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C&F Financial Corporation CFFI R2K

Financial Services · Banks - Regional · United States
https://www.cffc.com
Company Profile ↓
$78.00
+23.26% 1Y
Mkt Cap$253.84M
P/E9.14
P/B0.94
Div. Yield2.44%
52W High$86.18
52W Low$61.55
Book Value$81.73
EPS (TTM)$8.53

Company Overview

C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. It operates through three segments: Community Banking, Mortgage Banking, and Consumer Finance. The Community Banking segment offers various banking services, such as checking and savings deposit accounts; and business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet and mobile banking, peer-to-peer payment capabilities, debit cards, safe deposit box rentals, notary public, electronic transfer, and other customary bank services, as well as wealth management services; and engages in owning equity interests in an independent insurance agency, and a full-service title and settlement agency. The Mortgage Banking segment offers various residential mortgage loans, which are originated for sale to investors in the secondary mortgage market; originates conventional mortgage loans, mortgage loans insured by the Federal Housing Administration, and mortgage loans guaranteed by the United States Department of Agriculture and the Veterans Administration. This segment also provides mortgage loan origination functions as a service to third party mortgage lenders and other community banks; and ancillary mortgage loan production services to third parties for residential appraisals. The Consumer Finance segment offers automobile financing through lending programs to serve customers in both the prime and non-prime markets. C&F Financial Corporation was founded in 1927 and is based in Toano, Virginia.

Why Investors Should Care

Consistent Profit Growth

Net profit has compounded at 10.4% per year over the last five years.

Reasonable Valuation

Trades at a P/E of 9.1, below the sector median of 13.5.

Healthy Margins

Maintains a net profit margin of 21.3%.

Dividend Income

Offers a dividend yield of 2.44%.

Positive Free Cash Flow

Generates positive free cash flow, funding growth and shareholder returns internally.

Recent Developments

  • Dec 2025 Revenue of $140.84M (+10.6% YoY); net profit $26.84M.
  • Trailing 12 Months Year-on-year growth — revenue +10.4%, earnings +25.2%.
  • 5-Year Trend Long-term compounding — revenue CAGR 2.3%, profit CAGR 10.4%.

Growth & Price Performance

Compounded Sales Growth

5 Years:2.34%
1 Year:10.40%

Compounded Profit Growth

5 Years:10.38%
1 Year:25.20%

Stock Price Performance

1 Year:+23.26%
6 Months:+13.70%
3 Months:+3.00%
1 Month:+1.67%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Bullish
52-Week Range 67% of range
$61.55 $86.18
Trend Signals
  • Price vs 50-DMAAbove
  • Price vs 200-DMAAbove
  • RSI (14)49.07 · Neutral
Price Performance
1M+1.67%
3M+3.00%
6M+13.70%
1Y+23.26%
Valuation vs Sector

P/E of 9.14 is below the sector median of 13.52 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.

PROS

  • Excellent profit margin of 21.3%.
  • Profit CAGR of 10.4% over 5 years.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
9.14
Industry PE
13.52
Forward P/E est.
7.30
PEG Ratio
-31.32
Book Value
$81.73
Price to Book
0.94
P/S
1.90
EV/EBITDA
-
Dividend Yield
2.44%

Growth (CAGR)

Revenue 5Y
2.34%
Profit 5Y
10.38%
Revenue (YoY)
10.40%
Earnings (YoY)
25.20%

Profitability & Returns

ROCE
-
ROE
11.32%
ROA
1.05%
Profit Margin
21.32%
Op Margin
25.55%
Gross Margin
0.00%
EPS (Latest Qtr)
$2.08
EPS (TTM)
$8.53

Balance Sheet & Liquidity

Debt/Equity
-
Quick Ratio
-
Current Ratio
-
Debt
$105.86M
Total Assets
$2.81B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
6.71%
Chg in Prom Hold
0.01%
FII / Inst Holding
41.45%
Chg in FII Hold
-0.00%

