CFFI
C&F Financial Corporation
Price Chart
Latest Quote
$78.36
+2.20 (+2.90%)
Current Price
| Previous Close | $76.16 |
| Open | $77.37 |
| Day High | $78.36 |
| Day Low | $77.37 |
| Volume | 10,060 |
Stock Information
| Quarterly Dividend / Yield | $1.92 / 2.51% |
| Shares Outstanding | 3.25M |
| Quarterly Dividend Yield | 2.51% |
| Quarterly Dividend | $1.92 |
| Total Debt | $105.86M |
| Cash Equivalents | $81.80M |
| Revenue | $132.37M |
| Net Income | $28.21M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| Market Cap | $255.01M |
| P/E Ratio | 9.00 |
| EPS (TTM) | $8.71 |
| Exchange | NMS |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $270.41M |
| Sales | $132.37M |
| Income | $28.21M |
| Book/sh | $81.73 |
| Cash/sh | $25.13 |
| Employees | 575 |
Financial Ratios
| EPS Growth TTM | 25.70% |
Returns & Margins
| ROA | 1.05% |
| ROE | 11.32% |
| Operating Margin | 25.55% |
| Profit Margin | 21.32% |
Ownership
| Insider Ownership | 6.70% |
| Institutional Ownership | 41.43% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| PEG | -31.32 |
| P/S | 1.93 |
| P/B | 0.96 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $74.33 |
| SMA50 | $74.67 |
| SMA200 | $71.43 |
| RSI | 62.98 |
| ATR | 2.1631 |
| Shares Float | 3.02M |
| Short Float | 0.99% |
| Short Ratio | 6.50 |
| Volatility | 0.35 |
| Rel Volume | 1.79 |
Performance History
| Week | +2.30% |
| Month | +9.51% |
| Quarter | +11.70% |
| 6 Months | +2.79% |
| YTD | +12.28% |
| Year | +32.02% |
| 3 Years | +52.06% |
| 5 Years | +78.67% |
| 10 Years | +160.91% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-18 | $78.36 | 11,000 |
| 2026-06-17 | $76.16 | 5,900 |
| 2026-06-16 | $75.50 | 7,000 |
| 2026-06-15 | $74.34 | 2,000 |
| 2026-06-12 | $76.72 | 3,000 |
| 2026-06-11 | $76.60 | 3,400 |
| 2026-06-10 | $77.76 | 18,900 |
| 2026-06-09 | $75.58 | 6,000 |
| 2026-06-08 | $74.10 | 3,400 |
| 2026-06-05 | $74.43 | 6,800 |
| 2026-06-04 | $72.34 | 2,300 |
| 2026-06-03 | $69.94 | 6,600 |
| 2026-06-02 | $72.62 | 2,400 |
| 2026-06-01 | $73.09 | 1,800 |
| 2026-05-29 | $73.29 | 3,600 |
| 2026-05-28 | $74.03 | 5,300 |
| 2026-05-27 | $73.64 | 5,400 |
| 2026-05-26 | $73.57 | 12,500 |
| 2026-05-22 | $71.72 | 12,200 |
| 2026-05-21 | $72.79 | 3,600 |
| 2026-05-20 | $73.37 | 3,900 |
| 2026-05-19 | $71.55 | 2,600 |
About C&F Financial Corporation
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.
đ° Latest News
There's A Lot To Like About C&F Financial's (NASDAQ:CFFI) Upcoming US$0.48 Dividend
Simply Wall St. âĸ 2026-06-11T10:22:41Z
2 Outperform Rated Regional Banks
Zacks âĸ 2026-05-19T16:00:00Z
The Zacks Analyst Blog Highlights Home Depot, TJX Companies, Marvell Technology and C&F Financial
Zacks âĸ 2026-05-15T07:38:00Z
Top Research Reports for Home Depot, TJX & Marvell Technology
Zacks âĸ 2026-05-14T20:21:00Z
C&F Financial Q1 Earnings Rise 25% Y/Y as Mortgage Growth Surges
Zacks âĸ 2026-04-28T15:01:00Z
The Zacks Analyst Blog Oracle, T-Mobile, Gilead, and C&F Financial
Zacks âĸ 2026-03-13T07:28:00Z
Top Stock Reports for Oracle, T-Mobile & Gilead
Zacks âĸ 2026-03-12T21:30:00Z
C&F Financial Q4 Earnings Rise Y/Y on Loan Growth, Margin Gains
Zacks âĸ 2026-02-02T18:12:00Z
C&F: Q4 Earnings Snapshot
Associated Press Finance âĸ 2026-01-27T18:47:45ZDiscovering US Undiscovered Gems With Potential In December 2025
Simply Wall St. âĸ 2025-12-18T11:33:18Z
Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Operating Revenue | $136,963,000 | $123,692,000 | $123,328,000 | $115,560,000 |
| Total Revenue | - | - | $123,328,000 | $115,560,000 |
| Expenses | ||||
