Symbols / CFFI Stock $78.80 +3.94% C&F Financial Corporation

Financial Services • Banks - Regional • United States • NMS
CFFI (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Banks - Regional
CEO Mr. Thomas F. Cherry
Exch · Country NMS · United States
Market Cap 255.95M
Enterprise Value 282.42M
Income 28.21M
Sales 132.37M
FCF (ttm) —
Book/sh 81.73
Cash/sh 23.84
Employees 575
Insider 10d —
IPO May 07, 1998
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 21.35%
P/E 9.05
Forward P/E —
PEG -31.32
P/S 1.93
P/B 0.96
P/C —
EV/EBITDA —
EV/Sales 2.13
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 8.71
EPS next Y —
EPS Growth 25.20%
Revenue Growth 10.40%
EPS Gr Q/Q 25.70%
Rev Gr Q/Q —
Earnings (next) 2026-07-23
Earnings (prior) 2013-01-24
ROA 1.05%
ROE 11.32%
ROIC —
Gross Margin 0.00%
Oper. Margin 25.55%
Profit Margin 21.32%
Shs Outstand 3.25M
Shs Float 3.02M
Insider Own 6.97%
Instit Own 42.66%
Short Float 1.25%
Short Ratio 6.72
Short Interest 37.92K
52W High 80.99
vs 52W High -2.70%
52W Low 57.09
vs 52W Low 38.03%
Beta 0.35
Impl. Vol. —
Rel Volume 0.46
Avg Volume 4.55K
Volume 2.12K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $75.81
Price $78.80
Change 3.94%
About

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.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$78.80
Latest analyst target
3. DCF / Fair value
$130.65
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$78.80
Low
—
High
—
Mean
—
News
RSS: Latest CFFI news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-21 PEAY D ANTHONY Director — 450 $0.00 $0
2026-04-21 CAUSEY JOHN PAUL JR Director — 450 $0.00 $0
2026-04-21 NAPIER JAMES T Director — 450 $0.00 $0
2026-04-21 ROBINSON PAUL C Director — 450 $0.00 $0
2026-04-21 OLSSON CHARLES ELIS Director — 450 $0.00 $0
2026-04-21 HOLMES AUDREY DALE Director — 450 $0.00 $0
2026-04-21 AGNEW JULIE RICHARDSON PH.D. Director — 450 $0.00 $0
2026-04-21 KELLEY ELIZABETH RILEE Director — 450 $0.00 $0
2026-04-21 SISSON GEORGE R III Director — 450 $0.00 $0
2026-04-21 SMITH JEFFERY O Director — 450 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
—
—
123.33
+6.72%
115.56
Operating Revenue
136.96
+10.73%
123.69
+0.30%
123.33
+6.72%
115.56
Selling General And Administration
60.86
+7.48%
56.62
-2.51%
58.08
+14.51%
50.72
Selling And Marketing Expense
2.36
+94.81%
1.21
-21.64%
1.55
-14.24%
1.80
General And Administrative Expense
58.50
+5.57%
55.41
-1.99%
56.53
+15.58%
48.92
Salaries And Wages
56.78
+5.97%
53.58
-2.37%
54.88
+14.64%
47.87
Other Gand A
—
—
2.60
-5.76%
2.76
Reconciled Depreciation
3.92
+1.71%
3.86
-0.57%
3.88
-10.95%
4.36
Total Unusual Items
—
—
—
0.00
Total Unusual Items Excluding Goodwill
—
—
—
0.00
Special Income Charges
—
—
—
0.00
Net Income
26.84
+35.30%
19.83
-15.97%
23.60
-19.05%
29.16
Pretax Income
33.07
+37.04%
24.13
-17.25%
29.16
-21.10%
36.96
Net Interest Income
106.21
+9.75%
96.78
-0.95%
97.71
+4.54%
93.46
Interest Expense
45.29
+5.77%
42.82
+62.01%
26.43
+234.98%
7.89
Interest Income
151.50
+8.53%
139.59
+12.45%
124.14
+22.48%
101.35
Gain On Sale Of Security
2.58
0.00
+100.00%
-0.01
0.00
Tax Provision
6.08
+44.25%
4.21
-22.20%
5.42
-28.66%
7.59
Tax Rate For Calcs
