C & F FINANCIAL CORP CFFI

Financials SIC 6022 - State Commercial Banks NAICS Finance and Insurance › Credit Intermediation and Related Activities › Depository Credit Intermediation › Commercial Banking derived Nasdaq

C&F Financial Corporation (the Corporation) is a bank holding company that was incorporated in March 1994 under the laws of the Commonwealth of Virginia. The Corporation owns all of the stock of Citizens and Farmers Bank (the Bank or C&F Bank), which is an independent commercial bank chartered under the laws of the Commonwealth of Virginia. C&F Bank originally opened for business under the name Farmers and Mechanics Bank on January 22, 1927. C&F Bank has the following five wholly-owned subsidiaries, all incorporated under the laws of the Commonwealth of Virginia:

● C&F Insurance Services, Inc.

● CVB Title Services, Inc.

The Corporation operates three principal business segments: (1) community banking through C&F Bank, C&F Wealth Management Corporation (C&F Wealth Management), C&F Insurance Services, Inc. (C&F Insurance) and CVB Title Services, Inc. (CVB Title), (2) mortgage banking through C&F Mortgage Corporation (C&F Mortgage) and (3) consumer finance through C&F Finance Company (C&F Finance). For detailed information about the financial condition and results of operations of these segments, see "Note 20: Business Segments" in Item 8. "Financial Statements and Supplementary Data" in this report.

Last close 107.33 2026-10-23
Market cap $349.0M 2026-06-30 share count
52-week range 66.48 - 108.50

Valuation FY2025 figures against the last close

P/S2.5x
P/E12.9x
P/FCF15.7x
EV/EBITDA—
Dividend yield1.7%
Diluted EPS8.29

Annual financial statements

Income statement

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Revenue $140.8M$127.3M$127.3M$122.7M$135.2M$138.1M$111.9M$118.9M$116.8M$115.5M
Interest expense $106.2M$96.8M$97.7M$93.5M$8.4M$13.4M$14.6M$11.0M$9.6M$9.0M
Pre-tax income $33.1M$24.1M$29.2M$37.0M$38.1M$29.2M$23.9M$22.5M$18.0M$17.9M
Income tax $6.1M$4.2M$5.4M$7.6M$9.0M$6.8M$5.1M$4.5M$11.4M$4.5M
Net income $26.8M$19.8M$23.6M$29.2M$28.7M$22.1M$18.9M$18.0M$6.6M$13.5M
EPS, basic 8.296.016.928.297.956.065.475.151.893.90
EPS, diluted 8.296.016.928.297.956.065.475.151.883.89
Shares, diluted (wtd. avg.) 3.2M3.3M3.4M3.5M3.6M3.6M3.5M3.5M3.5M3.5M

Balance sheet

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Cash and equivalents $79.1M$65.6M$75.2M$26.7M$267.7M$86.7M$165.4M$115.0M$14.1M$12.9M
Property, plant and equipment $39.2M$40.1M$41.9M$43.8M$44.8M$44.1M$35.3M$37.1M$37.0M$35.8M
Goodwill $25.2M$25.2M$25.2M$25.2M$25.2M$25.2M$14.4M$14.4M$14.4M$14.4M
Other intangibles $909.0K$1.1M$1.4M$1.7M$2.0M$2.3M$912.0K$1.1M$1.6M$2.3M
Total assets $2.77B$2.56B$2.44B$2.33B$2.26B$2.09B$1.66B$1.52B$1.51B$1.45B
Short-term debt $20.0M$29.0M$58.2M$36.6M$34.7M$20.5M$16.4M$14.9M$20.6M$12.4M
Total liabilities $2.51B$2.34B$2.22B$2.14B$2.05B$1.89B$1.49B$1.37B$1.37B$1.31B
Retained earnings $268.7M$247.8M$233.8M$217.2M$193.8M$170.8M$154.2M$140.5M$127.4M$125.2M
Total equity $261.8M$226.4M$217.5M$196.2M$211.0M$194.5M$165.3M$152.0M$141.7M$139.2M