| Interest Expense | $45,289,000 | $42,819,000 | $26,430,000 | $7,890,000 |
| Selling And Marketing Expense | $2,363,000 | $1,213,000 | $1,548,000 | $1,805,000 |
| General And Administrative Expense | $58,497,000 | $55,410,000 | $56,535,000 | $48,916,000 |
| Professional Expense And Contract Services Expense | $3,699,000 | $3,611,000 | $2,752,000 | $2,767,000 |
| Other Non Interest Expense | $19,722,000 | $18,638,000 | $17,738,000 | $16,510,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $26,835,000 | $19,834,000 | $23,604,000 | $29,159,000 |
| Net Interest Income | $106,210,000 | $96,775,000 | $97,707,000 | $93,464,000 |
| Interest Income | $151,499,000 | $139,594,000 | $124,137,000 | $101,354,000 |
| Normalized Income | $26,835,000 | $19,834,000 | $23,604,000 | $29,159,000 |
| Net Income From Continuing And Discontinued Operation | $26,835,000 | $19,834,000 | $23,604,000 | $29,159,000 |
| Net Income Common Stockholders | $26,835,000 | $19,834,000 | $23,604,000 | $29,159,000 |
| Net Income | $26,835,000 | $19,834,000 | $23,604,000 | $29,159,000 |
| Net Income Including Noncontrolling Interests | $26,991,000 | $19,918,000 | $23,746,000 | $29,369,000 |
| Pretax Income | $33,071,000 | $24,133,000 | $29,164,000 | $36,964,000 |
| Special Income Charges | - | - | - | $0 |
| Per Share | ||||
| Diluted EPS | $8.29 | $6.01 | $6.92 | $8.29 |
| Basic EPS | $8.29 | $6.01 | $6.92 | $8.29 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Reconciled Depreciation | $3,923,000 | $3,857,000 | $3,879,000 | $4,356,000 |
| Diluted Average Shares | $3,237,548 | $3,299,574 | $3,411,995 | $3,517,114 |
| Basic Average Shares | $3,237,548 | $3,299,574 | $3,411,995 | $3,517,114 |
| Diluted NI Availto Com Stockholders | $26,835,000 | $19,834,000 | $23,604,000 | $29,159,000 |
| Minority Interests | $-156,000 | $-84,000 | $-142,000 | $-210,000 |
| Tax Provision | $6,080,000 | $4,215,000 | $5,418,000 | $7,595,000 |
| Gain On Sale Of Security | $2,585,000 | $0 | $-5,000 | $0 |
| Selling General And Administration | $60,860,000 | $56,623,000 | $58,083,000 | $50,721,000 |
| Insurance And Claims | $1,721,000 | $1,832,000 | $1,659,000 | $1,049,000 |
| Salaries And Wages | $56,776,000 | $53,578,000 | $54,876,000 | $47,867,000 |
| Occupancy And Equipment | $8,802,000 | $8,397,000 | $7,993,000 | $8,564,000 |
| Other Gand A | - | - | $2,602,000 | $2,761,000 |
| Total Unusual Items | - | - | - | $0 |
| Total Unusual Items Excluding Goodwill | - | - | - | $0 |
Fetched: 2026-06-13
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $235,653,000 | $200,022,000 | $190,280,000 | $168,764,000 |
| Total Assets | $2,768,494,000 | $2,563,374,000 | $2,438,498,000 | $2,332,317,000 |
| Goodwill And Other Intangible Assets | $26,100,000 | $26,338,000 | $26,598,000 | $26,870,000 |
| Other Intangible Assets | $909,000 | $1,147,000 | $1,407,000 | $1,679,000 |
| Receivables | $11,726,000 | $10,592,000 | $10,398,000 | $8,982,000 |
| Accounts Receivable | $11,726,000 | $10,592,000 | $10,398,000 | $8,982,000 |
| Cash And Cash Equivalents | $79,132,000 | $65,586,000 | $75,159,000 | $26,661,000 |
| Cash Financial | $13,622,000 | $16,163,000 | $16,382,000 | $19,610,000 |
| Cash Cash Equivalents And Federal Funds Sold | $82,812,000 | $69,178,000 | $78,084,000 | $27,781,000 |
| Debt | ||||
| Net Debt | $34,203,000 | $57,023,000 | $34,380,000 | $65,423,000 |
| Total Debt | $113,335,000 | $122,609,000 | $109,539,000 | $92,084,000 |
| Long Term Debt And Capital Lease Obligation | $93,335,000 | $93,615,000 | $51,316,000 | $55,492,000 |
| Long Term Debt | $93,335,000 | $93,615,000 | $51,316,000 | $55,492,000 |