0.00
+5.35%
0.00
-5.99%
0.00
-9.82%
0.00
Tax Effect Of Unusual Items
0.00
0.00
0.00
0.00
Net Income Including Noncontrolling Interests
26.99
+35.51%
19.92
-16.12%
23.75
-19.15%
29.37
Net Income From Continuing Operation Net Minority Interest
26.84
+35.30%
19.83
-15.97%
23.60
-19.05%
29.16
Net Income From Continuing And Discontinued Operation
26.84
+35.30%
19.83
-15.97%
23.60
-19.05%
29.16
Minority Interests
-0.16
-85.71%
-0.08
+40.85%
-0.14
+32.38%
-0.21
Normalized Income
26.84
+35.30%
19.83
-15.97%
23.60
-19.05%
29.16
Net Income Common Stockholders
26.84
+35.30%
19.83
-15.97%
23.60
-19.05%
29.16
Diluted EPS
—
6.01
-13.15%
6.92
-16.53%
8.29
Basic EPS
—
6.01
-13.15%
6.92
-16.53%
8.29
Basic Average Shares
—
3.30
-3.29%
3.41
-2.99%
3.52
Diluted Average Shares
—
3.30
-3.29%
3.41
-2.99%
3.52
Diluted NI Availto Com Stockholders
26.84
+35.30%
19.83
-15.97%
23.60
-19.05%
29.16
Insurance And Claims
1.72
-6.06%
1.83
+10.43%
1.66
+58.15%
1.05
Occupancy And Equipment
8.80
+4.82%
8.40
+5.05%
7.99
-6.67%
8.56
Other Non Interest Expense
19.72
+5.82%
18.64
+5.07%
17.74
+7.44%
16.51
Professional Expense And Contract Services Expense
3.70
+2.44%
3.61
+31.21%
2.75
-0.54%
2.77
Line Item Trend 2023-12-31
Total Assets
2,438.50
Cash And Cash Equivalents
75.16
Cash Financial
16.38
Other Short Term Investments
462.44
Receivables
10.40
Accounts Receivable
10.40
Net PPE
41.91
Gross PPE
82.31
Accumulated Depreciation
-40.40
Land And Improvements
9.02
Buildings And Improvements
49.73
Machinery Furniture Equipment
23.56
Goodwill And Other Intangible Assets
26.60
Goodwill
25.19
Other Intangible Assets
1.41
Investments And Advances
462.44
Total Liabilities Net Minority Interest
2,220.98
Payables And Accrued Expenses
3.49
Payables
3.49
Accounts Payable
3.49
Current Debt And Capital Lease Obligation
58.22
Current Debt
58.22
Other Current Borrowings
58.22
Long Term Debt And Capital Lease Obligation
51.32
Long Term Debt
51.32
Stockholders Equity
216.88
Common Stock Equity
216.88
Capital Stock
3.24
Common Stock
3.24
Share Issued
3.37
Ordinary Shares Number
3.37
Treasury Shares Number
0.00
Additional Paid In Capital
6.57
Retained Earnings
233.76
Gains Losses Not Affecting Retained Earnings
-26.69
Minority Interest
0.64
Other Equity Adjustments
-26.69
Total Equity Gross Minority Interest
217.52
Total Capitalization
268.19
Invested Capital
326.42
Total Debt
109.54
Net Debt
34.38
Net Tangible Assets
190.28
Tangible Book Value
190.28
Available For Sale Securities
—
Cash Cash Equivalents And Federal Funds Sold
78.08
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
24.49
-33.39%
36.77
-5.27%
38.81
-57.14%
90.56
Cash Flow From Continuing Operating Activities
24.49
-33.39%
36.77
-5.27%
38.81
-57.14%
90.56
Net Income From Continuing Operations
26.99
+35.51%
19.92
-16.12%
23.75
-19.15%
29.37
Depreciation Amortization Depletion
3.92
+1.71%
3.86
-0.57%
3.88
-10.95%
4.36
Depreciation And Amortization
3.92
+1.71%
3.86
-0.57%
3.88
-10.95%
4.36
Other Non Cash Items
-13.05
-154.00%
-5.14
-192.31%
5.57
-91.62%
66.44
Pension And Employee Benefit Expense
0.72
-18.48%
0.88
-4.65%
0.93
+44.76%
0.64
Stock Based Compensation
1.85
-3.95%
1.92
-3.56%
1.99