Cash flow

Fiscal year FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating cash flow $24.5M$36.8M$38.8M$90.6M$157.4M-$80.4M-$14.6M$47.6M$25.8M$27.0M
Depreciation and amortisation $3.2M$3.1M$3.3M$3.7M$4.1M——$3.2M$2.8M$2.7M
Stock-based compensation $1.8M$1.9M$2.0M$2.0M$1.7M$1.4M$1.5M$1.3M$1.5M$1.2M
Capital expenditure $2.3M$3.5M$1.5M$3.4M$4.8M$10.2M$2.7M$3.4M$4.2M$2.7M
Investing cash flow -$169.4M-$146.9M-$56.3M-$411.3M-$138.7M-$183.3M-$35.9M-$47.5M-$59.9M-$106.3M
Financing cash flow $158.4M$100.6M$66.0M$79.6M$162.4M$184.9M$101.0M-$4.4M$50.4M$29.6M
Dividends paid $6.0M$5.8M$6.0M$5.8M$5.7M$5.5M$5.1M$4.9M$4.6M$4.5M
Buybacks $943.0K$8.8M$7.8M$5.4M$8.2M$1.1M$4.9M$1.5M$560.0K$414.0K

Figures as tagged in each year's own filing, in US dollars. A year restated by a later filing shows the restated figure. Capital expenditure, dividends and buybacks are cash out, shown positive. A line the filer does not report is not listed. Latest from accession 0000913341-26-000010.

Plot the figures US dollars

Income statement Revenue Cost of revenue Gross profit R&D SG&A Total operating expenses Operating income Interest expense Pre-tax income Income tax Net income EPS, basic EPS, diluted Shares, diluted (wtd. avg.)
Balance sheet Cash and equivalents Short-term investments Receivables Inventory Total current assets Property, plant and equipment Goodwill Other intangibles Total assets Accounts payable Short-term debt Total current liabilities Long-term debt Total liabilities Retained earnings Total equity
Cash flow Operating cash flow Depreciation and amortisation Stock-based compensation Capital expenditure Investing cash flow Financing cash flow Dividends paid Buybacks
  • Revenue
  • Gross profit
  • Net income
Revenue, Gross profit, Net income by fiscal year, in US dollars The same figures are in the table below this chart. 0 50M 100M 150M Revenue, FY2016: 115.5M Net income, FY2016: 13.5M Revenue, FY2017: 116.8M Net income, FY2017: 6.6M Revenue, FY2018: 118.9M Net income, FY2018: 18M Revenue, FY2019: 111.9M Net income, FY2019: 18.9M Revenue, FY2020: 138.1M Net income, FY2020: 22.1M Revenue, FY2021: 135.2M Net income, FY2021: 28.7M Revenue, FY2022: 122.7M Net income, FY2022: 29.2M Revenue, FY2023: 127.3M Net income, FY2023: 23.6M Revenue, FY2024: 127.3M Net income, FY2024: 19.8M Revenue, FY2025: 140.8M Net income, FY2025: 26.8M FY2016 FY2017 FY2018 FY2019 FY2020 FY2021 FY2022 FY2023 FY2024 FY2025
Fiscal year FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue $115.5M $116.8M $118.9M $111.9M $138.1M $135.2M $122.7M $127.3M $127.3M $140.8M
Gross profit — — — — — — — — — —
Net income $13.5M $6.6M $18.0M $18.9M $22.1M $28.7M $29.2M $23.6M $19.8M $26.8M

Recent filings and events

  • Regulation FD disclosure Something the company told the market and had to tell everyone at once - usually a slide deck or a press release. Item 7.01
  • Results announced The quarterly or annual earnings release. Arrives four times a year from almost every company here. Item 2.02
  • Regulation FD disclosure Item 7.01
  • Officer or director change Someone at the top arrived or left. The item covers everything from a board retirement to a chief executive being removed, and only the filing itself says which. Item 5.02
  • Regulation FD disclosure Item 7.01
  • Regulation FD disclosure Item 7.01
  • Other event The catch-all. The company chose to disclose something that fits no other item, so the content is whatever it says it is. Item 8.01
  • Regulation FD disclosure Item 7.01
  • Results announced Item 2.02
  • Shareholder vote The results of the annual meeting or a special vote. Item 5.07
  • Annual report filed A new 10-K. The figures and the business description on this site come from it. Form 10-K
  • Regulation FD disclosure Item 7.01

Item numbers are Form 8-K's own, and a filing date is up to four business days after the thing it reports. The same feed across the whole market.

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