| Current Debt And Capital Lease Obligation | $20,000,000 | $28,994,000 | $58,223,000 | $36,592,000 |
| Current Debt | $20,000,000 | $28,994,000 | $58,223,000 | $36,592,000 |
| Other Current Borrowings | $20,000,000 | $28,994,000 | $58,223,000 | $36,592,000 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $2,506,146,000 | $2,336,404,000 | $2,220,982,000 | $2,136,084,000 |
| Payables And Accrued Expenses | $3,745,000 | $4,403,000 | $3,493,000 | $950,000 |
| Payables | $3,745,000 | $4,403,000 | $3,493,000 | $950,000 |
| Accounts Payable | $3,745,000 | $4,403,000 | $3,493,000 | $950,000 |
| Equity | ||||
| Common Stock Equity | $261,753,000 | $226,360,000 | $216,878,000 | $195,634,000 |
| Total Equity Gross Minority Interest | $262,348,000 | $226,970,000 | $217,516,000 | $196,233,000 |
| Stockholders Equity | $261,753,000 | $226,360,000 | $216,878,000 | $195,634,000 |
| Gains Losses Not Affecting Retained Earnings | $-11,166,000 | $-24,604,000 | $-26,687,000 | $-36,958,000 |
| Other Equity Adjustments | $-11,166,000 | $-24,604,000 | $-26,687,000 | $-36,958,000 |
| Retained Earnings | $268,696,000 | $247,814,000 | $233,760,000 | $217,214,000 |
| Other | ||||
| Ordinary Shares Number | $3,245,972 | $3,233,672 | $3,374,098 | $3,476,614 |
| Share Issued | $3,245,972 | $3,233,672 | $3,374,098 | $3,476,614 |
| Tangible Book Value | $235,653,000 | $200,022,000 | $190,280,000 | $168,764,000 |
| Invested Capital | $375,088,000 | $348,969,000 | $326,417,000 | $287,718,000 |
| Total Capitalization | $355,088,000 | $319,975,000 | $268,194,000 | $251,126,000 |
| Minority Interest | $595,000 | $610,000 | $638,000 | $599,000 |
| Additional Paid In Capital | $1,078,000 | $36,000 | $6,567,000 | $12,047,000 |
| Capital Stock | $3,145,000 | $3,114,000 | $3,238,000 | $3,331,000 |
| Common Stock | $3,145,000 | $3,114,000 | $3,238,000 | $3,331,000 |
| Investments And Advances | $327,231,000 | $222,525,000 | $462,444,000 | $512,591,000 |
| Goodwill | $25,191,000 | $25,191,000 | $25,191,000 | $25,191,000 |
| Net PPE | $39,200,000 | $40,118,000 | $41,914,000 | $43,849,000 |
| Accumulated Depreciation | $-44,156,000 | $-41,472,000 | $-40,399,000 | $-37,325,000 |
| Gross PPE | $83,356,000 | $81,590,000 | $82,313,000 | $81,174,000 |
| Machinery Furniture Equipment | $25,595,000 | $24,209,000 | $23,557,000 | $23,613,000 |
| Buildings And Improvements | $48,923,000 | $48,543,000 | $49,732,000 | $48,537,000 |
| Land And Improvements | $8,838,000 | $8,838,000 | $9,024,000 | $9,024,000 |
| Other Short Term Investments | $327,231,000 | $222,525,000 | $462,444,000 | $512,591,000 |
| Available For Sale Securities | - | $352,171,000 | - | - |
| Treasury Shares Number | - | - | $0 | - |
Fetched: 2026-06-13
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $22,161,000 | $33,280,000 | $37,352,000 | $87,165,000 |
| Operating Activities | ||||
| Operating Cash Flow | $24,490,000 | $36,766,000 | $38,811,000 | $90,559,000 |
| Cash Flow From Continuing Operating Activities | $24,490,000 | $36,766,000 | $38,811,000 | $90,559,000 |
| Operating Gains Losses | $-7,260,000 | $-5,182,000 | $-4,855,000 | $-6,859,000 |
| Investing Activities | ||||
| Capital Expenditure | $-2,329,000 | $-3,486,000 | $-1,459,000 | $-3,394,000 |
| Investing Cash Flow | $-169,355,000 | $-146,918,000 | $-56,339,000 | $-411,279,000 |
| Cash Flow From Continuing Investing Activities | $-169,355,000 | $-146,918,000 | $-56,339,000 | $-411,279,000 |
| Net Other Investing Changes | $-51,000 | $71,000 | $-1,832,000 | $5,260,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-943,000 | $-8,761,000 | $-7,758,000 | $-5,373,000 |
