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    CFFI

    C & F FINANCIAL CORP

    Company overview

    Market capitalization
    $307.90M
    Employees
    575
    Latest publication
    2026-09-29
    About C & F FINANCIAL CORP

    C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. It operates through three segments: Community Banking, Mortgage Banking, and Consumer Finance. The Community Banking segment offers various banking services, such as checking and savings deposit accounts; and business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet and mobile banking, peer-to-peer payment capabilities, debit cards, safe deposit box rentals, notary public, electronic transfer, and other customary bank services, as well as wealth management services; and engages in owning equity interests in an independent insurance agency, and a full-service title and settlement agency. The Mortgage Banking segment offers various residential mortgage loans, which are originated for sale to investors in the secondary mortgage market; originates conventional mortgage loans, mortgage loans insured by the Federal Housing Administration, and mortgage loans guaranteed by the United States Department of Agriculture and the Veterans Administration. This segment also provides mortgage loan origination functions as a service to third party mortgage lenders and other community banks; and ancillary mortgage loan production services to third parties for residential appraisals. The Consumer Finance segment offers automobile financing through lending programs to serve customers in both the prime and non-prime markets. C&F Financial Corporation was founded in 1927 and is based in Toano, Virginia.

    Company website

    Financial statements

    Income YTD

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USD
    Total Revenue99,823,000USD
    Interest Income79,497,000USD
    Interest Expense22,698,000USD
    Net Interest Income56,799,000USD
    Non Interest Income20,326,000USD
    Revenue Net Of Interest Expense77,125,000USD
    Provision For Credit Losses6,250,000USD
    Non Interest Expense51,662,000USD
    Labor And Related Expense30,858,000USD
    Professional Fees1,860,000USD
    Income Before Tax19,213,000USD
    Income Tax Expense3,793,000USD
    Net Income15,420,000USD
    Minority Interest110,000USD
    Net Income Applicable To Common Shares15,310,000USD
    Source0000913341-26-000043DeterministicFinal

