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Unity Bancorp Inc vs Citizens Financial Services Inc vs Investar Holding Corp vs C & F Financial Corp

Latest annual figures from SEC filings. Each company is shown for its own most recent fiscal year, so period ends can differ. Select a figure to see its full history.

Latest fiscal year	Unity Bancorp Inc UNTY	Citizens Financial Services Inc CZFSRevenue covers only part of its income (partial revenue)	Investar Holding Corp ISTR	C & F Financial Corp CFFI
Year ended	2025-12-31	2025-12-31	2025-12-31	2025-12-31
Revenue	n/a	n/a	$93.63M	$140.84M
Revenue growth (YoY)	n/a	n/a	+7.1%	+10.6%
Gross margin	n/a	n/a	n/a	n/a
Operating margin	n/a	n/a	n/a	n/a
Net margin	n/a	n/a	24.5%	19.1%
Net income	$57.95M	$36.57M	$22.90M	$26.84M
EPS (Diluted)	$5.67	$7.62	$2.13	$8.29
Operating cash flow	$44.91M	$36.53M	$18.22M	$24.49M
Free cash flow	$44.34M	$35.24M	n/a	$22.16M
Cash & equivalents	n/a	$34.29M	n/a	n/a
Total assets	$2.97B	$3.06B	$2.83B	$2.77B
Total liabilities	$2.62B	$2.73B	$2.53B	$2.51B
Shareholders' equity	$345.63M	$338.05M	$301.07M	$261.75M
Return on year-end equity	16.8%	10.8%	7.6%	10.3%
Shares outstanding	9.98M	n/a	9.80M	3.25M

n/a means the company did not report that line under the concept TickerFacts maps, not that it is zero.

Revenue, most recent five fiscal years

Fiscal year	Unity Bancorp Inc	Citizens Financial Services Inc	Investar Holding Corp	C & F Financial Corp
Latest	n/a	n/a	$93.63M Ended 2025-12-31	$140.84M Ended 2025-12-31
1 year earlier	n/a	n/a	$87.44M Ended 2024-12-31	$127.31M Ended 2024-12-31
2 years earlier	n/a	n/a	$83.06M Ended 2023-12-31	$127.32M Ended 2023-12-31
3 years earlier	n/a	n/a	$105.21M Ended 2022-12-31	$122.68M Ended 2022-12-31
4 years earlier	n/a	n/a	$72.97M Ended 2021-12-31	$135.20M Ended 2021-12-31