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C&F Financial Corporation

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
$227.78M
P/E (TTM)
8.7
15.1
Dividend Yield
2.6%
52W High
$89.90
52W Low
$53.14
52W Range
47%
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

Q3 2025 Data

Revenue

$46.60M+6.27%
4-Quarter Trend

EPS

$2.19+32.73%
4-Quarter Trend

FCF

$0.00+0.00%
4-Quarter Trend

2025 Q3 Earnings Highlights

Key Highlights

Strong Net Income Growth Consolidated net income reached $20.1M for nine months, up significantly from $13.9M last year; Q3 EPS was $2.18 versus $1.65.
NIM Expansion Continues Annualized Net Interest Margin improved to 4.21% for nine months, driven by higher loan yields and shifting asset mix.
Asset Quality Stabilization Consolidated net charge-off ratio improved to 0.63% annualized for nine months; Community Banking recorded a net provision reversal.
Robust Capital Ratios Total risk-based capital ratio stood strong at 15.3% for the Corporation, reflecting solid regulatory compliance and capital strength.

Risk Factors

Interest Rate Risk Sensitivity EVE analysis shows increased sensitivity to immediate downward rate shifts, while NII simulation indicates potential decrease under sustained rate drops.
Consumer Finance Credit Risk Consumer Finance segment experienced higher net charge-offs (2.51% annualized YTD); Marine/RV portfolio is expected to run off.
Loan Portfolio Concentration Commercial Real Estate loans comprise 45.5% of total loans held for investment as of September 30, 2025.
Liquidity Monitoring Required Uninsured deposits represent 29.9% of total deposits; management monitors funding sources and capacity closely.

Outlook

Community Banking Loan Growth Community banking loans grew 8.4% annualized since year-end 2024; expansion noted with new loan production office in Roanoke in July 2025.
Stable Credit Loss Expectations Management believes current allowance for credit losses is adequate, despite higher Consumer Finance provisions year-to-date ($8.3M).
Deposit Cost Management Anticipates further declines in deposit costs due to recent market interest rate decreases in September and October 2025.
Share Repurchase Program $5.0 million remains available under the 2025 Repurchase Program, though no shares were repurchased during Q3 2025.

Peer Comparison

Revenue (TTM)

C&F Financial CorporationCFFI
$178.57M
+8.3%
OP BancorpOPBK
$163.43M
+8.9%
Investar Holding CorporationISTR
$155.26M
+0.5%

Gross Margin (Latest Quarter)

Chain Bridge Bancorp, Inc.CBNA
92.5%
-2.5pp
LCNB Corp.LCNB
73.8%
+10.6pp
First United CorporationFUNC
71.6%
+0.8pp

Key Metrics

Symbol
Market Cap
P/E (TTM)
ROE (TTM)
Debt to Assets
ISTR$271.13M11.78.8%3.6%
OVLY$261.71M15.29.0%0.0%
FVCB$258.65M12.18.8%1.1%

Long-Term Trends

Last 4 Quarters
Revenue
Net Income
Operating Cash Flow
4Q Revenue CAGR
3.1%
Moderate Growth
4Q Net Income CAGR
5.4%
Profitability Improving
Cash Flow Stability
50%
Cash Flow Needs Attention

Research & Insights

Next earnings:Jan 27, 2026
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EPS:-
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Revenue:-
Reports
All Years
  • Form 10-Q - Q3 2025

    Period End: Sep 30, 2025|Filed: Nov 4, 2025|
    Revenue: $46.60M+6.3%
    |
    EPS: $2.19+32.7%
    N/A
  • Form 10-Q - Q2 2025

    Period End: Jun 30, 2025|Filed: Aug 11, 2025|
    Revenue: $46.83M+13.6%
    |
    EPS: $2.37+58.0%
    N/A
  • Form 10-Q - Q1 2025

    Period End: Mar 31, 2025|Filed: May 6, 2025|
    Revenue: $42.67M+8.3%
    |
    EPS: $1.66+64.4%
    N/A
  • Form 10-K - FY 2024

    Period End: Dec 31, 2024|Filed: Feb 27, 2025|
    Revenue: $166.51M+11.2%
    |
    EPS: $6.01-13.2%
    N/A
  • Form 10-Q - Q3 2024

    Period End: Sep 30, 2024|Filed: Nov 4, 2024|
    Revenue: $43.85M+19.2%
    |
    EPS: $1.65-3.5%
    Beat
  • Form 10-Q - Q2 2024

    Period End: Jun 30, 2024|Filed: Aug 2, 2024|
    Revenue: $41.22M+7.8%
    |
    EPS: $1.50-18.5%
    Beat
  • Form 10-Q - Q1 2024

    Period End: Mar 31, 2024|Filed: May 7, 2024|
    Revenue: $39.41M+7.7%
    |
    EPS: $1.01-45.7%
    Miss
  • Form 10-K - FY 2023

    Period End: Dec 31, 2023|Filed: Feb 27, 2024|
    Revenue: $149.76M+21.3%
    |
    EPS: $6.92-16.5%
    Beat