    Income Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USD
    Total Revenue52,127,000USD47,695,999USD47,687,000USD46,599,000USD46,833,000USD42,671,000USD42,464,000USD43,851,000USD
    Interest Income40,351,000USD39,146,000USD39,321,000USD38,783,000USD37,407,000USD35,988,000USD36,443,000USD36,131,000USD
    Interest Expense11,261,000USD11,437,000USD11,803,000USD11,609,000USD10,899,000USD10,978,000USD11,343,000USD11,442,000USD
    Net Interest Income29,090,000USD27,709,000USD27,518,000USD27,174,000USD26,508,000USD25,010,000USD25,100,000USD24,689,000USD
    Non Interest Income11,776,000USD———————
    Revenue Net Of Interest Expense40,866,000USD———————
    Provision For Credit Losses2,650,000USD———————
    Non Interest Expense27,347,000USD———————
    Labor And Related Expense16,501,000USD———————
    Professional Fees943,000USD———————
    Income Before Tax10,869,000USD8,344,000USD8,093,000USD8,828,000USD9,626,000USD6,524,000USD7,234,000USD6,670,000USD
    Income Tax Expense2,243,000USD1,550,000USD1,377,000USD1,715,000USD1,859,000USD1,129,000USD1,205,000USD1,250,000USD
    Net Income8,626,000USD6,747,000USD6,701,000USD7,075,000USD7,691,000USD5,368,000USD6,037,000USD5,389,000USD
    Minority Interest63,000USD-47,000USD-15,000USD-38,000USD-76,000USD-27,000USD8,000USD-31,000USD
    Net Income Applicable To Common Shares8,563,000USD———————
    Cost Of Revenue—15,037,000USD15,353,000USD14,509,000USD12,999,000USD13,978,000USD14,843,000USD15,142,000USD
    Gross Profit—32,658,999USD32,334,000USD32,090,000USD33,834,000USD28,693,000USD27,621,000USD28,709,000USD
    Selling General Administrative—917,000USD14,027,000USD14,669,000USD15,124,000USD13,811,000USD12,964,000USD14,213,000USD
    Selling And Marketing Expenses—547,000USD—660,000USD549,000USD529,000USD269,000USD460,000USD
    Unclassified Operating Expenses—22,851,000USD10,214,000USD7,933,000USD8,535,000USD7,829,000USD7,154,000USD7,366,000USD
    Total Operating Expenses—24,315,000USD24,241,000USD23,262,000USD24,208,000USD22,169,000USD20,387,000USD22,039,000USD
    Operating Income—8,344,000USD8,093,000USD8,828,000USD9,626,000USD6,524,000USD7,234,000USD6,670,000USD
    Tax Provision—1,550,000USD1,377,000USD1,715,000USD1,859,000USD1,129,000USD1,205,000USD1,250,000USD
    Net Income From Continuing Ops—6,794,000USD6,716,000USD7,113,000USD7,767,000USD5,395,000USD6,029,000USD5,420,000USD
    Ebit—8,344,000USD8,093,000USD8,828,000USD9,626,000USD6,524,000USD7,234,000USD6,670,000USD
    Ebitda—9,122,000USD9,064,000USD9,796,000USD10,622,000USD7,512,000USD8,250,000USD7,615,000USD
    Depreciation And Amortization—778,000USD971,000USD968,000USD996,000USD988,000USD1,016,000USD945,000USD
    Reconciled Depreciation—940,000USD971,000USD968,000USD996,000USD988,000USD1,016,000USD945,000USD
    Total Other Income Expense Net——————945,000USD-945,000USD
    Source0000913341-26-000043DeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Income Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USD
    Total Revenue186,130,000USD166,511,000USD149,758,000USD123,450,000USD139,975,000USD148,213,000USD124,787,000USD117,472,000USD
    Cost Of Revenue56,839,000USD56,069,000USD34,705,000USD11,062,000USD8,934,000USD24,462,000USD23,071,000USD22,033,000USD
    Gross Profit129,291,000USD110,442,000USD115,053,000USD112,388,000USD131,041,000USD123,751,000USD101,716,000USD95,439,000USD
    Selling General Administrative56,776,000USD55,410,000USD56,535,000USD48,916,000USD59,642,000USD57,668,000USD47,201,000USD42,003,000USD
    Unclassified Operating Expenses39,444,000USD29,686,000USD27,806,000USD24,703,000USD31,794,000USD35,201,000USD28,802,000USD29,294,000USD
    Total Operating Expenses96,220,000USD86,309,000USD85,889,000USD75,424,000USD92,959,000USD94,532,000USD77,784,000USD72,898,000USD
    Operating Income33,071,000USD24,133,000USD29,164,000USD36,964,000USD38,082,000USD29,219,000USD23,932,000USD22,541,000USD
    Interest Income151,499,000USD139,594,000USD120,134,000USD101,354,000USD93,728,000USD96,913,000USD95,010,000USD92,548,000USD
    Interest Expense45,289,000USD42,819,000USD26,430,000USD7,890,000USD8,359,000USD13,382,000USD14,556,000USD11,027,000USD
    Net Interest Income106,210,000USD96,775,000USD99,742,000USD93,464,000USD85,369,000USD83,531,000USD80,454,000USD81,521,000USD
    Income Before Tax33,071,000USD24,133,000USD29,164,000USD36,964,000USD38,082,000USD29,219,000USD23,932,000USD22,541,000USD
    Income Tax Expense6,080,000USD4,215,000USD5,418,000USD7,595,000USD8,959,000USD6,795,000USD5,082,000USD4,521,000USD
    Tax Provision6,080,000USD4,215,000USD6,760,000USD7,595,000USD8,959,000USD6,795,000USD5,082,000USD4,521,000USD
    Net Income26,835,000USD19,834,000USD23,604,000USD29,159,000USD28,667,000USD22,117,000USD18,859,000USD18,020,000USD
    Net Income From Continuing Ops26,991,000USD19,918,000USD28,964,000USD29,369,000USD29,123,000USD22,424,000USD18,850,000USD18,020,000USD
    Ebit33,071,000USD24,133,000USD29,164,000USD36,964,000USD38,082,000USD29,219,000USD23,932,000USD22,541,000USD
    Ebitda36,607,000USD27,990,000USD33,043,000USD41,320,000USD42,823,000USD33,408,000USD27,798,000USD26,212,000USD
    Depreciation And Amortization3,536,000USD3,857,000USD3,879,000USD4,356,000USD4,741,000USD4,189,000USD3,866,000USD3,671,000USD
    Reconciled Depreciation3,923,000USD3,857,000USD3,970,000USD4,356,000USD4,741,000USD4,189,000USD3,866,000USD3,671,000USD
