C & F Financial (CFFI) Operating Margin (2023 - 2026)
C & F Financial's (CFFI) quarterly Operating Margin came in at 32.08% in Q2 2026, up 64.0% on a YoY basis from 19.56% in Q2 2025, and up 0.52% quarter-over-quarter from 31.92% in Q1 2026.
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C & F Financial (CFFI) Operating Margin (2023 - 2026) Analysis & Trends
C & F Financial (CFFI) has reported Operating Margin for 4 consecutive years, with 32.08% the latest figure, recorded in Q2 2026.
- For the quarter ending Q2 2026, Operating Margin rose 64.0% year-over-year to 32.08%; the trailing twelve-month figure through Jun 2026 stood at 31.85% (up 118.0% YoY), and the FY2025 full-year result was 30.84%, up 226.0% from the prior year.
- Operating Margin rose to 32.08% in Q2 2026 per CFFI's latest filing, from 31.92% in the prior quarter.
- Across five years, Operating Margin topped out at 32.63% in Q4 2024 and bottomed at 23.7% in Q1 2024.
- Historically, Operating Margin has averaged 29.7% across 4 years, with a median of 30.16% in 2023.
- The widest YoY moves for Operating Margin: up 613 bps in 2024, down 636 bps in 2024.
- Over 4 years, Operating Margin stood at 26.5% in 2023, then rose by 23 bps to 32.63% in 2024, then fell by 3 bps to 31.59% in 2025, then climbed by 2 bps to 32.08% in 2026.
- According to Business Quant data, Operating Margin over the past three periods registered 32.08%, 31.92%, and 31.59% for Q2 2026, Q1 2026, and Q4 2025 respectively.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Operating Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Banco Santander Chile | 950.85 Bn | 950.85 Bn | - | - |
| 2 | Truist Financial | 61.46 Bn | 61.46 Bn | - | - |
| 3 | Fifth Third Bancorp | 49.43 Bn | 25.71 Bn | - | - |
| 4 | M&T Bank | 34.72 Bn | 34.72 Bn | - | - |
| 5 | Huntington Bancshares | 33.60 Bn | 29.07 Bn | - | - |
| 6 | Citizens Financial | 29.31 Bn | 29.31 Bn | - | - |
| 7 | Regions Financial | 25.53 Bn | 25.53 Bn | - | - |
| 8 | First Citizens Bancshares | 24.60 Bn | 24.07 Bn | 29.00 Mn | -2,056.76% |
| 9 | Keycorp | 23.26 Bn | -24.44 Bn | - | - |
| 10 | C & F Financial | 304.24 Mn | 162.22 Mn | 40.46 Mn | 32.08% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 32.08% |
| Mar 31, 2026 | 31.92% |
| Dec 31, 2025 | 31.59% |
| Sep 30, 2025 | 31.77% |
| Jun 30, 2025 | 31.44% |
| Mar 31, 2025 | 28.29% |
| Dec 31, 2024 | 32.63% |
| Sep 30, 2024 | 30.27% |
| Jun 30, 2024 | 27.38% |
| Mar 31, 2024 | 23.70% |
| Dec 31, 2023 | 26.50% |
| Sep 30, 2023 | 29.05% |
| Jun 30, 2023 | 29.09% |
| Mar 31, 2023 | 30.06% |