C&F Financial Corporation
- Open
- 90.50
- Day high
- 92.80
- Day low
- 90.14
- Prev close
- 91.75
- Volume
- 75K
- Mkt cap
- $296M
- P/E (TTM)
- 10.1
- EPS (TTM)
- $8.97
- P/B
- 1.1
- P/S
- 1.5
- Yield
- 2.07%
- Per share
- $1.88
- ▼Insiders net selling -$429K over the last 3 months (0 open-market buys, 10 sales)
- 🏛Institutions reducing (13F)
C&F Financial Corporation (CFFI) is a Financial Services company listed on NASDAQ. The stock is up 28% over the past year. Over the trailing 3 months, insiders filed 0 open-market buys and 10 sales (SEC Form 4).
C&F Financial Corporation (CFFI) financials & analyst ratings
Fundamentals (TTM)
Source: exchange market data + company filings. Figures are trailing-twelve-month or as most recently reported. For informational purposes only — not investment advice.
CFFI earnings date, history & EPS estimates
| Report date | EPS est | EPS actual | Surprise | Revenue | Rev. surprise |
|---|---|---|---|---|---|
| Jul 23, 2026 | — | $2.63 | — | $50M | — |
| Apr 23, 2026 | — | $2.08 | — | $48M | — |
| Jan 27, 2026 | — | $2.07 | — | $48M | — |
| Oct 23, 2025 | — | $2.18 | — | $47M | — |
| Jul 24, 2025 | — | $2.37 | — | $47M | — |
| Apr 24, 2025 | — | $1.66 | — | $43M | — |
| Jan 28, 2025 | — | $1.87 | — | $31M | — |
| Jul 24, 2024 | — | $1.50 | — | $31M | — |
| Apr 19, 2024 | — | $1.01 | — | $30M | — |
| Jan 24, 2024 | — | $1.50 | — | $40M | — |
| Oct 26, 2023 | — | $1.71 | — | $38M | — |
| Jul 26, 2023 | — | $1.84 | — | $31M | — |
CFFI insider trading activity (SEC Form 4)
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| Aug 20, 2026 | DILLON LARRY Gdirector, officer: EXECUTIVE CHAIRMAN | Sell | 1,000 | $86.00 |
| Aug 7, 2026 | PEAY D ANTHONYdirector | Sell | 425 | $85.92 |
| Aug 7, 2026 | CHERRY THOMAS Fdirector, officer: PRESIDENT & CEO | Sell | 500 | $87.13 |
| Aug 4, 2026 | Seaman John A IIIofficer: EVP, CHIEF CREDIT OFFICER | Sell | 650 | $84.61 |
| Jun 15, 2026 | CHERRY THOMAS Fdirector, officer: PRESIDENT & CEO | Sell | 30 | $78.50 |
| Jun 15, 2026 | CHERRY THOMAS Fdirector, officer: PRESIDENT & CEO | Sell | 141 | $77.50 |
| Jun 10, 2026 | CHERRY THOMAS Fdirector, officer: PRESIDENT & CEO | Sell | 200 | $75.00 |
| Jun 10, 2026 | CHERRY THOMAS Fdirector, officer: PRESIDENT & CEO | Sell | 329 | $78.50 |
| Jun 10, 2026 | CHERRY THOMAS Fdirector, officer: PRESIDENT & CEO | Sell | 678 | $75.56 |
| Jun 9, 2026 | Long Jason Eofficer: EVP, CHIEF FINANCIAL OFFICER | Sell | 1,360 | $75.50 |
| May 28, 2026 | CHERRY THOMAS Fdirector, officer: PRESIDENT & CEO | Sell | 500 | $75.00 |
| May 13, 2026 | Kelley Elizabeth Rdirector | Sell | 1,025 | $73.00 |
| Apr 22, 2026 | PEAY D ANTHONYdirector | Grant | 450 | — |
| Apr 22, 2026 | CAUSEY J P JRdirector | Grant | 450 | — |
| Apr 22, 2026 | Smith Jeffery Odirector | Grant | 450 | — |
Source: CFFI SEC Form 4 filings, latest Aug 20, 2026. For informational purposes only — not investment advice.
See the full CFFI insider & 13F page →C&F Financial Corporation company profile
Overview
C&F Financial Corporation (NASDAQ:CFFI) is a regional bank holding company founded in 1927 and headquartered in West Point, Virginia. The company operates through its primary subsidiary, Citizens and Farmers Bank, serving individuals and businesses across Virginia and surrounding states. With nearly a century of operations, C&F Financial has evolved from a small community bank into a diversified financial services provider with approximately $2.6 billion in total assets and 30 branch locations throughout Virginia.
Business
C&F Financial operates as a traditional regional bank holding company in the financial services sector, providing comprehensive banking and financial services through three primary business segments: **Retail Banking** represents the core traditional banking operations, offering fundamental banking services including checking and savings accounts, certificates of deposit, and various loan products such as commercial loans, real estate loans, mortgage loans, home equity loans, and personal installment loans. This segment also provides standard banking conveniences like ATM access, online and mobile banking platforms, debit and credit cards, safe deposit boxes, and notary services. The retail banking operations are conducted through the main office in West Point, Virginia, and 30 branch locations strategically positioned across Virginia counties including Chesterfield, Henrico, James City, King George, and others. **Mortgage Banking** focuses specifically on residential mortgage loan origination and servicing. This segment originates conventional mortgage loans as well as government-backed mortgages insured by the Federal Housing Administration (FHA) or guaranteed by the Department of Veterans Affairs (VA) and the U.S. Department of Agriculture (USDA). The mortgage banking operations extend beyond Virginia through 11 offices in Virginia and additional offices in Maryland, North Carolina, South Carolina, and West Virginia, providing broader geographic reach for mortgage origination services. **Consumer Finance** operates automobile lending services through dedicated offices in Richmond and Hampton, Virginia, focusing on vehicle financing for consumers. The company also provides ancillary financial services including brokerage and wealth management services, insurance products, and title and settlement agency services, creating additional revenue streams beyond traditional banking operations.