+1.06%
1.97
Deferred Tax
0.15
-67.51%
0.47
-47.45%
0.90
+27.40%
0.71
Deferred Income Tax
0.15
-67.51%
0.47
-47.45%
0.90
+27.40%
0.71
Operating Gains Losses
-7.26
-40.10%
-5.18
-6.74%
-4.86
+29.22%
-6.86
Change In Working Capital
1.06
-84.90%
7.00
+684.24%
-1.20
+87.24%
-9.40
Change In Receivables
-1.13
-484.54%
-0.19
+86.30%
-1.42
+34.81%
-2.17
Changes In Account Receivables
-1.13
-484.54%
-0.19
+86.30%
-1.42
+34.81%
-2.17
Change In Payables And Accrued Expense
-0.66
-172.31%
0.91
-64.22%
2.54
+982.13%
0.23
Change In Payable
-0.66
-172.31%
0.91
-64.22%
2.54
+982.13%
0.23
Change In Account Payable
-0.66
-172.31%
0.91
-64.22%
2.54
+982.13%
0.23
Change In Other Current Assets
2.30
-70.05%
7.68
+567.76%
-1.64
+39.22%
-2.70
Change In Other Current Liabilities
0.55
+139.73%
-1.39
-102.48%
-0.69
+85.61%
-4.76
Investing Cash Flow
-169.35
-15.27%
-146.92
-160.77%
-56.34
+86.30%
-411.28
Cash Flow From Continuing Investing Activities
-169.35
-15.27%
-146.92
-160.77%
-56.34
+86.30%
-411.28
Net PPE Purchase And Sale
-2.33
+33.19%
-3.49
-138.93%
-1.46
+57.01%
-3.39
Purchase Of PPE
-2.33
+33.19%
-3.49
-138.93%
-1.46
+57.01%
-3.39
Sale Of PPE
—
—
—
1.97
Capital Expenditure
-2.33
+33.19%
-3.49
-138.93%
-1.46
+57.01%
-3.39
Net Investment Purchase And Sale
-22.03
-149.84%
44.21
-28.16%
61.54
+132.93%
-186.90
Purchase Of Investment
-87.65
-55.43%
-56.40
-43.59%
-39.27
+83.79%
-242.23
Sale Of Investment
65.62
-34.77%
100.60
-0.21%
100.81
+82.21%
55.33
Net Business Purchase And Sale
—
—
—
0.00
Net Other Investing Changes
-0.05
-171.83%
0.07
+103.88%
-1.83
-134.83%
5.26
Financing Cash Flow
158.41
+57.50%
100.58
+52.33%
66.03
-17.09%
79.64
Cash Flow From Continuing Financing Activities
158.41
+57.50%
100.58
+52.33%
66.03
-17.09%
79.64
Net Issuance Payments Of Debt
-8.99
-183.49%
10.77
-38.91%
17.63
+849.49%
1.86
Issuance Of Debt
40.00
+0.00%
40.00
0.00
0.00
Repayment Of Debt
-20.00
0.00
+100.00%
-4.00
0.00
Long Term Debt Issuance
40.00
+0.00%
40.00
0.00
0.00
Long Term Debt Payments
-20.00
0.00
+100.00%
-4.00
0.00
Net Long Term Debt Issuance
20.00
-50.00%
40.00
+1100.00%
-4.00
0.00
Short Term Debt Issuance
—
—
21.63
+1064.89%
1.86
Net Short Term Debt Issuance
-28.99
+0.80%
-29.23
-235.11%
21.63
+1064.89%
1.86
Net Common Stock Issuance
-0.94
+89.24%
-8.76
-12.93%
-7.76
-44.39%
-5.37
Common Stock Payments
-0.94
+89.24%
-8.76
-12.93%
-7.76
-44.39%
-5.37
Common Stock Dividend Paid
-5.95
-2.99%
-5.78
+3.44%
-5.99
-4.00%
-5.76
Cash Dividends Paid
-5.95
-2.99%
-5.78
+3.44%
-5.99
-4.00%
-5.76
Repurchase Of Capital Stock
-0.94
+89.24%
-8.76
-12.93%
-7.76
-44.39%
-5.37
Net Other Financing Charges
-0.56
-47.12%
-0.38
-189.39%
-0.13
+60.95%
-0.34
Changes In Cash
13.55
+241.50%
-9.57
-119.74%
48.50
+120.12%
-241.08
Beginning Cash Position
65.59
-12.74%
75.16
+181.91%
26.66
-90.04%
267.75
End Cash Position
79.13
+20.65%
65.59
-12.74%
75.16
+181.91%
26.66
Free Cash Flow
22.16
-33.41%
33.28
-10.90%
37.35
-57.15%
87.17
Interest Paid Supplemental Data
45.91
+9.64%
41.87
+75.51%
23.86
+209.90%
7.70
Income Tax Paid Supplemental Data
5.61
0.00
-100.00%
6.03
-24.87%
8.02
Sale Of Business
—
—
—
0.00
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