    Minority Interest-156,000USD-84,000USD-120,000USD-210,000USD456,000USD307,000USD-9,000USD481,000USD
    Selling And Marketing Expenses—1,213,000USD1,548,000USD1,805,000USD1,523,000USD1,663,000USD1,781,000USD1,601,000USD
    Total Other Income Expense Net—-94,735,000USD-10,181,000USD-7,680,000USD-281,000USD-2,197,000USD-22,556,000USD-23,019,000USD
    Net Income Applicable To Common Shares———29,159,000USD28,667,000USD22,117,000USD18,859,000USD18,020,000USD
    Research Development———————0USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USDQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USD
    Total Assets2,809,968,000USD2,813,748,000USD2,768,494,000USD2,711,292,000USD2,686,392,000USD2,612,530,000USD2,563,374,000USD2,550,904,000USD
    Cash And Equivalents62,110,000USD———————
    Total Liabilities2,531,576,000USD———————
    Total Stockholder Equity277,785,000USD265,470,000USD261,753,000USD253,283,000USD240,313,000USD234,634,000USD226,360,000USD227,340,000USD
    Total Equity Including Noncontrolling Interest278,392,000USD———————
    Property Plant Equipment Net40,329,000USD38,727,000USD39,200,000USD39,259,000USD39,329,000USD39,580,000USD40,118,000USD42,128,000USD
    Goodwill25,191,000USD———————
    Intangible Assets859,000USD884,000USD909,000USD959,000USD1,022,000USD1,084,000USD1,147,000USD1,211,000USD
    Common Stock3,151,000USD3,148,000USD3,145,000USD3,131,000USD3,130,000USD3,123,000USD3,114,000USD3,114,000USD
    Retained Earnings280,884,000USD273,883,000USD268,696,000USD263,482,000USD257,896,000USD251,694,000USD247,814,000USD243,194,000USD
    Accumulated Other Comprehensive Income-7,487,000USD-12,577,000USD-11,166,000USD-14,401,000USD-21,301,000USD-20,291,000USD-24,604,000USD-19,467,000USD
    Other Current Assets—-413,640,000USD—132,077,000USD——-10,592,000USD60,209,000USD
    Total Liab—2,547,636,000USD2,506,146,000USD2,457,405,000USD2,445,476,000USD2,377,259,000USD2,336,404,000USD2,322,946,000USD
    Other Current Liab—-4,642,000USD2,345,723,000USD2,298,035,000USD2,256,314,000USD2,216,654,000USD2,170,860,000USD2,135,891,000USD
    Capital Stock—3,148,000USD3,145,000USD3,131,000USD3,130,000USD3,123,000USD3,114,000USD3,114,000USD
    Good Will—25,191,000USD25,191,000USD25,191,000USD25,191,000USD25,191,000USD25,191,000USD25,191,000USD
    Other Assets—2,132,135,000USD2,205,696,000USD2,165,589,000USD—2,074,503,000USD2,033,819,000USD1,620,529,000USD
    Cash—77,427,000USD79,132,000USD96,091,000USD80,195,000USD75,958,000USD65,586,000USD49,193,000USD
    Cash And Short Term Investments—428,926,000USD406,363,000USD322,205,000USD373,691,000USD315,031,000USD132,040,000USD458,238,000USD
    Total Current Assets—27,038,000USD418,089,000USD333,170,000USD384,625,000USD325,629,000USD142,632,000USD468,436,000USD
    Total Current Liabilities—20,000,000USD2,369,468,000USD2,322,849,000USD2,303,028,000USD2,256,494,000USD2,204,257,000USD2,188,501,000USD
    Net Debt—25,824,000USD34,203,000USD17,315,000USD65,940,000USD43,497,000USD57,023,000USD93,133,000USD
    Short Term Debt—20,000,000USD20,000,000USD20,000,000USD42,642,000USD35,909,000USD28,994,000USD48,643,000USD
    Short Long Term Debt—20,000,000USD20,000,000USD20,000,000USD42,642,000USD35,909,000USD28,994,000USD48,643,000USD
    Short Long Term Debt Total—103,251,000USD113,335,000USD113,406,000USD146,135,000USD119,455,000USD122,609,000USD142,326,000USD
    Long Term Debt—83,251,000USD93,335,000USD93,406,000USD103,493,000USD83,546,000USD93,615,000USD93,683,000USD
    Long Term Investments—351,499,000USD327,231,000USD226,114,000USD293,496,000USD239,073,000USD418,625,000USD409,045,000USD
    Short Term Investments—351,499,000USD327,231,000USD226,114,000USD293,496,000USD239,073,000USD66,454,000USD409,045,000USD
    Net Receivables—11,752,000USD11,726,000USD10,965,000USD10,934,000USD10,598,000USD10,592,000USD10,198,000USD
    Accounts Payable—4,642,000USD3,745,000USD4,814,000USD4,072,000USD3,931,000USD4,403,000USD3,967,000USD
    Common Stock Shares Outstanding—3,248,485shares3,237,634shares3,238,057shares3,238,765shares3,234,935shares3,226,999shares3,258,420shares
    Non Current Assets Total—2,786,710,000USD2,350,405,000USD2,378,122,000USD2,301,767,000USD2,286,901,000USD2,420,742,000USD2,082,468,000USD
    Non Current Liabilities Total—2,527,636,000USD136,678,000USD134,556,000USD142,448,000USD120,765,000USD132,147,000USD134,445,000USD
    Non Currrent Assets Other—615,990,000USD215,256,000USD295,411,000USD222,504,000USD273,892,000USD83,973,000USD83,752,000USD
    Unclassified Current Assets—-413,640,000USD—-132,077,000USD———-60,209,000USD
    Unclassified Non Current Assets—-377,716,000USD-463,078,000USD-374,401,000USD1,720,225,000USD-366,422,000USD-182,131,000USD-99,388,000USD
    Unclassified Current Liabilities—-24,642,000USD——-42,642,000USD-35,909,000USD-28,994,000USD-48,643,000USD
    Unclassified Non Current Liabilities—2,444,385,000USD43,343,000USD41,150,000USD38,955,000USD37,219,000USD38,532,000USD40,762,000USD
    Property Plant Equipment Gross——83,356,000USD———81,590,000USD—
    Unclassified Equity————-2,542,000USD-3,015,000USD-3,078,000USD-2,615,000USD
    Inventory———————-60,209,000USD
    Source0000913341-26-000043DeterministicFinalLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Balance sheet Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USD
