C&F Financial Corp
CFFI
NASDAQ
Banking
$83.66
USD
-1.09 (-1.29%)
At close: Jul 30, 2026, 4:00 PM EDT
Market Cap $275.81M
Volume 5.1K
About C&F Financial Corp
C&F Financial Corp. is a bank holding company, which engages in the provision of banking services to individuals and businesses. The company is headquartered in West Point, Virginia and currently employs 575 full-time employees. The firm owns all the stock of Citizens and Farmers Bank (C&F Bank), which is an independent commercial bank. Its segments include community banking, mortgage banking and consumer finance. The community banking segment provides services through C&F Bank. C&F Bank provides community banking services to individuals and businesses, including various types of checking and savings deposit accounts, and business, real estate, development, mortgage, home equity and installment loans. C&F Bank operates 31 banking offices and four commercial loan offices. The company conducts mortgage banking activities through C&F Mortgage Corporation, which offers a range of residential mortgage loans, which are originated for sale to investors in the secondary mortgage market. The company conducts consumer finance activities through C&F Finance Company (C&F Finance). C&F Finance is a regional finance company purchasing automobile, marine and recreational vehicle loans.
CEO
Mr. Thomas Cherry
HQ
West Point, VIRGINIA, US
Founded
1992
Employees
575
Quantli Score
8.4
Outperform
Fin. Health
8.1
Profitability
7.6
Growth
9.0
Cash-Flow Q.
8.8
Key Metrics
7 metrics our research team weighs before forming a view on CFFI.
Based on Quantli research · SEC filings · as of Q1 2026
METRIC
VALUE
CHANGE
TREND (3Y)
Revenue Growth (TTM)
9.7%
-0.8 pp
Gross Margin (TTM)
76.0%
+1.5 pp
Operating Margin (TTM)
18.3%
+3.0 pp
Net Margin (TTM)
14.9%
+2.3 pp
ROE (TTM)
10.7%
+1.4 pp
EPS Growth (TTM)
30.4%
+20.6 pp
Free Cash Flow (TTM)
$11.32M
-68.4%
Financial Snapshot
Revenue
$190.26M
+9.7%
YoY
Gross Margin
76%
TTM
+2.0%
YoY
Net Income
$28.39M
+29.8%
YoY
Operating Cash Flow
$13.71M
-64.9%
YoY
Key Statistics
Open
$83.50
Previous Close
$84.75
Day Range
$83.50 - $84.32
52 Week Range
$61.45 - $86.18
Volume
5.1K
Average Volume (10 Days)
10.0K
Market Cap
$275.81M
P/E Ratio (TTM)
9.48
P/S Ratio (TTM)
1.45
Dividend Yield
2.18%
Valuation Measurement
Market Cap
$275.81M
Trailing P/E
9.48
Price / Sales
1.45
Price / Book
1.04
Financial Highlights
Profit Margin
14.9%
Return on Assets
1.0%
Return on Equity
10.7%
Revenue (TTM)
$190.26M
Net Income (TTM)
$28.39M
Diluted EPS (TTM)
$8.70
Total Cash (MRQ)
$15.29M
Levered FCF (TTM)
$11.32M
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