Financial Snapshot

Enterprise Value
$253.84M
Total Revenue (TTM)
$132.37M
EBITDA
-
Free Cash Flow
$22.16M
Operating Cash Flow
$13.71M
Shares Outstanding
3.25M
Gross Margin
0.00%
Payout Ratio
21.35%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 CFFI C&F Financial Corporation R2K 78.00 9.14 $253.84M 2.44% - 11.32% 2.34% 10.38%
2 JPM JPMorgan Chase & Co. SPX 346.91 16.61 $929.55B 1.87% - 16.47% 5.35% 7.56%
3 BRK-B Berkshire Hathaway Inc. SPX 488.35 14.54 $682.86B 0.00% - 10.50% 4.18% 9.44%
4 V Visa Inc. SPX 355.14 30.99 $589.43B 0.75% 37.15% 60.35% 14.33% 13.04%
5 MA Mastercard Incorporated SPX 535.21 30.99 $469.40B 0.65% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPX 61.59 15.28 $432.24B 1.88% - 10.64% 6.00% 3.49%
7 MS Morgan Stanley SPX 228.55 20.70 $360.49B 1.76% - 16.39% 3.76% 9.66%
8 GS The Goldman Sachs Group, Inc. SPX 1,152.07 17.79 $339.87B 1.58% - 16.95% - 2.21%
9 WFC Wells Fargo & Company SPX 87.51 13.53 $267.80B 2.11% - 12.03% 4.02% 15.98%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Dec 2014Mar 2015Jun 2015Sep 2015Dec 2015Mar 2016Jun 2016Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Mar 2021Jun 2021Sep 2021Mar 2022Jun 2022Sep 2022Mar 2023Jun 2023Sep 2023Mar 2024Jun 2024Sep 2024Mar 2025Jun 2025Sep 2025Mar 2026
Revenue -25.90M26.86M27.58M-27.13M30.03M29.41M-28.29M29.84M29.55M-29.19M29.89M30.32M-30.05M32.48M32.22M-27.35M32.08M37.78M34.75M34.56M33.38M27.20M28.29M30.51M32.59M32.31M30.68M30.65M31.15M33.46M32.58M36.36M36.02M36.26M
Net Income 2.42M2.65M4.10M3.48M2.31M2.48M4.71M3.19M3.08M2.73M4.14M3.02M-3.31M3.89M5.07M5.10M3.96M3.77M5.84M4.88M4.37M3.58M3.75M6.79M7.06M8.01M7.67M5.63M6.74M6.48M6.44M6.31M5.79M3.40M5.01M5.39M5.37M7.69M7.08M6.75M
Diluted EPS 0.710.771.211.020.680.701.360.920.870.781.190.87-0.951.111.451.461.13-------1.922.192.161.591.911.851.861.841.711.011.501.651.662.372.182.08

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue -99.55M100.84M97.59M101.88M105.90M107.76M115.49M116.83M118.92M111.90M138.14M135.20M122.68M127.32M127.31M140.84M
Net Income 5.53M8.11M12.98M16.38M14.44M12.34M12.53M13.46M6.57M18.02M18.86M22.12M28.67M29.16M23.60M19.83M26.84M
Diluted EPS 1.442.243.724.864.193.593.683.891.885.155.476.067.958.296.926.018.29

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --904.14M928.12M977.02M1.31B1.34B1.41B1.45B1.51B1.52B1.66B2.09B2.26B2.33B2.44B2.56B2.77B
Total Equity 64.86M88.88M92.78M96.09M102.39M113.18M123.61M131.06M139.21M141.70M151.96M164.80M193.81M210.32M195.63M216.88M226.36M261.75M
Cash & Equivalents ----25.62M148.14M------------
Long Term Debt --132.90M132.99M132.99M132.99M------------
Total Liabilities --811.36M832.03M874.82M1.20B1.21B1.27B1.31B1.37B1.37B1.49B1.89B2.05B2.14B2.22B2.34B2.51B

Cash Flows (Annual)