    Total Assets2,768,494,000USD2,563,374,000USD2,438,498,000USD2,332,317,000USD2,264,521,000USD2,086,310,000USD1,657,454,000USD1,521,411,000USD
    Intangible Assets909,000USD1,147,000USD1,407,000USD1,679,000USD1,977,000USD2,291,000USD912,000USD1,142,000USD
    Total Liab2,506,146,000USD2,336,404,000USD2,220,982,000USD2,136,084,000USD2,053,497,000USD1,891,839,000USD1,492,183,000USD1,369,453,000USD
    Total Stockholder Equity261,753,000USD226,360,000USD216,878,000USD195,634,000USD210,318,000USD193,805,000USD165,271,000USD151,958,000USD
    Other Current Liab2,345,723,000USD2,170,860,000USD2,066,130,000USD2,003,860,000USD1,914,614,000USD1,752,173,000USD-92,680,000USD1,181,661,000USD
    Common Stock3,145,000USD3,114,000USD3,238,000USD3,331,000USD3,405,000USD3,514,000USD3,296,000USD3,358,000USD
    Capital Stock3,145,000USD3,114,000USD3,238,000USD3,331,000USD3,405,000USD3,514,000USD3,296,000USD3,358,000USD
    Retained Earnings268,696,000USD247,814,000USD233,760,000USD217,214,000USD193,811,000USD170,819,000USD154,248,000USD140,520,000USD
    Good Will25,191,000USD25,191,000USD25,191,000USD25,191,000USD25,191,000USD25,191,000USD14,425,000USD14,425,000USD
    Other Assets2,205,696,000USD2,033,819,000USD-409,912,000USD1,722,346,000USD1,171,853,000USD2,086,310,000USD1,055,181,000USD1,788,988,000USD
    Cash79,132,000USD65,586,000USD75,159,000USD26,661,000USD267,745,000USD86,669,000USD165,433,000USD115,013,000USD
    Cash And Short Term Investments406,363,000USD132,040,000USD537,603,000USD539,252,000USD640,818,000USD373,058,000USD355,166,000USD329,923,000USD
    Total Current Assets418,089,000USD142,632,000USD548,001,000USD548,234,000USD647,628,000USD381,161,000USD361,942,000USD337,359,000USD
    Total Current Liabilities2,369,468,000USD2,204,257,000USD2,127,846,000USD2,041,402,000USD1,950,064,000USD1,773,737,000USD92,680,000USD1,197,498,000USD
    Net Debt34,203,000USD57,023,000USD34,380,000USD65,423,000USD-177,284,000USD-10,500,000USD-4,263,000USD44,678,000USD
    Short Term Debt20,000,000USD28,994,000USD58,223,000USD36,592,000USD34,735,000USD20,455,000USD91,389,000USD14,917,000USD
    Short Long Term Debt20,000,000USD28,994,000USD58,223,000USD36,592,000USD34,735,000USD20,455,000USD91,389,000USD14,917,000USD
    Short Long Term Debt Total113,335,000USD122,609,000USD109,539,000USD92,084,000USD90,461,000USD76,169,000USD236,199,000USD159,691,000USD
    Long Term Debt93,335,000USD93,615,000USD51,316,000USD55,492,000USD55,726,000USD55,714,000USD144,810,000USD144,774,000USD
    Long Term Investments327,231,000USD418,625,000USD462,444,000USD512,591,000USD1,825,271,000USD1,813,905,000USD1,362,551,000USD1,284,902,000USD
    Short Term Investments327,231,000USD66,454,000USD462,444,000USD512,591,000USD373,073,000USD286,389,000USD189,733,000USD214,910,000USD
    Net Receivables11,726,000USD10,592,000USD10,398,000USD8,982,000USD6,810,000USD8,103,000USD6,776,000USD7,436,000USD
    Accounts Payable3,745,000USD4,403,000USD3,493,000USD950,000USD715,000USD1,109,000USD1,291,000USD920,000USD
    Property Plant Equipment Net39,200,000USD40,118,000USD41,914,000USD43,849,000USD44,799,000USD44,132,000USD35,261,000USD37,100,000USD
    Property Plant Equipment Gross83,356,000USD81,590,000USD82,313,000USD81,174,000USD79,396,000USD44,132,000USD35,261,000USD37,100,000USD
    Accumulated Other Comprehensive Income-11,166,000USD-24,604,000USD-26,687,000USD-36,958,000USD-2,087,000USD-1,955,000USD-2,249,000USD-4,672,000USD
    Common Stock Shares Outstanding3,237,634shares3,300,000shares3,412,000shares3,517,000shares3,604,119shares3,649,000shares3,450,745shares3,501,000shares
    Non Current Assets Total2,350,405,000USD2,420,742,000USD1,890,497,000USD1,784,083,000USD1,616,893,000USD1,705,149,000USD240,331,000USD1,184,052,000USD
    Non Current Liabilities Total136,678,000USD132,147,000USD93,136,000USD94,682,000USD103,433,000USD118,102,000USD69,781,000USD171,955,000USD
    Non Currrent Assets Other215,256,000USD83,973,000USD86,590,000USD81,891,000USD79,120,000USD92,464,000USD-11,219,000USD49,200,000USD
    Unclassified Non Current Assets-463,078,000USD-182,131,000USD1,272,951,000USD-603,464,000USD-1,531,318,000USD-2,359,144,000USD-2,227,999,000USD-1,991,705,000USD
    Unclassified Non Current Liabilities43,343,000USD38,532,000USD41,820,000USD9,293,000USD-48,422,000USD-63,497,000USD-146,468,000USD-25,574,000USD
    Unclassified Current Liabilities—-28,994,000USD-58,223,000USD-36,592,000USD-34,735,000USD-20,455,000USD-91,389,000USD-14,917,000USD
    Unclassified Equity—-3,078,000USD3,329,000USD8,716,000USD11,784,000USD17,913,000USD6,680,000USD9,394,000USD
    Other Current Assets——731,557,000USD35,995,000USD275,580,000USD95,970,000USD173,312,000USD916,475,000USD
    Current Deferred Revenue——-3,493,000USD————-470,637,000USD
    Inventory——99,141,000USD-35,995,000USD-275,580,000USD-95,970,000USD-173,312,000USD617,000USD
    Unclassified Current Assets——-830,698,000USD-35,995,000USD-275,580,000USD-95,970,000USD-601,087,000USD-1,278,019,000USD
    Other Liab———29,897,000USD48,422,000USD63,497,000USD32,997,000USD25,574,000USD
    Net Tangible Assets———168,764,000USD211,024,000USD166,323,000USD149,461,000USD137,533,000USD
    Non Current Liabilities Other————47,707,000USD62,388,000USD38,442,000USD27,181,000USD
    Earning Assets——————427,775,000USD360,927,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow YTD

