Filing Flows › C & F Financial (CFFI) › Q3 2026
C & F Financial (CFFI) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
C & F Financial (CFFI) reported revenue of $38.2M for the third quarter 2026 (Q3 2026), +6% from a year earlier and -6% from the quarter before. Operating margin was 26.6%, net earnings $8.3M (21.7% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $38.2M | -6% | +6% |
| Operating profit | $10.2M | -6% | +15% |
| Net earnings | $8.3M | -3% | +17% |
| Operating cash flow | $29.3M | +19% | +25% |
| Free cash flow | $26.3M | +18% | +16% |
What changed
Revenue was $38.2M in Q3 2026, up 6% year over year and down 6% from the previous quarter.
Operating profit was $10.2M, a 26.6% margin (up 2.1 points year over year). Of the extra revenue versus Q3 2025, 62% reached operating profit, above the 25% margin then. Total costs grew 3% against revenue growth of 6%. Net earnings were $8.3M, up 17% year over year. The effective tax rate was 18.9%.
Operating cash flow was $29.3M (up 25% year over year), 354% of net earnings. Non-cash charges added back $1.0M of depreciation and amortization and $537K of share-based compensation. Working capital and other items added $19.5M. Capital expenditures of $3.0M left free cash flow of $26.3M.
Questions
What was C & F Financial's revenue in the third quarter 2026?
C & F Financial (CFFI) reported revenue of $38.2M for the third quarter 2026 (Q3 2026), +6% from a year earlier and -6% from the quarter before.
Was C & F Financial profitable in the third quarter 2026?
Operating profit was $10.2M (26.6% of revenue) and net earnings $8.3M.
Source: C & F Financial 10-Q on SEC EDGAR.