
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
$227.78M
P/E (TTM)
8.7
15.1
Dividend Yield
2.6%
52W High
$89.90
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
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)
CFFI$178.57M
$163.43M
ISTR$155.26M
Gross Margin (Latest Quarter)
CBNA92.5%
73.8%
71.6%
Key Metrics
Symbol | Market Cap | P/E (TTM) | ROE (TTM) | Debt to Assets |
|---|---|---|---|---|
| ISTR | $271.13M | 11.7 | 8.8% | 3.6% |
| OVLY | $261.71M | 15.2 | 9.0% | 0.0% |
| FVCB | $258.65M | 12.1 | 8.8% | 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
EPS:-
|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/AForm 10-Q - Q2 2025
Period End: Jun 30, 2025|Filed: Aug 11, 2025|Revenue: $46.83M+13.6%|EPS: $2.37+58.0%N/AForm 10-Q - Q1 2025
Period End: Mar 31, 2025|Filed: May 6, 2025|Revenue: $42.67M+8.3%|EPS: $1.66+64.4%N/AForm 10-K - FY 2024
Period End: Dec 31, 2024|Filed: Feb 27, 2025|Revenue: $166.51M+11.2%|EPS: $6.01-13.2%N/AForm 10-Q - Q3 2024
Period End: Sep 30, 2024|Filed: Nov 4, 2024|Revenue: $43.85M+19.2%|EPS: $1.65-3.5%BeatForm 10-Q - Q2 2024
Period End: Jun 30, 2024|Filed: Aug 2, 2024|Revenue: $41.22M+7.8%|EPS: $1.50-18.5%BeatForm 10-Q - Q1 2024
Period End: Mar 31, 2024|Filed: May 7, 2024|Revenue: $39.41M+7.7%|EPS: $1.01-45.7%MissForm 10-K - FY 2023
Period End: Dec 31, 2023|Filed: Feb 27, 2024|Revenue: $149.76M+21.3%|EPS: $6.92-16.5%Beat