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ2 20262026-06-30 · USD
    Net Income15,420,000USD
    Depreciation1,890,000USD
    Stock Based Compensation1,061,000USD
    Deferred Income Tax-4,000USD
    Operating Cash Flow17,122,000USD
    Capital Expenditures-2,730,000USD
    Net Investments-2,306,000USD
    Other Investing Activities922,000USD
    Unclassified Investing Cash Flow-50,257,000USD
    Investing Cash Flow-54,371,000USD
    Net Debt Issuance5,000,000USD
    Net Common Stock Issuance-981,000USD
    Common Dividends Paid-3,122,000USD
    Other Financing Activities-305,000USD
    Unclassified Financing Cash Flow19,635,000USD
    Financing Cash Flow20,227,000USD
    Effect Of Forex Changes On Cash0USD
    Change In Cash-17,022,000USD
    End Cash Flow62,110,000USD
    Source0000913341-26-000043DeterministicFinal

    Cash flow Quarterly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricQ1 20262026-03-31 · USDQ4 20252025-12-31 · USDQ3 20252025-09-30 · USDQ2 20252025-06-30 · USDQ1 20252025-03-31 · USDQ4 20242024-12-31 · USDQ3 20242024-09-30 · USDQ2 20242024-06-30 · USD
    Net Income6,747,000USD6,716,000USD7,113,000USD7,767,000USD5,395,000USD6,029,000USD5,420,000USD5,034,000USD
    Depreciation778,000USD971,000USD968,000USD996,000USD988,000USD1,016,000USD945,000USD959,000USD
    Stock Based Compensation514,000USD487,000USD444,000USD455,000USD461,000USD465,000USD485,000USD463,000USD
    Other Non Cash Items-15,434,000USD-6,268,000USD15,382,000USD-15,245,000USD-3,704,000USD25,946,000USD-7,869,000USD-7,630,000USD
    Change To Account Receivables-26,000USD-348,000USD-31,000USD-336,000USD-6,000USD-394,000USD318,000USD79,000USD
    Change In Working Capital-173,000USD1,781,000USD-469,000USD1,639,000USD71,000USD2,038,000USD1,423,000USD2,869,000USD
    Total Cash From Operating Activities-7,572,000USD2,229,000USD23,438,000USD-4,388,000USD3,211,000USD35,494,000USD404,000USD1,695,000USD
    Capital Expenditures-322,000USD-1,100,000USD-740,000USD-566,000USD-267,000USD-430,000USD-2,032,000USD-539,000USD
    Free Cash Flow-7,894,000USD1,129,000USD22,698,000USD-4,954,000USD2,944,000USD35,064,000USD-1,628,000USD1,156,000USD
    Investments-14,192,000USD-15,494,000USD4,458,000USD-56,073,000USD-33,539,000USD-31,936,000USD-44,482,000USD-22,601,000USD
    Total Cashflows From Investing Activities-35,583,000USD-64,760,000USD-14,983,000USD-56,073,000USD-33,539,000USD-31,936,000USD-44,482,000USD-22,601,000USD
    Net Borrowings-10,000,000USD-28,994,000USD-12,000,000USD26,733,000USD-3,085,000USD-19,648,000USD23,594,000USD—
    Total Cash From Financing Activities41,450,000USD45,572,000USD7,441,000USD64,698,000USD40,700,000USD12,835,000USD48,605,000USD10,365,000USD
    Dividends Paid-1,560,000USD-1,487,000USD-1,489,000USD-1,489,000USD-1,488,000USD-1,417,000USD-1,426,000USD-1,455,000USD
    Sale Purchase Of Stock-614,000USD-507,000USD0USD-10,000USD-426,000USD-969,000USD-3,249,000USD-3,512,000USD
    Change In Cash-1,705,000USD-16,959,000USD15,896,000USD4,237,000USD10,372,000USD16,393,000USD4,527,000USD-10,541,000USD
    Begin Period Cash Flow79,132,000USD96,091,000USD80,195,000USD75,958,000USD65,586,000USD49,193,000USD44,666,000USD55,207,000USD
    End Period Cash Flow77,427,000USD79,132,000USD96,091,000USD80,195,000USD75,958,000USD65,586,000USD49,193,000USD44,666,000USD
    Other Cashflows From Investing Activities-21,069,000USD-64,760,000USD-18,701,000USD-51,581,000USD-26,200,000USD-13,481,000USD-48,317,000USD-49,415,000USD
    Other Cashflows From Financing Activities53,624,000USD47,566,000USD41,572,000USD39,464,000USD45,699,000USD34,869,000USD29,686,000USD18,088,000USD
    Unclassified Operating Cash Flow—-1,458,000USD——————
    Unclassified Investing Cash Flow—16,594,000USD—52,147,000USD26,467,000USD13,911,000USD50,349,000USD49,954,000USD
    Unclassified Financing Cash Flow—28,994,000USD-20,642,000USD————-2,756,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Cash flow Yearly

