Filing Flows › C & F Financial (CFFI) › Q3 2026 › vs Q2 2026
C & F Financial (CFFI) Q3 2026 vs Q2 2026 (quarter over quarter)
C & F Financial's revenue fell $2.7M (-6%) from $40.9M in Q2 2026 to $38.2M in Q3 2026. Operating margin 26.6% against 26.6% (+0.0 pts).
C & F Financial, Q3 2026: revenue $38.2M (+6% year over year), operating margin 26.6%, net earnings $8.3M, operating cash flow $29.3M. The chart draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 26.6% | 26.6% | +0.0 pts |
| Net margin | 21.7% | 21.0% | +0.7 pts |
| Free cash flow margin | 68.9% | 54.5% | +14.3 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Revenue | $38.2M | $40.9M | −$2.7M | -6% |
| Operating profit | $10.2M | $10.9M | −$690K | -6% |
| Costs & expenses | $28.0M | $30.0M | −$2.0M | -7% |
| Pre-tax earnings | $10.2M | $10.9M | −$690K | -6% |
| Sales & marketing | $604K | $639K | −$35K | -5% |
| Other operating costs | $27.4M | $29.4M | −$1.9M | -7% |
| Loss borne by minority interests | $18K | −$63K | $81K | — |
| Net earnings | $8.3M | $8.6M | −$288K | -3% |
| Income tax | $1.9M | $2.2M | −$321K | -14% |
| Depreciation & amortization | $980K | $950K | $30K | +3% |
| Share-based compensation | $537K | $547K | −$10K | -2% |
| Working capital & other | $19.5M | $14.6M | $4.8M | +33% |
| Operating cash flow | $29.3M | $24.7M | $4.6M | +19% |
| Free cash flow (OCF − capex) | $26.3M | $22.3M | $4.0M | +18% |
| Capital expenditures | $3.0M | $2.4M | $545K | +23% |
Questions
How much did C & F Financial's revenue grow quarter over quarter in Q3 2026?
C & F Financial's revenue fell $2.7M (-6%) from $40.9M in Q2 2026 to $38.2M in Q3 2026. Operating margin 26.6% against 26.6% (+0.0 pts).