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Home CompaniesC&F Financial Corporation

C&F Financial Corporation

Financial Services Banks - Regional
PortfolioPortfolio WatchlistWatchlist
Company price
105.12 USD -3.23 ( 2.98%)
Last update at 2026-11-06T21:20:00Z
VOLUME
49977
Market Cap
313.01M
P/E
10.71

Momentum Score

…

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, such as checking and savings deposit accounts; and business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet and mobile banking, peer-to-peer payment capabilities, debit cards, safe deposit box rentals, notary public, electronic transfer, and other customary bank services, as well as wealth management services; and engages in owning equity interests in an independent insurance agency, and a full-service title and settlement agency. The Mortgage Banking segment offers various residential mortgage loans, which are originated for sale to investors in the secondary mortgage market; 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. This segment also provides mortgage loan origination functions as a service to third party mortgage lenders and other community banks; and ancillary mortgage loan production services to third parties for residential appraisals. The Consumer Finance segment offers automobile financing through lending programs to serve customers in both the prime and non-prime markets. C&F Financial Corporation was founded in 1927 and is based in Toano, Virginia.

Source: TradingView
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Day Price Range
105.12
Low
109.63
High
52 Week Price Range
63.15
Low
96.35
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

C&F Financial Corporation is the bank holding company for C&F Bank, a regional commercial and consumer bank operating primarily in Virginia and nearby markets that provides loans, deposit accounts and related financial services.
Long-term growth may be supported by net interest margin tailwinds, organic loan and deposit expansion and modest fee-income diversification, which could make its local banking franchise appealing to investors.
Material risks include sensitivity to interest-rate cycles, regional economic or commercial real estate weakness, competitive pressure from larger banks and fintechs, and potential regulatory or credit shocks.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
108.35
Dividend Yield
1.98%
Revenue TTM
136.33M
Revenue Per Share
42.02
Gross Profit TTM
136.33M
Debt / Equity
0.44
ROE
11.27%
Net Debt
102.19M
ROCE
1.20%
Diluted EPS TTM
8.99

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 33.07M 24.13M 29.16M 36.96M 38.08M
Minority interest -0.16M -0.08M -0.12M -0.21M 0.46M
Net income 26.84M 19.83M 23.60M 29.37M 29.12M
Selling general administrative 56.78M 55.41M 56.53M 47.87M 58.58M
Selling and marketing expenses - 1.21M 1.55M 1.80M 1.52M
Gross profit 129.29M 110.44M 115.05M 1.68M 134.53M
Reconciled depreciation 3.92M 3.86M 3.97M 4.36M 4.74M
Ebit - 24.13M 29.16M 44.64M 38.08M
Ebitda 33.07M 27.99M 33.04M 49.00M 42.82M
Depreciation and amortization - 3.86M 3.88M 4.36M 4.74M
Operating income 33.07M 24.13M 29.16M 44.64M 38.08M
Other operating expenses 153.06M 142.38M 120.59M 42.96M -96.45M
Interest expense 45.29M 42.82M 26.43M 7.89M 8.36M
Tax provision 6.08M 4.21M 6.76M 7.59M 8.96M
Interest income 151.50M 139.59M 120.13M 101.35M 93.73M
Net interest income 106.21M 96.78M 99.74M 93.46M 85.37M
Income tax expense 6.08M 4.21M 5.42M 7.59M 8.96M
Total revenue 186.13M 166.51M 149.76M 1.68M 134.53M
Total operating expenses 96.22M 86.31M 85.89M 42.96M -96.45M
Cost of revenue 56.84M 56.07M 34.70M - -
Total other income expense net - -94.73M -10.18M -7.68M -8.36M
Net income from continuing ops 26.99M 19.92M 28.96M 29.37M 29.12M
Net income applicable to common shares - - - 29.16M 28.67M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 2768.49M 2563.37M 2445.39M 2332.92M 2265.23M
Intangible assets 0.91M 1.15M 1.41M 1.68M 1.98M
Other current assets - - 731.56M 27.12M 1171.85M
Total liab 2506.15M 2336.40M 2227.87M 2136.08M 2053.50M
Total stockholder equity 262.35M 226.36M 216.88M 196.23M 211.02M
Other current liab -4.91M 2170.86M 1184.16M -37.54M -35.45M
Common stock 3.15M 3.11M 3.24M 3.33M 3.40M
Capital stock 3.15M 3.11M 3.24M 3.33M 3.40M
Retained earnings 268.70M 247.81M 233.76M 217.21M 193.81M
Other liab - - - 29.90M 48.42M
Good will 25.19M 25.19M 25.19M 25.19M 25.19M
Other assets 2205.70M 2033.82M - 1201.37M 1172.56M
Cash 13.62M 65.59M 75.16M 26.66M 267.75M
Total current liabilities 20.00M 2204.26M 1243.49M 37.54M 35.45M
Current deferred revenue - - -3.49M - -
Net debt 102.19M 57.02M 37.26M 65.42M -177.28M
Short term debt 21.17M 28.99M 59.34M 36.59M 34.73M
Short long term debt 20.00M 28.99M 58.22M 36.59M 34.73M
Short long term debt total 115.81M 122.61M 112.42M 92.08M 90.46M
Other stockholder equity 1.08M 0.04M 6.57M 12.65M 15.89M
Property plant equipment - - - 52.30M 45.63M
Total current assets 483.46M 142.63M 731.56M 548.23M 647.63M
Long term investments 327.23M 418.62M 462.44M 512.59M 1825.27M
Net tangible assets - - - 168.76M 211.02M
Short term investments 458.11M 66.45M 462.44M 512.59M 373.07M
Net receivables 11.73M 10.59M 10.40M 8.98M 6.81M
Long term debt 93.33M 93.61M 51.32M 55.49M 55.73M
Inventory - - 99.14M 0.35M 1.02M
Accounts payable 3.75M 4.40M 3.49M 0.95M 0.71M
Noncontrolling interest in consolidated entity - - - - 0.71M
Accumulated other comprehensive income -11.17M -24.60M -26.69M -36.96M -2.09M
Common stock total equity - - - - 3.40M
Retained earnings total equity - - - - 193.81M
Non currrent assets other -2002.57M 83.97M 1525.94M -22.01M -13.61M
Non current assets total 79.34M 2420.74M 1713.83M 583.31M 445.04M
Long term debt total - - - - 55.73M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -22.03M -148.64M -120.73M -411.28M -150.59M
Change to liabilities - - - 0.00M -6.48M
Total cashflows from investing activities -169.35M -148.64M -56.34M -411.28M -138.69M
Net borrowings -8.99M 10.77M 17.63M 1.86M 14.28M
Total cash from financing activities 158.41M 100.58M 66.03M 79.64M 162.38M
Change to operating activities - - - -7.23M -5.20M
Net income 26.99M 19.92M 23.75M 29.37M 29.12M
Change in cash 13.55M -9.57M 48.50M -241.08M 181.08M
Begin period cash flow 65.59M 75.16M 26.66M 267.75M 86.67M
End period cash flow 79.13M 65.59M 75.16M 26.66M 267.75M
Total cash from operating activities 24.49M 38.49M 38.81M 90.56M 157.39M
Depreciation 3.92M 3.86M 3.88M 4.36M 4.74M
Other cashflows from investing activities -169.35M -189.36M -116.42M 3.29M 16.68M
Dividends paid 5.95M 5.78M 5.99M -5.76M -5.67M
Change to account receivables -1.13M -0.19M -1.42M -2.17M 1.29M
Sale purchase of stock -0.94M -8.76M -7.76M -5.37M -8.23M
Other cashflows from financing activities 174.30M 104.35M 62.14M 90.77M 176.29M
Change to netincome - - - 66.44M 148.99M
Capital expenditures 2.33M 3.49M 1.46M 3.39M 4.79M
Change receivables - - - - 1.29M
Cash flows other operating - - - - -23.83M
Cash and cash equivalents changes - - - - 181.08M
Change in working capital 1.06M 7.00M -1.20M -9.40M -3.90M
Stock based compensation 1.85M 1.92M 1.99M 1.97M 1.70M
Other non cash items -3.56M 5.31M 9.49M 63.55M 125.82M
Free cash flow 22.16M 35.00M 37.35M 87.17M 152.60M

