Superworth

C & F Financial profit margin CFFI

Gross, operating and net profit as a share of revenue over the last twelve months, from 2013.

Net margin, 12 months
19.5%
Net margin on a year earlier
+1.3 pts
Peer median
23.8%

Over the twelve months to Jun 30, 2026, C & F Financial kept 19.5% of its revenue as net profit.

Five years earlier its net margin was 20.2%.

The median for 10 regional banks of a similar size is 23.8%.

Profit margin over time

Net

Open the interactive chart, with overlays and comparisons

Fiscal year by fiscal year

Fiscal yearNet margin
FY202519.1%
FY202415.6%
FY202318.5%
FY202223.8%
FY202121.3%
FY202016.0%
FY201916.8%
FY201816.8%
FY20176.1%
FY201612.7%
FY201512.6%
FY201412.7%
FY201315.4%
FY2012n/a
FY2011n/a

Quarter by quarter

QuarterEndedNet margin, 12 monthsChange on a year
Q2 FY2619.5%+1.3 pts
Q1 FY2619.5%+2.7 pts
Q4 FY2519.1%+3.5 pts
Q3 FY2519.1%+4.2 pts
Q2 FY2518.2%+2.7 pts
Q1 FY2516.9%+0.5 pts
Q4 FY2415.6%−3.0 pts
Q3 FY2414.9%−7.0 pts
Q2 FY2415.5%−6.9 pts
Q1 FY2416.4%−7.0 pts
Q4 FY2318.5%−5.2 pts
Q3 FY2321.8%+0.8 pts

Against its peers

Companies in Banks - Regional nearest C & F Financial's size, closest first, today.

CompanyProfit margin
CFFIC & F Financial19.5%
WSBFWaterstone Financial20.0%
TSBKTimberland Bancorp36.2%
COSOCoastalSouth Bancshares31.3%
BRBSBlue Ridge Bankshares11.2%
JMSBJohn Marshall Bancorp35.8%
BCMLBayCom12.6%
FSBWFS Bancorp21.4%
FRSTPrimis Financial23.8%
NWFLNorwood Financialn/m
NECBNorthEast Community Bancorp40.9%
Peer median23.8%

What the profit margin tells you

Profit as a share of revenue at three levels: gross (after making the product), operating (after running the business) and net (after everything, including tax and interest).

Compare within an industry. 10% is superb for a retailer and poor for a software company.

More on C & F Financial

Valuation data, not investment advice. Prices as of . Reported figures come from the company's filings with the SEC.