Filing Flows › C & F Financial (CFFI) › Q3 2025
C & F Financial (CFFI) Q3 2025 earnings results (third quarter 2025)
10-Q filed Nov 4, 2025
C & F Financial (CFFI) reported revenue of $36.0M for the third quarter 2025 (Q3 2025), +8% from a year earlier and -0.9% from the quarter before. Operating margin was 24.5%, net earnings $7.1M (19.6% of revenue).
C & F Financial, Q3 2025: revenue $36.0M (+8% year over year), operating margin 24.5%, net earnings $7.1M, operating cash flow $23.4M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $36.0M | -0.9% | +8% |
| Operating profit | $8.8M | -8% | +32% |
| Net earnings | $7.1M | -8% | +31% |
| Operating cash flow | $23.4M | — | 58× |
| Free cash flow | $22.7M | — | — |
What changed
Revenue was $36.0M in Q3 2025, up 8% year over year and down 1% from the previous quarter.
Operating profit was $8.8M, a 24.5% margin (up 4.6 points year over year). Of the extra revenue versus a year earlier, 84% reached operating profit, above the 20% margin then. Total costs grew 1% against revenue growth of 8%. The fastest-growing cost line was Sales & marketing (+43%). Net earnings were $7.1M, up 31% year over year. The effective tax rate was 19.4%.
Operating cash flow was $23.4M (up 5701% year over year), 330% of net earnings. Non-cash charges added back $1.0M of depreciation and amortization and $444K of share-based compensation. Working capital and other items added $14.9M. Capital expenditures of $740K left free cash flow of $22.7M.
Questions
What was C & F Financial's revenue in the third quarter 2025?
C & F Financial (CFFI) reported revenue of $36.0M for the third quarter 2025 (Q3 2025), +8% from a year earlier and -0.9% from the quarter before.
Was C & F Financial profitable in the third quarter 2025?
Operating profit was $8.8M (24.5% of revenue) and net earnings $7.1M.
Source: C & F Financial 10-Q on SEC EDGAR.