C&F Financial Annual Income Statement (NASDAQ:CFFI)

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$42.22 $0.19 (0.45%) CFFI stock closing price Oct 24, 2016 (Closing)

Financial analysis of C&F Financial involves more than just checking the C&F Financial stock price, by looking at the financial statements of the company in detail. The income statement is a summary of the revenue, expenses and profitability (shown as Net Income) or lack of it. The income statement is always for an accounting period, typically for a year or quarter, and affects the stock. In this case, the CFFI stock is bound to reflect the impact of the YoY growth of $1.7M. One also needs to look at C&F Financial assets, operating expenses and C&F Financial free cash flow. The profit and loss statement shows revenue of $107.76M for 2015. Revenue has grown by $1.7M YoY for CFFI stock. C&F Financial revenue for 2015 is $107.76M. View revenue and profit details for latest and last 10 financial years.

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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
C&F Financial Net Sales or Revenues
Cost Of Goods Sold (COGS)4.19M4.08M4.25M5.32M7M8.23M10.31M13.34M14.93M11.15M
C&F Financial Gross Profit
Research & Development Expense----------
Selling General & Admin Expense81.68M80.46M72.69M76.32M70.24M75.25M78.73M63.08M55.5M49.95M
Income Before Depreciation Depletion Amortization21.88M21.52M25.48M28.81M23.58M16.05M12.61M12.85M20.27M24.86M
Depreciation Depletion Amortization----------
Non Operating Income----------
Interest Expense4.5M4.44M4.37M4.78M4.87M4.99M5.14M8.05M8.44M7.3M
C&F Financial Pretax Income
Provision for Income Taxes4.85M4.73M6.71M7.64M5.73M2.94M1.94M0.61M3.34M5.43M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations12.53M12.34M14.4M16.38M12.97M8.11M5.52M4.18M8.48M12.12M
Extraordinary Items & Discontinued Operations----------
C&F Financial Net Income (Profit/Loss)
Average Shares used to compute Diluted EPS3.41M3.4M3.44M3.21M3.14M3.1M3.05M2.99M3.04M3.15M
Average Shares used to compute Basic EPS3.41M3.4M3.31M3.21M3.14M3.09M3.04M2.99M3.04M3.15M
Income Before Nonrecurring Items12.53M12.35M14.4M16.07M11.79M8.11M5.53M4.18M8.48M11.43M
Income from Nonrecurring Items---------0.7M
C&F Financial Earnings Per Share Basic Net
C&F Financial Earnings Per Share Diluted Net
EPS Diluted Before Nonrecurring Items3.683.594.184.863.722.241.441.382.683.48
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common1.
All figures in USD. M: Millions of USD, B: Billions of USD.

The key things to look for in an income statement while doing C&F Financial stock analysis are:
  • Topline: A growing topline, as seen from the C&F Financial revenue chart, as is the case with C&F Financial indicates a growing business. One needs to compare the QoQ or YoY topline growth of CFFI stock with its peers like FSGI stock and CUBN stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $107.76M - other expenses = $12.53M for CFFI stock. An improving bottomline implies that the company is growing profits.
The income statement is also called the profit and loss statement. Apart from the income statement, one can check the C&F Financial historical stock prices to check how the price has moved with time. .

C&F Financial Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
PS ratio (
price sales ratio
Operating margin
Net profit margin
Dividend yield