    Exact reported values; units shown beside each amount. Missing values are —.
    MetricFY 20252025-12-31 · USDFY 20242024-12-31 · USDFY 20232023-12-31 · USDFY 20222022-12-31 · USDFY 20212021-12-31 · USDFY 20202020-12-31 · USDFY 20192019-12-31 · USDFY 20182018-12-31 · USD
    Net Income26,991,000USD19,918,000USD23,746,000USD29,369,000USD29,123,000USD22,424,000USD18,850,000USD18,020,000USD
    Depreciation3,536,000USD3,857,000USD3,879,000USD4,356,000USD4,741,000USD4,189,000USD3,866,000USD3,671,000USD
    Stock Based Compensation1,847,000USD1,923,000USD1,994,000USD1,973,000USD1,697,000USD1,447,000USD1,466,000USD1,345,000USD
    Other Non Cash Items-9,096,000USD5,311,000USD9,489,000USD63,551,000USD125,821,000USD-114,927,000USD-40,548,000USD19,955,000USD
    Change To Account Receivables-1,134,000USD-194,000USD-1,416,000USD-2,172,000USD1,293,000USD-897,000USD660,000USD153,000USD
    Change In Working Capital1,058,000USD7,005,000USD-1,199,000USD-9,398,000USD-3,905,000USD7,310,000USD848,000USD3,931,000USD
    Total Cash From Operating Activities24,490,000USD38,488,000USD38,811,000USD90,559,000USD157,387,000USD-80,374,000USD-15,164,000USD47,554,000USD
    Capital Expenditures-2,329,000USD-3,486,000USD-1,459,000USD-3,394,000USD-4,786,000USD-10,228,000USD-2,706,000USD-3,374,000USD
    Free Cash Flow22,161,000USD35,002,000USD37,352,000USD87,165,000USD152,601,000USD-90,602,000USD-17,870,000USD44,180,000USD
    Investments-22,034,000USD-148,640,000USD-120,732,000USD-411,279,000USD-150,587,000USD-189,511,000USD-30,756,000USD-44,445,000USD
    Total Cashflows From Investing Activities-169,355,000USD-148,640,000USD-56,339,000USD-411,279,000USD-138,693,000USD-183,286,000USD-35,929,000USD-47,523,000USD
    Net Borrowings-8,994,000USD10,772,000USD17,632,000USD1,857,000USD14,280,000USD-97,707,000USD1,444,000USD-8,205,000USD
    Total Cash From Financing Activities158,411,000USD100,579,000USD66,026,000USD79,636,000USD162,382,000USD184,896,000USD101,513,000USD-4,441,000USD
    Dividends Paid-5,953,000USD-5,780,000USD-5,986,000USD-5,756,000USD-5,675,000USD-5,546,000USD-5,131,000USD-4,931,000USD
    Sale Purchase Of Stock-943,000USD-8,761,000USD-7,758,000USD-5,373,000USD-8,232,000USD-1,061,000USD-4,385,000USD-1,537,000USD
    Change In Cash13,546,000USD-9,573,000USD48,498,000USD-241,084,000USD181,076,000USD-78,764,000USD50,420,000USD-4,410,000USD
    Begin Period Cash Flow65,586,000USD75,159,000USD26,661,000USD267,745,000USD86,669,000USD165,433,000USD115,013,000USD119,423,000USD
    End Period Cash Flow79,132,000USD65,586,000USD75,159,000USD26,661,000USD267,745,000USD86,669,000USD165,433,000USD115,013,000USD
    Other Cashflows From Investing Activities-144,992,000USD-189,360,000USD-116,417,000USD3,293,000USD16,680,000USD16,453,000USD-2,467,000USD-43,894,000USD
    Other Cashflows From Financing Activities174,301,000USD104,348,000USD62,138,000USD90,765,000USD176,289,000USD-176,000USD-4,000USD10,232,000USD
    Unclassified Investing Cash Flow—192,846,000USD182,269,000USD————44,190,000USD
    Change To Liabilities———0USD-6,481,000USD1,325,000USD51,000USD-243,000USD
    Unclassified Financing Cash Flow———-1,857,000USD-14,280,000USD289,386,000USD109,589,000USD—
    Cash And Cash Equivalents Changes————181,076,000USD-78,764,000USD50,420,000USD-4,410,000USD
    Issuance Of Capital Stock———————144,000USD
    SourceLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacyLegacy providerLegacy