Peer Comparison*

Sector: Financial Services Industry: Banks - Regional

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
CFFI
C&F Financial Corporation		 -3.23
2.98%		 105.12 10.71 5.69 2.30 1.12 3.15
DBSDY
DBS Group Holdings Ltd ADR		 -6.82
3.06%		 215.88 20.00 17.57 7.54 3.17 13.19
CIHHF
China Merchants Bank Co Ltd Class H		 -
-%		 6.66 7.70 7.10 0.55 0.83 3.51
CIHKY
China Merchants Bank Co Ltd		 0.02
0.06%		 34.57 7.79 7.20 0.55 0.85 3.51
UNCFF
UniCredit SpA		 -0.81
0.94%		 85.79 11.53 10.27 5.72 1.83 8.22

Profile*

C&F Financial Corporation

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, such as checking and savings deposit accounts; and business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet and mobile banking, peer-to-peer payment capabilities, debit cards, safe deposit box rentals, notary public, electronic transfer, and other customary bank services, as well as wealth management services; and engages in owning equity interests in an independent insurance agency, and a full-service title and settlement agency. The Mortgage Banking segment offers various residential mortgage loans, which are originated for sale to investors in the secondary mortgage market; 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. This segment also provides mortgage loan origination functions as a service to third party mortgage lenders and other community banks; and ancillary mortgage loan production services to third parties for residential appraisals. The Consumer Finance segment offers automobile financing through lending programs to serve customers in both the prime and non-prime markets. C&F Financial Corporation was founded in 1927 and is based in Toano, Virginia.

3600 La Grange Parkway, Toano, VA, United States, 23168

804 843 2360

https://www.cffc.com

575

Name Title Year Born
Mr. Larry G. Dillon Exec. Chairman 1953
Mr. Thomas F. Cherry Pres, CEO & Non Independent Director 1969
Mr. Jason E. Long Exec. VP, CFO & Sec. 1979
Mr. Bryan E. McKernon Pres and CEO of C&F Mortgage Corp. 1956
Mr. Steven Dustin Crone Pres and CEO of C&F Fin. Company 1969
Mr. Rodney W. Overby Exec. VP & Chief Information Officer NA
Mr. John Anthony Seaman III Exec. VP & Chief Credit Officer of C&F Bank 1958
Ms. Mary-Jo Rawson Sr. VP & Controller 1954
Mr. Larry G. Dillon Executive Chairman of the Board 1953
Mr. Thomas F. Cherry President, CEO & Non Independent Director 1969

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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