C & F Financial (CFFI) Net Margin (2011 - 2026)
C & F Financial's Net Margin was 20.95% in Q2 2026, down 0.20 percentage points from 21.15% a year earlier but up 2.35 percentage points from the prior quarter.
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Analysis
C & F Financial (CFFI) Net Margin (2011 - 2026) Analysis & Trends
On a trailing twelve-month basis, C & F Financial's Net Margin was 19.52% through Jun 30, 2026, up 1.31 percentage points year-over-year; for FY2025, it was 19.05%, up 3.47 percentage points from FY2024.
- Net Margin shows a five-year change of +3.04 percentage points (FY2020 to FY2025).
- In earlier years, Net Margin was 15.58% in FY2024 (-2.96 pp), 18.54% in FY2023 (-5.23 pp), 23.77% in FY2022 (+2.57 pp) and 21.20% in FY2021 (+5.19 pp).
- Quarterly Net Margin has moved between 11.10% (Q1 2024) and 28.11% (Q4 2022) over five years.
- Compared with a year earlier, Net Margin was higher in five of the last eight quarters, with an average year-over-year change of +1.98 percentage points.
- The best year-over-year quarter for Net Margin over five years was Q4 2022 (a gain of 9.89 percentage points); the worst was Q4 2023 (a drop of 12.15 percentage points).
- Per Business Quant data, CFFI's Net Margin in the three quarters before Q2 2026 was 18.61% (Q1 2026), 18.67% (Q4 2025) and 19.64% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Net Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 879.54 Bn | 909.01 Bn | - | 36.19% |
| 2 | Banco Santander Chile | 418.48 Bn | 538.42 Bn | - | - |
| 3 | Bank Of America | 381.92 Bn | -1,994.15 Bn | - | 27.72% |
| 4 | Hsbc Holdings | 341.10 Bn | 341.15 Bn | - | - |
| 5 | Morgan Stanley | 295.71 Bn | -213.38 Bn | - | 25.46% |
| 6 | Royal Bank Of Canada | 275.38 Bn | 126.13 Bn | - | 32.50% |
| 7 | Mitsubishi Ufj Financial | 273.79 Bn | -1,314.70 Bn | 10.89 Bn | - |
| 8 | Goldman Sachs | 262.78 Bn | -3,294.34 Bn | - | 31.46% |
| 9 | Wells Fargo & Company | 242.61 Bn | 244.75 Bn | - | 27.23% |
| 10 | C & F Financial | 318.43 Mn | 4.28 Mn | - | 20.95% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 20.95% |
| Mar 31, 2026 | 18.61% |
| Dec 31, 2025 | 18.67% |
| Sep 30, 2025 | 19.64% |
| Jun 30, 2025 | 21.15% |
| Mar 31, 2025 | 16.47% |
| Dec 31, 2024 | 18.84% |
| Sep 30, 2024 | 16.11% |
| Jun 30, 2024 | 16.07% |
| Mar 31, 2024 | 11.10% |
| Dec 31, 2023 | 15.96% |
| Sep 30, 2023 | 18.87% |
| Jun 30, 2023 | 19.52% |
| Mar 31, 2023 | 19.76% |
| Dec 31, 2022 | 28.11% |
| Sep 30, 2022 | 21.24% |
| Jun 30, 2022 | 23.83% |
| Mar 31, 2022 | 20.69% |
| Dec 31, 2021 | 18.22% |
| Sep 30, 2021 | 22.99% |
API Access
C & F Financial Net Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=net-margin&ticker=CFFI&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "net-margin", "ticker": "CFFI", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=net-margin&ticker=CFFI&period=max&api_key=YOUR_API_KEY");
const data = await res.json();