Revenue model
C&F Financial generates revenue through multiple streams typical of regional banking institutions. The primary revenue source is net interest income, which represents the difference between interest earned on loans and investments and interest paid on deposits and borrowed funds. This traditional banking spread model depends on the company's ability to attract low-cost deposits while originating higher-yielding loans across commercial, residential, and consumer categories. Non-interest income provides additional revenue through various fee-based services including mortgage banking fees from loan origination and sale, service charges on deposit accounts, ATM and debit card fees, wealth management and brokerage commissions, insurance product sales, and title and settlement services. The mortgage banking segment generates income through origination fees and the sale of mortgage loans in the secondary market. Several factors influence the company's profitability margins. Interest rate environments significantly impact net interest margins, with rising rates generally benefiting banks by improving loan yields faster than deposit costs increase, while falling rates can compress margins. Credit quality affects profitability through loan loss provisions, with economic downturns potentially increasing charge-offs and reducing net income. Competition from larger national banks, credit unions, and fintech companies can pressure both deposit rates and loan pricing. Regulatory compliance costs represent ongoing operational expenses that can impact margins. Geographic concentration in Virginia creates exposure to regional economic conditions, while the mortgage banking segment faces cyclical pressures from housing market conditions and interest rate volatility affecting refinancing activity.
Competitive moat
C&F Financial operates with a relatively modest competitive moat typical of smaller regional banks. The company's primary defensive characteristics include established local market presence and customer relationships built over nearly a century of operations in Virginia communities. These long-standing relationships create some customer stickiness and local market knowledge that larger national competitors may lack. However, the company's moat is not particularly strong compared to larger financial institutions. Regional banks face significant competitive pressures from multiple directions. Large national banks offer broader product suites, more extensive branch networks, and greater technology investments that can attract customers seeking comprehensive financial services. Credit unions often provide competitive rates and lower fees due to their tax-advantaged status. Fintech companies increasingly compete in lending, payments, and digital banking services with more user-friendly technology platforms. The banking industry's regulatory framework creates some barriers to entry, but these benefit all established banks rather than providing C&F Financial with unique advantages. The company's scale limitations restrict its ability to invest heavily in technology infrastructure or offer the most competitive rates compared to larger institutions with greater operational leverage. Geographic concentration, while providing local market expertise, also limits diversification and growth opportunities compared to banks with broader geographic footprints. Overall, C&F Financial operates in a highly competitive industry with limited sustainable competitive advantages beyond local market relationships and community banking focus.
Risks & safety
C&F Financial demonstrates reasonable financial stability with some areas of concern typical for regional banks: **Overall Assessment**: The company maintains adequate capitalization and profitability but faces typical regional bank challenges including interest rate sensitivity and geographic concentration. • **Liquidity Position**: Strong cash position with $76 million in cash and short-term investments as of Q1 2025, providing operational flexibility • **Debt Management**: Debt-to-equity ratio of 0.51 indicates moderate leverage levels, manageable but requiring monitoring in changing rate environments • **Profitability Metrics**: Return on equity of 2.3% in Q1 2025 shows declining profitability trends compared to 8.8% for full year 2024 • **Valuation Indicators**: Trading at P/E ratio of 10.1x and price-to-book ratio of 0.93x, suggesting reasonable valuation relative to book value • **Operational Cash Flow**: Positive but variable cash generation with $3.2 million from operations in Q1 2025 versus $38.5 million for full year 2024 • **Asset Quality**: Total assets of $2.6 billion with current ratio concerns due to banking industry structure where deposits represent liabilities • **Interest Rate Risk**: Regional banks face margin pressure from rate environment changes, requiring careful asset-liability management
Recent development
Based on the available financial data, C&F Financial has demonstrated mixed operational performance over recent periods. The company's revenue showed growth from $119 million in 2022 to $140 million in 2024, indicating steady business expansion. However, profitability metrics reveal some volatility, with net income declining from $29.2 million in 2022 to $19.9 million in 2024, suggesting pressure on margins despite revenue growth. The company has maintained its dividend payments and continued expanding its geographic footprint in mortgage banking operations across multiple states. Asset growth has been steady, with total assets increasing from $2.33 billion in 2022 to $2.56 billion in 2024. The mortgage banking segment's multi-state presence represents a strategic diversification effort beyond the core Virginia retail banking market. Recent quarterly performance shows some earnings pressure, with Q1 2025 net income of $5.4 million compared to stronger performance in previous quarters. This reflects the challenging operating environment for regional banks facing interest rate pressures and competitive dynamics. The company continues to focus on its core community banking model while expanding ancillary services including wealth management and insurance products to diversify revenue streams.
CFFI company profile · for informational purposes only — not investment advice.
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