C&F Financial Past Earnings Performance
Past criteria checks 2/6
C&F Financial has been growing earnings at an average annual rate of 3.7%, while the Banks industry saw earnings growing at 17.4% annually. Revenues have been growing at an average rate of 1.2% per year. C&F Financial's return on equity is 8.3%, and it has net margins of 16.4%.
Key information
3.7%
Earnings growth rate
4.7%
EPS growth rate
| Banks Industry Growth | 10.6% |
| Revenue growth rate | 1.2% |
| Return on equity | 8.3% |
| Net Margin | 16.4% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How C&F Financial makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 115 | 19 | 82 | 0 |
| 30 Jun 24 | 114 | 19 | 80 | 0 |
| 31 Mar 24 | 116 | 21 | 80 | 0 |
| 31 Dec 23 | 119 | 24 | 80 | 0 |
| 30 Sep 23 | 125 | 29 | 90 | 0 |
| 30 Jun 23 | 126 | 30 | 86 | 0 |
| 31 Mar 23 | 123 | 30 | 78 | 0 |
| 31 Dec 22 | 120 | 29 | 73 | 0 |
| 30 Sep 22 | 116 | 25 | 58 | 0 |
| 30 Jun 22 | 120 | 26 | 60 | 0 |
| 31 Mar 22 | 127 | 27 | 65 | 0 |
| 31 Dec 21 | 135 | 29 | 84 | 0 |
| 30 Sep 21 | 142 | 31 | 73 | 0 |
| 30 Jun 21 | 144 | 30 | 74 | 0 |
| 31 Mar 21 | 137 | 26 | 73 | 0 |
| 31 Dec 20 | 127 | 22 | 68 | 0 |
| 30 Sep 20 | 114 | 18 | 63 | 0 |
| 30 Jun 20 | 106 | 17 | 58 | 0 |
| 31 Mar 20 | 105 | 19 | 56 | 0 |
| 31 Dec 19 | 103 | 19 | 57 | 0 |
| 30 Sep 19 | 101 | 18 | 54 | 0 |
| 30 Jun 19 | 99 | 19 | 54 | 0 |
| 31 Mar 19 | 97 | 18 | 53 | 0 |
| 31 Dec 18 | 97 | 18 | 51 | 0 |
| 30 Sep 18 | 96 | 11 | 53 | 0 |
| 30 Jun 18 | 93 | 9 | 53 | 0 |
| 31 Mar 18 | 92 | 8 | 53 | 0 |
| 31 Dec 17 | 91 | 7 | 53 | 0 |
| 30 Sep 17 | 90 | 13 | 53 | 0 |
| 30 Jun 17 | 90 | 13 | 54 | 0 |
| 31 Mar 17 | 89 | 14 | 53 | 0 |
| 31 Dec 16 | 88 | 13 | 51 | 0 |
| 30 Sep 16 | 86 | 13 | 52 | 0 |
| 30 Jun 16 | 85 | 13 | 50 | 0 |
| 31 Mar 16 | 83 | 12 | 49 | 0 |
| 31 Dec 15 | 84 | 13 | 49 | 0 |
| 30 Sep 15 | 83 | 13 | 49 | 0 |
| 30 Jun 15 | 82 | 12 | 48 | 0 |
| 31 Mar 15 | 81 | 12 | 48 | 0 |
| 31 Dec 14 | 81 | 12 | 46 | 0 |
| 30 Sep 14 | 82 | 13 | 45 | 0 |
| 30 Jun 14 | 81 | 13 | 43 | 0 |
| 31 Mar 14 | 80 | 13 | 42 | 0 |
| 31 Dec 13 | 78 | 14 | 40 | 0 |
Quality Earnings: CFF has high quality earnings.
Growing Profit Margin: CFF's current net profit margins (16.4%) are lower than last year (23.1%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: CFF's earnings have grown by 3.7% per year over the past 5 years.
Accelerating Growth: CFF's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CFF had negative earnings growth (-34.6%) over the past year, making it difficult to compare to the Banks industry average (13%).
Return on Equity
High ROE: CFF's Return on Equity (8.3%) is considered low.