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C&F Financial Corporation

NASDAQ•CFFI
CEO: Mr. Larry G. Dillon
Sector: Financial Services
Industry: Banks - Regional
Listing Date: 1998-05-07
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, including checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet and mobile banking, peer-to-peer payment capabilities, and debit cards, as well as safe deposit box rentals, notary public, electronic transfer, and other customary bank services. The Mortgage Banking segment provides various residential mortgage loans; 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; and ancillary mortgage loan production services to third parties for residential appraisals, as well as various mortgage origination activities. The Consumer Finance segment provides automobile loans. It also offers brokerage and wealth management services, and insurance products and services, as well as title and settlement agency. C&F Financial Corporation was founded in 1927 and is headquartered in Toano, Virginia.
Contact Information
3600 La Grange Parkway, Toano, VA, 23168, United States
804-843-2360
www.cffc.com
Market Cap
$230.19M
P/E (TTM)
8.5
14.2
Dividend Yield
2.6%
52W High
$80.99
52W Low
$53.14
52W Range
63%
Rank39Top 39.1%
4.2
F-Score
Modified Piotroski Analysis
Based on 10-year fundamentals
Average • 4.2 / 9 points
Scoring Range (0-9)
8-9: Excellent Value
6-7: Strong Fundamentals
4-5: Average Quality
0-3: Weak Performance
Data Period: 2016-2025

Financial Dashboard

Q4 2025 Data

Revenue

$47.69M+12.30%
4-Quarter Trend

EPS

$2.07+10.70%
4-Quarter Trend

FCF

$1.13M-100.00%
4-Quarter Trend

2025 Annual Earnings Highlights

Key Highlights

Strong Net Income Growth Consolidated net income rose to $26.99M in 2025 from $19.92M in 2024, with EPS increasing significantly to $8.29 from $6.01 per share.
Net Interest Margin Expansion Net interest margin improved to 4.21% in 2025 from 4.12% in 2024, driven by higher average earning asset balances and favorable interest rate shifts.
Solid Loan Deposit Growth Total loans reached $2.05B, up 6.9%, while total deposits grew 8.1% to $2.35B, reflecting strong organic growth across community banking and mortgage segments.

Risk Factors

Commercial Real Estate Concentration Commercial real estate loans comprise 46% of the portfolio, increasing credit risk exposure to economic downturns and potential deterioration in property collateral values.
Interest Rate Volatility Risk Declining market interest rates may compress net interest margin in the short term as assets reprice downward faster than deposits and borrowings.
Consumer Finance Credit Risk Consumer finance segment faces higher credit risk from non-prime borrowers, with potential for increased delinquencies and net charge-offs during economic slowdowns or recessions.

Outlook

Organic Growth Strategic Focus Management prioritizes organic growth in earning assets and deposits, supported by new commercial banking teams in Roanoke and expanded mortgage origination capacity.
Efficiency and Technology Investment The Corporation is evaluating AI use cases, including robotic process automation and machine learning, to modernize workflows, improve efficiency, and enhance customer experience.
Proactive Risk Management Strategy Focus remains on strengthening fraud prevention and monitoring industry concentrations, particularly in commercial real estate and consumer portfolios, to maintain asset quality.

Peer Comparison

Revenue (TTM)

MYFW stock ticker logoMYFW
$186.35M
+4.8%
CFFI stock ticker logoCFFI
$183.79M
+10.1%
OPBK stock ticker logoOPBK
$166.66M
+8.2%

Gross Margin (Latest Quarter)

OVLY stock ticker logoOVLY
95.9%
+11.9pp
CBNA stock ticker logoCBNA
91.8%
+0.4pp
LCNB stock ticker logoLCNB
72.6%
+10.6pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
OVLY$268.26M11.012.7%0.0%
FVCB$266.97M12.18.9%0.8%
ISTR$266.20M11.68.3%5.4%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
3.8%
Moderate Growth
4Q Net Income CAGR
7.7%
Profitability Improving
Cash Flow Stability
75%
Volatile Cash Flow

Deep Research

Next earnings:Apr 13, 2026
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