C&F Financial (C&F Financial) Net Margin % : 15.77% (As of Dec. 2023)

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What is C&F Financial Net Margin %?

Net margin is calculated as Net Income divided by its Revenue. C&F Financial's Net Income for the three months ended in Dec. 2023 was $5.1 Mil. C&F Financial's Revenue for the three months ended in Dec. 2023 was $32.1 Mil. Therefore, C&F Financial's net margin for the quarter that ended in Dec. 2023 was 15.77%.

The historical rank and industry rank for C&F Financial's Net Margin % or its related term are showing as below:

CFFI' s Net Margin % Range Over the Past 10 Years
Min: 6.13 Med: 16.66 Max: 24.1
Current: 16.51

CFFI's Net Margin % is ranked worse than
74.88% of 1457 companies
in the Banks industry
Industry Median: 25.33 vs CFFI: 16.51

C&F Financial Net Margin % Historical Data

The historical data trend for C&F Financial's Net Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

C&F Financial Net Margin % Chart

C&F Financial Annual Data

Trend

Dec14

Dec15

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Net Margin %

Get a 7-Day Free Trial

17.11

16.39

21.71

24.10

18.69

C&F Financial Quarterly Data
	Jun19	Sep19	Dec19	Mar20	Jun20	Sep20	Dec20	Mar21	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24
Net Margin %	Get a 7-Day Free Trial															20.04	19.84	19.16	15.77	11.21

Competitive Comparison of C&F Financial's Net Margin %

For the Banks - Regional subindustry, C&F Financial's Net Margin %, along with its competitors' market caps and Net Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

C&F Financial's Net Margin % Distribution in the Banks Industry

For the Banks industry and Financial Services sector, C&F Financial's Net Margin % distribution charts can be found below:

* The bar in red indicates where C&F Financial's Net Margin % falls into.

C&F Financial Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

C&F Financial's Net Margin for the fiscal year that ended in Dec. 2023 is calculated as

Net Margin	=	Net Income (A: Dec. 2023 )	/	Revenue (A: Dec. 2023 )
	=	23.604	/	126.274
	=	18.69 %

C&F Financial's Net Margin for the quarter that ended in Dec. 2023 is calculated as

Net Margin	=	Net Income (Q: Dec. 2023 )	/	Revenue (Q: Dec. 2023 )
	=	5.068	/	32.137
	=	15.77 %

C&F Financial (NAS:CFFI) Net Margin % Explanation

Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.

But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.

C&F Financial Net Margin % Related Terms

Thank you for viewing the detailed overview of C&F Financial's Net Margin % provided by GuruFocus.com. Please click on the following links to see related term pages.

C&F Financial (C&F Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » C&F Financial Corp (NAS:CFFI) » Definitions » Net Margin %

Comparable Companies

Traded in Other Exchanges

N/A

Address

3600 La Grange Parkway, Toano, VA, USA, 23168

Website

https://www.cffc.com

C&F Financial Corp is an American bank holding company. The company through its subsidiaries offers banking and related financial services to both individuals and businesses. It operates in three business activities: Community Banking, Mortgage Banking, and Consumer Finance. It mainly provides a range of lending activities, which include residential mortgage loans, commercial real estate loans, non-prime automobile lending, land acquisition, and development loans, and consumer loans. The company generates maximum revenue from the Community Banking segment.

Executives

Seaman John A Iii	other: Chief Credit Officer	802 MAIN STREET, WEST POINT VA 23181
Thomas F Cherry	officer: Senior Vice President & CFO
S Dustin Crone	other: President of Major Subsidiary	802 MAIN STREET, WEST POINT VA 23181
Audrey Dale Holmes	director	5120 ADKINS ROAD, PROVIDENCE FORGE VA 23140
Larry G Dillon	director, officer: Chairman, President & CEO
Hudson James H Iii	director
Jeffery O Smith	director	3600 LA GRANGE PKWY, TOANO VA 23168
D Anthony Peay	director	3600 LA GRANGE PKWY, TOANO VA 23168
Jason E Long	officer: Chief Financial Officer	4136 LONGVIEW LANDING, WILLIAMSBURG VA 23188
Sisson George R Iii	director	3600 LAGRANGE PARKWAY, TOANO VA 23168
Bryan Edwin Mckernon	other: President of major subsidiary	1400 ALVERSER DRIVE, MIDLOTHIAN VA 23113
Causey J P Jr	director	1021 EAST CARY STREET, PO BOX 2350, RICHMOND VA 23218-2350
Barry R Chernack	director
Julie R Agnew	director	100 PIERCES COURT, WILLIAMSBURG VA 23185
Elizabeth R Kelley	director	324 5TH STREET, WEST POINT VA 23181