Figures in USD.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 31.84M-13.41M27.99M29.69M63.64M-15.33M26.98M25.77M47.55M-14.63M-80.37M157.39M90.56M38.81M36.77M24.49M
Investing Cash Flow -27.11M-23.11M-31.18M-44.77M90.81M--83.66M-106.32M-59.91M-47.52M-35.93M-183.29M-138.69M-411.28M-56.34M-146.92M-169.35M
Financing Cash Flow 23.44M8.13M5.01M29.19M-31.93M-53.66M29.61M50.36M-4.44M100.98M184.90M162.38M79.64M66.03M100.58M158.41M
Capital Expenditure -426.00K-1.14M-1.84M-891.00K-3.65M-1.81M-1.81M-2.71M-4.18M-3.37M-2.71M-10.23M-4.79M-3.39M-1.46M-3.49M-2.33M
Free Cash Flow 31.41M-14.55M26.15M28.80M59.98M-13.52M24.27M21.59M44.18M-17.34M-90.60M152.60M87.17M37.35M33.28M22.16M
Share Buybacks -----161.00K1.69M414.00K560.00K1.54M4.92M1.06M8.23M5.37M7.76M8.76M943.00K
Dividends Paid 4.08M4.09M4.02M3.68M3.85M4.05M4.15M4.46M4.64M4.93M5.13M5.55M5.67M5.76M5.99M5.78M5.95M

Ratios (Annual)

Figures in %.

Metric Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % -----------------
Operating Margin % -----------------
Net Margin % -8.1%12.9%16.8%14.2%11.7%11.6%11.7%5.6%15.2%16.9%16.0%21.2%23.8%18.5%15.6%19.1%
ROE % 6.2%8.7%13.5%16.0%12.8%10.0%9.6%9.7%4.6%11.9%11.4%11.4%13.6%14.9%10.9%8.8%10.3%
ROCE % -----------------

Shareholding Pattern

Insiders
6.71%
Institutions
41.45%
Public Float
44.42%

Top Institutional Holders

#Holder% HeldSharesValue
1 Dimensional Fund Advisors LP 5.64% 183.61K $14.15M
2 Blackrock Inc. 5.44% 176.93K $13.64M
3 Vanguard Capital Management LLC 4.17% 135.72K $10.46M
4 Manufacturers Life Insurance Co. 3.13% 101.96K $7.86M
5 Renaissance Technologies, LLC 2.48% 80.78K $6.23M
6 Geode Capital Management, LLC 2.21% 71.87K $5.54M
7 Huber Capital Management Llc 1.86% 60.41K $4.66M
8 State Street Corporation 1.35% 44.05K $3.39M
9 American Century Companies Inc 1.31% 42.75K $3.29M
10 Bridgeway Capital Management, LLC 1.19% 38.79K $2.99M

Analyst View

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Latest News

Recent headlines for CFFI

Google News hu, 11 Jun 2026

There's A Lot To Like About C&F Financial's (NASDAQ:CFFI) Upcoming US$0.48 Dividend - Yahoo Finance

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Google News ue, 07 Jul 2026

C & F Financial (NASDAQ: CFFI) director logs 217-share estate transfer, holds 4,239 - Stock Titan

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Google News Wed, 08 Jul 2026

BOTJ vs. CFFI: Which Regional Bank Stock Looks More Attractive Now? - Zacks Investment Research

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Google News ue, 09 Jun 2026

Insider Sale: EVP of $CFFI Sells 1,360 Shares | CFFI Stock News - Quiver Quantitative

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Google News Mon, 06 Jul 2026

Trading the Move, Not the Narrative: (CFFI) Edition - Stock Traders Daily

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Google News hu, 18 Jun 2026

C&F Financial (NASDAQ: CFFI) details C&F Finance CEO transition - Stock Titan

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CFFI — Frequently Asked Questions

What is the current share price of C&F Financial Corporation (CFFI)?

As of 2026-07-15 16:51 PDT, C&F Financial Corporation (CFFI) trades at $78.00 on NasdaqGS. Its 52-week range is $61.55 to $86.18.

What is the market capitalisation of CFFI?

C&F Financial Corporation (CFFI) has a market capitalisation of $253.84M on NasdaqGS.

What is the P/E ratio of CFFI?

CFFI trades at a trailing price-to-earnings (P/E) ratio of 9.14. The industry average P/E is 13.52. Its price-to-book (P/B) ratio is 0.94.

Does CFFI pay a dividend?

C&F Financial Corporation (CFFI) currently offers a dividend yield of 2.44%.

What is the return on equity (ROE) of CFFI?

CFFI has a return on equity (ROE) of 11.32%.

Is CFFI a good stock to buy?

This page provides a data-driven analysis of C&F Financial Corporation (CFFI), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.

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