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C & F Financial vs Investar Holding: CFFI and ISTR compared
C & F Financial is the larger company: $38.2M of revenue in its latest quarter (Q3 2026) against $36.8M for Investar Holding (Q3 2026). Investar Holding is growing faster (+53% against +6% a year earlier). Investar Holding is more profitable, with an operating margin of 38.6% against 26.6%.
Where the money goes: CFFI and ISTR
C & F Financial (CFFI) · Q3 2026
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.
Investar Holding (ISTR) · Q3 2026
Investar Holding, Q3 2026: revenue $36.8M (+53% year over year), operating margin 38.6%, net earnings $11.7M, operating cash flow $11.1M. The chart follows the revenue to costs, profit and cash.
| C & F Financial (CFFI) | Investar Holding (ISTR) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $38.2M | $36.8M |
| Revenue growth, Y/Y | +6% | +53% |
| Operating margin | 26.6% | 38.6% |
| Net earnings | $8.3M | $11.7M |
| Net margin | 21.7% | 31.7% |
| Operating cash flow | $29.3M | $11.1M |
| Free cash flow | $26.3M | $11.0M |
Where the revenue comes from
Investar Holding
- Net interest income: $33.8M (92%)
- Noninterest income: $3.0M (8%)
Questions
Which is bigger, C & F Financial or Investar Holding?
C & F Financial is the larger company: $38.2M of revenue in its latest quarter (Q3 2026) against $36.8M for Investar Holding (Q3 2026).
Is C & F Financial or Investar Holding growing faster?
Investar Holding is growing faster (+53% against +6% a year earlier).
Which is more profitable, C & F Financial or Investar Holding?
Investar Holding is more profitable, with an operating margin of 38.6% against 26.6%.
More: C & F Financial earnings · how C & F Financial makes money · Investar Holding earnings · how Investar Holding makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Nov 5, 2026). Fiscal quarters can end on different dates. Not investment advice.