter before. Operating margin was 26.6%, net earnings $8.6M (21.0% of revenue).
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 follows the revenue to costs, profit and cash.
| Q2 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $40.9M | +13% | +12% |
| Operating profit | $10.9M | +30% | +13% |
| Net earnings | $8.6M | +27% | +11% |
| Operating cash flow | $24.7M | — | — |
| Free cash flow | $22.3M | — | — |
What changed
Revenue was $40.9M in Q2 2026, up 12% year over year and up 13% from the previous quarter.
Operating profit was $10.9M, a 26.6% margin (up 0.1 points year over year). Of the extra revenue versus Q2 2025, 28% reached operating profit, above the 26% margin then. Total costs grew 12% against revenue growth of 12%. The fastest-growing cost line was Sales & marketing (+16%). Net earnings were $8.6M, up 11% year over year. The effective tax rate was 20.6%.
Operating cash flow was $24.7M, 286% of net earnings. Non-cash charges added back $0.9M of depreciation and amortization and $547K of share-based compensation. Working capital and other items added $14.6M. Capital expenditures of $2.4M left free cash flow of $22.3M.
Questions
What was C & F Financial's revenue in the second quarter 2026?
C & F Financial (CFFI) reported revenue of $40.9M for the second quarter 2026 (Q2 2026), +12% from a year earlier and +13% from the quarter before.
Was C & F Financial profitable in the second quarter 2026?
Operating profit was $10.9M (26.6% of revenue) and net earnings $8.6M.
Source: C & F Financial 10-Q on SEC EDGAR.