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 C&F Financial Corporation long-term investment allocation to see how much of total assets are deployed in long-term investments.
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. Check CFFI tangible net assets ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for C&F Financial Corporation (1996–2025)
Year-by-year earnings quality comparison for C&F Financial Corporation. For live market cap and the full company financial profile, see C&F Financial Corporation (CFFI) total market value.
| 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 | — |