| Financing Cash Flow | $158,411,000 | $100,579,000 | $66,026,000 | $79,636,000 |
| Cash Flow From Continuing Financing Activities | $158,411,000 | $100,579,000 | $66,026,000 | $79,636,000 |
| Net Other Financing Charges | $-562,000 | $-382,000 | $-132,000 | $-338,000 |
| Cash Dividends Paid | $-5,953,000 | $-5,780,000 | $-5,986,000 | $-5,756,000 |
| Common Stock Dividend Paid | $-5,953,000 | $-5,780,000 | $-5,986,000 | $-5,756,000 |
| Net Common Stock Issuance | $-943,000 | $-8,761,000 | $-7,758,000 | $-5,373,000 |
| Other | ||||
| Repayment Of Debt | $-20,000,000 | $0 | $-4,000,000 | $0 |
| Issuance Of Debt | $40,000,000 | $40,000,000 | $0 | $0 |
| Interest Paid Supplemental Data | $45,912,000 | $41,874,000 | $23,859,000 | $7,699,000 |
| Income Tax Paid Supplemental Data | $5,611,000 | $0 | $6,025,000 | $8,019,000 |
| End Cash Position | $79,132,000 | $65,586,000 | $75,159,000 | $26,661,000 |
| Beginning Cash Position | $65,586,000 | $75,159,000 | $26,661,000 | $267,745,000 |
| Changes In Cash | $13,546,000 | $-9,573,000 | $48,498,000 | $-241,084,000 |
| Common Stock Payments | $-943,000 | $-8,761,000 | $-7,758,000 | $-5,373,000 |
| Net Issuance Payments Of Debt | $-8,994,000 | $10,772,000 | $17,632,000 | $1,857,000 |
| Net Short Term Debt Issuance | $-28,994,000 | $-29,228,000 | $21,632,000 | $1,857,000 |
| Net Long Term Debt Issuance | $20,000,000 | $40,000,000 | $-4,000,000 | $0 |
| Long Term Debt Payments | $-20,000,000 | $0 | $-4,000,000 | $0 |
| Long Term Debt Issuance | $40,000,000 | $40,000,000 | $0 | $0 |
| Net Investment Purchase And Sale | $-22,034,000 | $44,206,000 | $61,537,000 | $-186,900,000 |
| Sale Of Investment | $65,618,000 | $100,601,000 | $100,812,000 | $55,328,000 |
| Purchase Of Investment | $-87,652,000 | $-56,395,000 | $-39,275,000 | $-242,228,000 |
| Net PPE Purchase And Sale | $-2,329,000 | $-3,486,000 | $-1,459,000 | $-3,394,000 |
| Purchase Of PPE | $-2,329,000 | $-3,486,000 | $-1,459,000 | $-3,394,000 |
| Change In Working Capital | $1,058,000 | $7,005,000 | $-1,199,000 | $-9,398,000 |
| Change In Other Current Liabilities | $551,000 | $-1,387,000 | $-685,000 | $-4,761,000 |
| Change In Other Current Assets | $2,299,000 | $7,676,000 | $-1,641,000 | $-2,700,000 |
| Change In Payables And Accrued Expense | $-658,000 | $910,000 | $2,543,000 | $235,000 |
| Change In Payable | $-658,000 | $910,000 | $2,543,000 | $235,000 |
| Change In Account Payable | $-658,000 | $910,000 | $2,543,000 | $235,000 |
| Change In Receivables | $-1,134,000 | $-194,000 | $-1,416,000 | $-2,172,000 |
| Changes In Account Receivables | $-1,134,000 | $-194,000 | $-1,416,000 | $-2,172,000 |
| Other Non Cash Items | $-13,048,000 | $-5,137,000 | $5,565,000 | $66,445,000 |
| Stock Based Compensation | $1,847,000 | $1,923,000 | $1,994,000 | $1,973,000 |
| Deferred Tax | $154,000 | $474,000 | $902,000 | $708,000 |
| Deferred Income Tax | $154,000 | $474,000 | $902,000 | $708,000 |
| Depreciation Amortization Depletion | $3,923,000 | $3,857,000 | $3,879,000 | $4,356,000 |
| Depreciation And Amortization | $3,923,000 | $3,857,000 | $3,879,000 | $4,356,000 |
| Pension And Employee Benefit Expense | $719,000 | $882,000 | $925,000 | $639,000 |
| Net Income From Continuing Operations | $26,991,000 | $19,918,000 | $23,746,000 | $29,369,000 |
| Short Term Debt Issuance | - | - | $21,632,000 | $1,857,000 |
| Net Business Purchase And Sale | - | - | - | $0 |
| Sale Of Business | - | - | - | $0 |
| Sale Of PPE | - | - | - | $1,967,000 |
Fetched: 2026-06-13