    Operating metrics

    Average borrowings

    Period endPeriodValueUnitSource
    2026-06-30quarterly103.5USD millionsDisclosure

    Average cost of borrowings

    Period endPeriodValueUnitSource
    2026-06-30quarterly5.77percentDisclosure

    Average cost of interest-bearing deposits

    Period endPeriodValueUnitSource
    2026-06-30quarterly2.16percentDisclosure

    Average interest-bearing transaction deposits

    Period endPeriodValueUnitSource
    2026-06-30quarterly895.1USD millionsDisclosure

    Average loan yield

    Period endPeriodValueUnitSource
    2026-06-30quarterly6.68percentDisclosure

    Average loans

    Period endPeriodValueUnitSource
    2026-06-30quarterly2.14USD billionsDisclosure

    Average noninterest-bearing demand deposits

    Period endPeriodValueUnitSource
    2026-06-30quarterly567.8USD millionsDisclosure

    Average time deposits

    Period endPeriodValueUnitSource
    2026-06-30quarterly920.7USD millionsDisclosure

    Bank loan commitments

    Period endPeriodValueUnitSource
    2026-06-30instant463.28USD millionsDisclosure

    Brokered time deposits

    Period endPeriodValueUnitSource
    2026-06-30instant18USD millionsDisclosure

    Consumer finance automobile payment deferral rate

    Period endPeriodValueUnitSource
    2026-06-30quarterly1.4percentDisclosure

    Consumer finance delinquent loan rate

    Period endPeriodValueUnitSource
    2026-06-30instant3.56percentDisclosure

    Consumer finance net charge-off rate

    Period endPeriodValueUnitSource
    2026-06-30quarterly2.21percentDisclosure

    Lock-adjusted mortgage originations

    Period endPeriodValueUnitSource
    2026-06-30quarterly218,706USD thousandsDisclosure

    Mortgage interest-rate lock commitments

    Period endPeriodValueUnitSource
    2026-06-30instant74.42USD millionsDisclosure

    Net interest margin

    Period endPeriodValueUnitSource
    2026-06-30quarterly4.41percentDisclosure

    Purchase mortgage loan originations

    Period endPeriodValueUnitSource
    2026-06-30quarterly209,255USD thousandsDisclosure

    Refinancing mortgage loan originations

    Period endPeriodValueUnitSource
    2026-06-30quarterly24,479USD thousandsDisclosure

    Repossessed vehicles available for sale

    Period endPeriodValueUnitSource
    2026-06-30instant782USD thousandsDisclosure

    Return on average assets

    Period endPeriodValueUnitSource
    2026-06-30quarterly1.23percentDisclosure

    Return on average equity

    Period endPeriodValueUnitSource
    2026-06-30quarterly12.75percentDisclosure

    Return on average tangible common equity

    Period endPeriodValueUnitSource
    2026-06-30quarterly14.08percentDisclosure

    Standby letters of credit contract amount

    Period endPeriodValueUnitSource
    2026-06-30instant17.3USD millionsDisclosure

    Total mortgage loan originations

    Period endPeriodValueUnitSource
    2026-06-30quarterly233,734USD thousandsDisclosure

