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
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
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)
$186.35M
$183.79M
$166.66M
Gross Margin (Latest Quarter)
95.9%
91.8%
72.6%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| OVLY | $268.26M | 11.0 | 12.7% | 0.0% |
| FVCB | $266.97M | 12.1 | 8.9% | 0.8% |
| ISTR | $266.20M | 11.6 | 8.3% | 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
EPS:-
|Revenue:-
Financials
Earnings Calls
Reports
News
Income Statement
Balance Sheet
Cash Flow Statement
Ratios
% Chg.
Income Statement | LTM |
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