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 cash flow conversion to assess how effectively this company generates cash.
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 cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
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 | — |