Filing Flows › C & F Financial (CFFI) › Q3 2026 › vs Q3 2025
C & F Financial (CFFI) Q3 2026 vs Q3 2025 (year over year)
C & F Financial's revenue rose $2.2M (+6%) from $36.0M in Q3 2025 to $38.2M in Q3 2026. Operating margin 26.6% against 24.5% (+2.1 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 26.6% | 24.5% | +2.1 pts |
| Net margin | 21.7% | 19.6% | +2.0 pts |
| Free cash flow margin | 68.9% | 63.0% | +5.8 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $38.2M | $36.0M | $2.2M | +6% |
| Operating profit | $10.2M | $8.8M | $1.4M | +15% |
| Costs & expenses | $28.0M | $27.2M | $841K | +3% |
| Pre-tax earnings | $10.2M | $8.8M | $1.4M | +15% |
| Sales & marketing | $604K | $660K | −$56K | -8% |
| Other operating costs | $27.4M | $26.5M | $897K | +3% |
| Loss borne by minority interests | $18K | −$38K | $56K | — |
| Net earnings | $8.3M | $7.1M | $1.2M | +17% |
| Income tax | $1.9M | $1.7M | $207K | +12% |
| Depreciation & amortization | $980K | $968K | $12K | +1% |
| Share-based compensation | $537K | $444K | $93K | +21% |
| Working capital & other | $19.5M | $15.0M | $4.5M | +30% |
| Operating cash flow | $29.3M | $23.4M | $5.8M | +25% |
| Free cash flow (OCF − capex) | $26.3M | $22.7M | $3.6M | +16% |
| Capital expenditures | $3.0M | $740K | $2.2M | +299% |
Questions
How much did C & F Financial's revenue grow year over year in Q3 2026?
C & F Financial's revenue rose $2.2M (+6%) from $36.0M in Q3 2025 to $38.2M in Q3 2026. Operating margin 26.6% against 24.5% (+2.1 pts).