C&F Financial Corporation

C&F Financial Corporation

CFFI
C&F Financial CorporationUS flagNASDAQ Global Select
72.24
USD
-0.83
- -
235.10MMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
28.22
28.61
- -
30.84
30.75
30.4
31.94
36.95
36.52
32.86
36.15
- -
- -
43.42
Basic EPS, GAAP
4.37
3.63
3.68
3.9
1.88
5.15
5.47
6.06
7.95
8.29
6.92
6.01
8.29
8.71
Free Cash Flow per Basic Share
18.14
9.51
3.98
7.03
6.19
12.62
-5.02
-24.83
42.34
24.78
10.95
10.09
6.84
3.49
Dividend per Share
1.16
1.19
1.22
1.29
1.33
1.41
1.49
1.52
1.57
1.64
1.75
1.75
1.84
1.86
Book Value per Share
31.02
32.63
35.12
37.2
37.51
41.09
45.66
47.78
54.72
62.71
69.46
76.05
83.97
85.48
Tangible Book Value per Share
28.67
31.32
33.81
35.47
36.05
38.96
43.45
45.77
51.01
48.15
55.95
60.81
72.97
74.06
Basic Weighted Avg Shares
3
3
3
3
3
4
3
4
4
4
3
3
3
3
Sales/Revenue/Turnover
93
97
- -
107
107
106
110
135
132
116
123
- -
- -
141
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
2
3
3
3
3
4
4
4
5
4
4
4
4
4
Net Income, GAAP
14
12
13
13
7
18
19
22
29
29
24
20
27
28
Effective Tax Rate (%)
33.05
29.41
27.92
24.89
63.42
20.06
21.24
23.26
23.53
20.55
18.58
17.47
18.38
18.63
Profit Margin (%)
15.49
12.68
- -
12.64
6.13
16.93
17.11
16.4
21.78
25.23
19.14
- -
- -
20.05
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
158
153
165
152
147
145
145
56
56
55
51
94
93
83
Total Equity
113
124
131
139
142
152
165
194
211
196
218
227
262
266
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
14.86
11.56
10.87
10.86
5.07
13.12
12.51
13.33
15.43
13.96
10.32
8.13
10.27
10.61

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
20
20
20
LT Borrowings
93
93
83
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
3
3
3
Market Capitalization
217
235
236

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
322
406
429
Accounts Receivable, Net
11
12
12
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
5
4
5
ST Debt
20
20
20
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
7.4%
6.46%
15.59%
Free Cash Flow
4.36%
-82.55%
-33.41%
Net Income, GAAP
18.4%
6.32%
35.3%
Sales/Revenue/Turnover
- -
- -
- -
Total Cash Common Dividend
3.73%
1.46%
2.99%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
30
31
32
31
- -
2025
32
36
35
35
- -
2026
35
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.01
1.5
1.65
1.87
6.01
2025
1.66
2.37
2.18
2.07
8.29
2026
2.08
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.44
0.44
0.44
0.44
1.75
2025
0.46
0.46
0.46
0.46
1.84
2026
0.48
- -
- -
- -
- -

Company Description

APIChat
CEO
Thomas F. Cherry
Full Time Employees
545
Sector
Financial Services
Industry
Banks - Regional
Address
3600 La Grange Parkway Toano VA United States of America 23168
IPO Date
May 7, 1998
Website
cffc.com
Business
C&F Financial Corporation operates as a financial holding entity for Citizens and Farmers Bank, delivering a broad spectrum of banking solutions to both individual clients and business ventures. The company's Community Banking division offers an extensive array of financial services, encompassing various checking and savings deposit options, certificates of deposit, and individual retirement accounts. This segment also extends commercial, real estate, development, home equity, and installment loans. Furthermore, it provides contemporary conveniences such as automated teller machines, comprehensive online and mobile banking platforms, digital payment solutions including Zelle, credit score monitoring, and both debit and credit cards, alongside traditional services like safe deposit box rentals and notary public functions. These community banking services are accessible through approximately 31 to 32 branch locations and several commercial loan offices situated across Virginia. The Mortgage Banking segment, primarily through C&F Mortgage Corporation, specializes in offering a wide range of residential mortgage products. These include conventional loans, those insured by the Federal Housing Administration, and loans backed by the United States Department of Agriculture and the Department of Veterans Affairs. This segment also provides innovative solutions such as construction-to-permanent financing and asset depletion mortgages, along with ancillary services like residential appraisals and loan settlement. Its mortgage origination services are available across the Mid-Atlantic region and other states. Through C&F Finance Company, the Consumer Finance segment focuses on indirect lending, providing financing for automobiles, marine vessels, and recreational vehicles. This specialized lending is designed to serve customers across a broad market spectrum, including those seeking non-prime auto financing, and extends its reach throughout the Mid-Atlantic, Midwest, and Southern United States. Beyond these core segments, the corporation also offers personalized wealth management and brokerage services through C&F Wealth Management, assisting clients with financial planning, investment management, and retirement and education strategies. Additionally, it provides various insurance products and services, as well as title and settlement agency functions. Established in 1927, C&F Financial Corporation maintains its headquarters in Toano, Virginia. The company has consistently demonstrated solid financial performance, reporting increased net income and loan originations across its key segments in recent periods, reinforcing its commitment to sustained growth and shareholder returns.

Company News

APIChat
  • C&F Financial Corporation Announces Quarterly Dividend

  • 2 Outperform Rated Regional Banks

  • C&F Financial Corporation Announces Sale of Interest in Bearing Insurance Group and Executes Strategic Restructuring of Securities Portfolio

  • C&F Financial Q1 Earnings Rise 25% Y/Y as Mortgage Growth Surges

  • C&F Financial Corporation Announces Net Income for First Quarter

  • C&F Financial Corporation Announces Increase in Quarterly Dividend

  • C&F Financial (NASDAQ:CFFI) Stock Price Crosses Above 200 Day Moving Average – Time to Sell?

  • C&F Financial Q4 Earnings Rise Y/Y on Loan Growth, Margin Gains

  • C&F Financial Corporation Announces Net Income for 2025

  • C&F Financial Corporation Announces Appointment of New Board Member

  • C&F Financial (NASDAQ:CFFI) Stock Passes Below 200 Day Moving Average – Time to Sell?

  • Contrasting Thomasville Bancshares (OTCMKTS:THVB) and C&F Financial (NASDAQ:CFFI)

  • C&F Financial Corporation Announces Quarterly Dividend

  • C&F Financial Q3 Profit Jumps 31% on Loan Growth and Margin Gains

  • Zacks Initiates Coverage of CFFI With Outperform Recommendation

  • C&F Financial Corporation Announces Net Income for Third Quarter and First Nine Months

  • A Turnaround Is Brewing At C&F Financial

  • C&F Financial Corporation Announces Quarterly Dividend

  • C&F Financial Corporation Announces Net Income for Second Quarter and First Six Months

  • C&F Announces Expansion into Southwest Virginia