← C & F FINANCIAL CORP

Annual Trend FY 2016 FY 2017 FY 2018 FY 2019 FY 2020 FY 2021 FY 2022 FY 2023 FY 2024 FY 2025
Cash flows from operating activities:
Adjustments to reconcile net income to net cash provided by operating activities:
Net Income (Loss) Attributable to Parent $13.5m $6.6m $18.0m $18.9m $22.1m $28.7m $29.2m $23.6m $19.8m $26.8m
Net Income (Loss) Available to Common Stockholders, Basic $13.5m $6.6m $18.0m — — — — — — —
Net Income (Loss), Including Portion Attributable to Noncontrolling Interest — — — $18.9m $22.4m $29.1m $29.4m $23.7m $19.9m $27.0m
Net Income (Loss) Attributable to Noncontrolling Interest — — — ($9k) $307k $456k $210k $142k $84k $156k
Depreciation and amortization — — — $3.9m $4.2m $4.7m $4.4m $3.9m $3.9m $3.9m
Amortization of Intangible Assets $741k $160k $451k $230k $332k $314k $298k $272k $260k $238k
Depreciation $2.6m $2.7m $3.2m — — — — $3.3m $3.1m $3.2m
Depreciation, Nonproduction $2.6m $2.7m $3.2m $3.6m — — — — — —
Deferred Income Tax Expense (Benefit) ($23k) $9.4m $632k $354k ($817k) ($90k) $708k $586k $474k $154k
Share-based Payment Arrangement, Noncash Expense $1.2m $1.5m $1.3m $1.5m $1.4m $1.7m $2.0m $2.0m $1.9m $1.8m
Goodwill and Intangible Asset Impairment — $0 — — — — — — — —
Financing Receivable Excluding Accrued Interest Credit Loss Expense Reversal — — — — — — — $8.1m $13.1m $11.8m
Gain (Loss) on Disposition of Property Plant Equipment, Excluding Oil and Gas Property and Timber Property $246k $45k $204k — — — — — — —
Gain (Loss) on Extinguishment of Debt — — — — ($2.2m) — — — — —
Income Tax Expense (Benefit) $4.5m $11.4m $4.5m $5.1m $6.8m $9.0m $7.6m $5.4m $4.2m $6.1m
Changes in operating assets and liabilities:
Additional Financial Items
Increase (Decrease) in Other Operating Assets $3.6m $6.6m ($3.5m) ($137k) ($6.9m) ($1.3m) $2.7m $1.6m ($7.7m) ($2.3m)
Provision for Loan, Lease, and Other Losses $18.0m $16.4m $11.0m $8.5m $11.1m $575k $3.2m — — —
Bank Owned Life Insurance Income $927k $433k $424k $711k $506k $526k $620k $388k $849k $576k
Increase (Decrease) in Other Operating Liabilities $5.0m ($490k) ($325k) ($320k) $1.8m ($6.1m) ($4.8m) ($685k) ($1.4m) $551k
Gain (Loss) on Sales of Loans, Net $8.1m $8.6m $7.8m $10.6m $29.2m $22.3m $7.5m $5.8m $6.1m $8.0m
Proceeds from Stock Options Exercised $362k $84k — — — — — — — —
Debt Securities, Available-for-sale, Realized Gain (Loss) — — — — $38k $42k — ($5k) — —
Equity Securities, FV-NI, Unrealized Gain (Loss) — — — — — $172k ($204k) ($58k) ($273k) $119k
Goodwill $14.4m $14.4m $14.4m $14.4m $25.2m $25.2m $25.2m $25.2m $25.2m $25.2m
Operating Costs and Expenses $97.1m $98.4m $95.8m $103.1m $123.1m — — — — —
Pension Expense (Reversal of Expense), Noncash — — ($3.0m) — ($2.0m) — ($2.0m) — ($1.0m) ($1.0m)
Financing Receivable, Credit Loss, Expense (Reversal) $18.0m $16.4m $11.0m $8.5m $11.1m $575k $3.2m $8.3m $13.2m $11.6m
Unrealized Gain (Loss) on Investments — — — — — — $2.9m $103k $687k $622k
Net Cash Provided by (Used in) Operating Activities $27.2m $26.6m $47.1m ($15.2m) ($80.4m) $157.4m $90.6m $38.8m $38.5m $24.5m
Cash flows from investing activities:
Payments to Acquire Property, Plant, and Equipment $1.7m $3.9m $3.4m $2.7m $10.2m $4.8m $3.4m $1.5m $3.5m $2.3m
Payments to Acquire Businesses, Net of Cash Acquired — — — — ($19.1m) — — — — —
Payments for (Proceeds from) Other Investing Activities — — — $1.3m ($2.2m) ($1.1m) $587k $1.8m ($71k) $51k
Net Cash Provided by (Used in) Investing Activities ($106.2m) ($60.2m) ($47.5m) ($35.9m) ($183.3m) ($138.7m) ($411.3m) ($56.3m) ($148.6m) ($169.4m)
Cash flows from financing activities:
Proceeds from Maturities, Prepayments and Calls of Debt Securities, Available-for-sale $56.5m $41.5m $51.1m $75.6m $123.7m $114.0m $55.3m $100.8m $100.6m $65.6m
Proceeds from Issuance of Long-term Debt — — — $7.0m $19.9m — — — $40.0m $40.0m
Repayments of Long-term Debt — — $2.5m $7.0m $121.7m — — $4.0m — $20.0m
Proceeds from Issuance of Common Stock $149k $147k $144k — — — — — — —
Payments for Repurchase of Common Stock $414k $560k $1.1m $4.4m $1.1m $8.2m $5.4m $7.8m $8.8m $943k
Dividends paid $4.5m $4.6m $4.9m $5.1m $5.5m $5.7m $5.8m $6.0m $5.8m $6.0m
Payments of Dividends $4.5m $4.6m $4.9m $5.1m $5.5m $5.7m $5.8m $6.0m $5.8m $6.0m
Other Interest and Dividend Income — — — $207k $246k $615k $927k $1.2m $1.2m $1.5m
Proceeds from (Payments for) Other Financing Activities — — ($144k) ($4k) ($176k) ($711k) ($338k) ($132k) ($382k) ($562k)
Net Cash Provided by (Used in) Financing Activities $29.2m $49.8m ($4.0m) $101.5m $184.9m $162.4m $79.6m $66.0m $100.6m $158.4m
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents — — — — — $267.7m $26.7m $75.2m $65.6m $79.1m
Supplemental disclosure of cash flow information:
Interest Paid, Excluding Capitalized Interest, Operating Activities — $9.4m $10.9m $14.2m $14.2m $9.1m $7.7m $23.9m $41.9m $45.9m
Income Taxes Paid, Net — — — — — — — — — $5.6m

Data sourced from SEC EDGAR 10-K filings via EdgarTools. Amounts are shown in USD as reported in each fiscal year filing.