    Uninsured deposits

    Period endPeriodValueUnitSource
    2026-06-30instant726.4USD millionsDisclosure

    Uninsured deposits as a percentage of total deposits

    Period endPeriodValueUnitSource
    2026-06-30instant30.7percentDisclosure

    Revenue breakdown

    PeriodDimensionBusiness / regionRevenueCurrencySource
    Q1 2026Quarterly · 2026-03-31SegmentAll Other Segments-1,402,000USD0000913341-26-000028
    Q1 2026Quarterly · 2026-03-31SegmentCommunity Banking26,117,000USD0000913341-26-000028
    Q1 2026Quarterly · 2026-03-31SegmentConsumer Finance6,820,000USD0000913341-26-000028
    Q1 2026Quarterly · 2026-03-31SegmentMortgage Banking4,742,000USD0000913341-26-000028
    Q4 2025Quarterly · 2025-12-31SegmentAll Other Segments-794,000USDLegacy provider
    Q4 2025Quarterly · 2025-12-31SegmentCommunity Banking25,882,000USDLegacy provider
    Q4 2025Quarterly · 2025-12-31SegmentConsumer Finance6,976,000USDLegacy provider
    Q4 2025Quarterly · 2025-12-31SegmentMortgage Banking3,850,000USDLegacy provider
    FY 2025Yearly · 2025-12-31SegmentAll Other Segments-937,000USD0000913341-26-000010
    FY 2025Yearly · 2025-12-31SegmentCommunity Banking99,214,000USD0000913341-26-000010
    FY 2025Yearly · 2025-12-31SegmentConsumer Finance26,911,000USD0000913341-26-000010
    FY 2025Yearly · 2025-12-31SegmentMortgage Banking15,827,000USD0000913341-26-000010
    Q3 2025Quarterly · 2025-09-30SegmentAll Other Segments-237,000USD0000913341-25-000058
    Q3 2025Quarterly · 2025-09-30SegmentCommunity Banking25,622,000USD0000913341-25-000058
    Q3 2025Quarterly · 2025-09-30SegmentConsumer Finance6,760,000USD0000913341-25-000058
    Q3 2025Quarterly · 2025-09-30SegmentMortgage Banking3,958,000USD0000913341-25-000058
    Q2 2025Quarterly · 2025-06-30SegmentAll Other Segments469,000USD0000913341-25-000052
    Q2 2025Quarterly · 2025-06-30SegmentCommunity Banking24,723,000USD0000913341-25-000052
    Q2 2025Quarterly · 2025-06-30SegmentConsumer Finance6,557,000USD0000913341-25-000052
    Q2 2025Quarterly · 2025-06-30SegmentMortgage Banking4,631,000USD0000913341-25-000052
    Q1 2025Quarterly · 2025-03-31SegmentAll Other Segments-375,000USD0000913341-26-000028
    Q1 2025Quarterly · 2025-03-31SegmentCommunity Banking22,987,000USD0000913341-26-000028
    Q1 2025Quarterly · 2025-03-31SegmentConsumer Finance6,618,000USD0000913341-26-000028
    Q1 2025Quarterly · 2025-03-31SegmentMortgage Banking3,388,000USD0000913341-26-000028
    Q4 2024Quarterly · 2024-12-31SegmentAll Other Segments-1,381,000USDLegacy provider
    Q4 2024Quarterly · 2024-12-31SegmentCommunity Banking23,484,000USDLegacy provider
    Q4 2024Quarterly · 2024-12-31SegmentConsumer Finance7,008,000USDLegacy provider
    Q4 2024Quarterly · 2024-12-31SegmentMortgage Banking2,817,000USDLegacy provider
    FY 2024Yearly · 2024-12-31SegmentAll Other Segments-958,000USD0000913341-26-000010
    FY 2024Yearly · 2024-12-31SegmentCommunity Banking89,281,000USD0000913341-26-000010
    FY 2024Yearly · 2024-12-31SegmentConsumer Finance27,048,000USD0000913341-26-000010
    FY 2024Yearly · 2024-12-31SegmentMortgage Banking12,124,000USD0000913341-26-000010
    Q3 2024Quarterly · 2024-09-30SegmentAll Other Segments552,000USD0000913341-25-000058
    Q3 2024Quarterly · 2024-09-30SegmentCommunity Banking22,864,000USD0000913341-25-000058
    Q3 2024Quarterly · 2024-09-30SegmentConsumer Finance6,848,000USD0000913341-25-000058
    Q3 2024Quarterly · 2024-09-30SegmentMortgage Banking3,197,000USD0000913341-25-000058
    Q2 2024Quarterly · 2024-06-30SegmentAll Other Segments-424,000USD0000913341-25-000052
    Q2 2024Quarterly · 2024-06-30SegmentCommunity Banking21,659,000USD0000913341-25-000052
    Q2 2024Quarterly · 2024-06-30SegmentConsumer Finance6,715,000USD0000913341-25-000052
    Q2 2024Quarterly · 2024-06-30SegmentMortgage Banking3,344,000USD0000913341-25-000052
    FY 2023Yearly · 2023-12-31SegmentAll Other Segments11,000USD0000913341-26-000010
    FY 2023Yearly · 2023-12-31SegmentCommunity Banking90,668,000USD0000913341-26-000010
    FY 2023Yearly · 2023-12-31SegmentConsumer Finance25,400,000USD0000913341-26-000010
    FY 2023Yearly · 2023-12-31SegmentMortgage Banking11,281,000USD0000913341-26-000010
    FY 2022Yearly · 2022-12-31SegmentAll Other Segments-5,588,000USD0000913341-25-000016
    FY 2022Yearly · 2022-12-31SegmentCommunity Banking86,286,000USD0000913341-25-000016
    FY 2022Yearly · 2022-12-31SegmentConsumer Finance28,367,000USD0000913341-25-000016
    FY 2022Yearly · 2022-12-31SegmentMortgage Banking14,193,000USD0000913341-25-000016
    FY 2021Yearly · 2021-12-31SegmentAll Other Segments-142,000USD0000913341-24-000009
    FY 2021Yearly · 2021-12-31SegmentCommunity Banking71,917,000USD0000913341-24-000009
    FY 2021Yearly · 2021-12-31SegmentConsumer Finance29,346,000USD0000913341-24-000009
    FY 2021Yearly · 2021-12-31SegmentMortgage Banking34,250,000USD0000913341-24-000009
    FY 2020Yearly · 2020-12-31SegmentAll Other Segments429,000USD0000913341-23-000012
    FY 2020Yearly · 2020-12-31SegmentCommunity Banking67,928,000USD0000913341-23-000012
    FY 2020Yearly · 2020-12-31SegmentConsumer Finance30,715,000USD0000913341-23-000012
    FY 2020Yearly · 2020-12-31SegmentMortgage Banking39,152,000USD0000913341-23-000012
    FY 2019Yearly · 2019-12-31SegmentAll Other Segments973,000USD0000913341-22-000012
    FY 2019Yearly · 2019-12-31SegmentCommunity Banking62,352,000USD0000913341-22-000012
    FY 2019Yearly · 2019-12-31SegmentConsumer Finance31,785,000USD0000913341-22-000012
    FY 2019Yearly · 2019-12-31SegmentMortgage Banking16,787,000USD0000913341-22-000012
    FY 2010Yearly · 2010-12-31SegmentConsumer Portfolio38,071,000USD0001140361-13-010538
    FY 2010Yearly · 2010-12-31SegmentCorporate And Other1,273,000USD0001140361-13-010538
    FY 2010Yearly · 2010-12-31SegmentIntersegment Elimination-3,853,000USD0001140361-13-010538
    FY 2010Yearly · 2010-12-31SegmentMortgage Banking24,042,000USD0001140361-13-010538
    FY 2010Yearly · 2010-12-31SegmentRetail Banking40,015,000USD0001140361-13-010538

    Periods follow company fiscal calendars. Quarterly, annual and year-to-date amounts are shown separately. Missing values are not zero. Data may be delayed, incomplete or corrected; follow the disclosure links to verify figures.