C&F Financial Corporation Cash Flow Quality Index
C&F Financial Corporation 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 how well can C&F Financial Corporation service its debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of C&F Financial Corporation (1996–2025)
Cash flow quality index of C&F Financial Corporation from 1996 to 2025. Historical Cash Flow Quality Index for C&F Financial Corporation across 30 annual periods. Values consistently above 1.0x indicate high-quality earnings. See C&F Financial Corporation (CFFI) balance sheet quality index to measure how much of total assets are equity-financed.
C&F Financial Corporation Cash Flow Quality Index by Year (1996–2025)
C&F Financial Corporation cash flow quality index by year from 1996 to 2025. Year-by-year earnings quality comparison for C&F Financial Corporation. For the full cash flow conversion analysis, see cash efficiency ratio of 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 | — |