C&F Financial Corporation (CFFI) — Cash Flow Quality Index
C&F Financial Corporation (CFFI) has a Cash Flow Quality Index of 0.33x as of December 2025. Operating cash flow of $2.23 Million is below net income of $6.72 Million, suggesting accrual-heavy earnings not yet converted to cash. Explore CFFI operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
C&F Financial Corporation Cash Flow Quality Index (1996–2025)
Historical Cash Flow Quality Index for C&F Financial Corporation across 30 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see CFFI cash generation efficiency.
Annual Cash Flow Quality Index for C&F Financial Corporation (1996–2025)
Year-by-year earnings quality comparison for C&F Financial Corporation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.91x | $24.49 Million | $26.99 Million | ▼ -53.0% |
| 2024 | 1.93x | $38.49 Million | $19.92 Million | ▲ +18.2% |
| 2023 | 1.63x | $38.81 Million | $23.75 Million | ▼ -47.0% |
| 2022 | 3.08x | $90.56 Million | $29.37 Million | ▼ -42.9% |
| 2021 | 5.40x | $157.39 Million | $29.12 Million | ▲ +250.8% |
| 2020 | -3.58x | $-80.37 Million | $22.42 Million | ▼ -345.6% |
| 2019 | -0.80x | $-15.16 Million | $18.85 Million | ▼ -130.5% |
| 2018 | 2.64x | $47.55 Million | $18.02 Million | ▼ -32.7% |
| 2017 | 3.92x | $25.77 Million | $6.57 Million | ▲ +95.7% |
| 2016 | 2.00x | $26.98 Million | $13.46 Million | ▲ +63.8% |
| 2015 | 1.22x | $15.33 Million | $12.53 Million | ▼ -55.8% |
| 2014 | 2.77x | $34.18 Million | $12.34 Million | ▼ -37.2% |
| 2013 | 4.41x | $63.64 Million | $14.44 Million | ▲ +146.5% |
| 2012 | 1.79x | $29.28 Million | $16.38 Million | ▼ -17.1% |
| 2011 | 2.16x | $27.99 Million | $12.98 Million | ▲ +230.5% |
| 2010 | -1.65x | $-13.41 Million | $8.11 Million | ▼ -128.7% |
| 2009 | 5.76x | $31.84 Million | $5.53 Million | ▲ +14.6% |
| 2008 | 5.03x | $21.02 Million | $4.18 Million | ▲ +26.4% |
| 2007 | 3.98x | $33.71 Million | $8.48 Million | ▲ +846.4% |
| 2006 | 0.42x | $5.09 Million | $12.13 Million | ▼ -82.7% |
| 2005 | 2.43x | $28.62 Million | $11.79 Million | ▲ +615.5% |
| 2004 | -0.47x | $-5.28 Million | $11.20 Million | ▼ -107.0% |
| 2003 | 6.70x | $86.56 Million | $12.92 Million | ▲ +410.9% |
| 2002 | -2.16x | $-21.05 Million | $9.76 Million | ▲ +55.8% |
| 2001 | -4.88x | $-38.98 Million | $7.99 Million | ▼ -295.4% |
| 2000 | 2.50x | $14.57 Million | $5.84 Million | ▼ -62.5% |
| 1999 | 6.66x | $45.30 Million | $6.80 Million | ▲ +225.4% |
| 1998 | -5.31x | $-32.40 Million | $6.10 Million | ▼ -550.7% |
| 1997 | -0.82x | $-4.00 Million | $4.90 Million | ▲ +22.8% |
| 1996 | -1.06x | $-4.30 Million | $4.06 Million | — |