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C&F Financial Corporation

C&F Financial Corporation

CFFI · NASDAQ · Financial Services / Banks - Regional

106.00USD+0.18 (+0.17%)

Price History

Full chart

Market Stats

Previous Close105.82
Open107.50
Day Range105.44 – 107.50
52-Week Range63.15 – 97.07
Volume39.27K
Market Cap302.44M
P/E (TTM)10.20
Forward P/E5.69
EPS9.12
Dividend Yield2.10%
Beta0.35
50-Day Avg87.99
200-Day Avg78.08

About

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.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Thomas F. Cherry
  • Employees575
  • Headquarters3600 La Grange Parkway, Toano, VA, United States, 23168, USA
  • Websitehttps://www.cffc.com

Leadership

  • Mr. Larry G. DillonExecutive Chairman of the Board · b. 1953
  • Mr. Thomas F. CherryPresident, CEO & Non Independent Director · b. 1969
  • Mr. Jason E. Long CPAExecutive VP, CFO & Secretary · b. 1979
  • Mr. John Anthony Seaman IIIExecutive VP & Chief Credit Officer of C&F Bank · b. 1958
  • Mr. Steven Dustin CronePresident and CEO of C&F Finance Company · b. 1969
  • Mr. Mark A. FoxPresident & CEO - C&F Mortgage Corp. · b. 1966
  • Mr. Rodney W. OverbyExecutive VP & Chief Information Officer
  • Mr. Matt HubbardRegional President of Southwest Virginia

Financials

Income Statement

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue12.38M26.50M33.50M34.70M35.37M45.66M52.07M67.99M65.53M76.35M85.97M90.70M90.85M101.66M99.55M90.96M97.59M101.88M105.90M107.76M115.49M116.83M117.47M124.79M148.21M139.97M123.45M149.76M166.51M186.13M
Growth (%)-+114.11%+26.42%+3.58%+1.92%+29.09%+14.06%+30.57%-3.62%+16.51%+12.59%+5.51%+0.17%+11.89%-2.08%-8.63%+7.28%+4.40%+3.95%+1.76%+7.17%+1.16%+0.55%+6.23%+18.77%-5.56%-11.81%+21.31%+11.19%+11.78%
Cost of Revenue7.70M8.30M10.20M9.70M11.71M12.38M10.33M11.99M11.57M17.52M23.08M30.51M35.16M34.02M28.19M26.04M22.52M23.71M24.86M24.21M27.01M26.04M22.03M23.07M24.46M8.93M11.06M34.70M56.07M56.84M
Gross Profit4.68M18.20M23.30M25.00M23.66M33.27M41.75M55.99M53.96M58.84M62.89M60.20M55.69M67.64M71.35M64.92M75.07M78.17M81.05M83.56M88.48M90.79M95.44M101.72M123.75M131.04M112.39M115.05M110.44M129.29M
Gross Margin37.80%68.68%69.55%72.05%66.89%72.87%80.17%82.36%82.34%77.06%73.15%66.36%61.30%66.53%71.68%71.37%76.93%76.73%76.53%77.54%76.61%77.71%81.24%81.51%83.50%93.62%91.04%76.83%66.33%69.46%
Operating Expense-341.16K11.70M14.80M15.80M16.00M21.96M27.85M36.75M37.75M41.87M45.33M48.37M50.90M60.17M60.30M46.21M51.04M56.60M63.56M66.17M70.56M72.82M72.90M77.78M94.53M92.96M75.42M85.89M86.31M96.22M
Operating Income5.02M6.50M8.50M9.20M7.66M11.31M13.90M19.25M16.20M16.97M17.56M11.82M4.80M7.47M11.06M18.71M24.03M21.57M17.49M17.38M17.92M17.97M22.54M23.93M29.22M38.08M36.96M29.16M24.13M33.07M
Operating Margin40.56%24.53%25.37%26.51%21.66%24.77%26.70%28.31%24.73%22.22%20.42%13.04%5.28%7.35%11.11%20.57%24.62%21.17%16.51%16.13%15.52%15.38%19.19%19.18%19.71%27.21%29.94%19.47%14.49%17.77%
EBITDA6.16M7.70M9.70M10.40M8.95M12.91M15.64M20.93M17.65M18.52M19.57M14.39M7.18M9.54M12.95M20.83M26.30M23.92M20.23M19.89M21.34M21.41M26.21M27.80M33.41M42.82M41.32M33.04M27.99M36.61M
EBITDA Margin49.79%29.06%28.96%29.97%25.31%28.28%30.03%30.79%26.93%24.25%22.76%15.86%7.90%9.38%13.00%22.90%26.95%23.48%19.10%18.46%18.48%18.33%22.31%22.28%22.54%30.59%33.47%22.06%16.81%19.67%
Net Income4.06M4.90M6.10M6.80M5.84M7.99M9.76M12.92M11.20M11.79M12.13M8.48M4.18M5.53M8.11M12.98M16.38M14.40M12.34M12.53M13.46M6.57M18.02M18.86M22.12M28.67M29.16M23.60M19.83M26.84M
Net Income Margin32.81%18.49%18.21%19.60%16.50%17.50%18.75%19.00%17.09%15.44%14.11%9.35%4.60%5.44%8.15%14.27%16.79%14.14%11.66%11.63%11.65%5.63%15.34%15.11%14.92%20.48%23.62%15.76%11.91%14.42%
R&D---------------00000000-------
R&D as % of Total Revenue---------------0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%-------
Interest Expense7.67M8.00M9.60M9.10M11.31M11.98M9.18M8.83M7.55M12.00M18.46M23.38M21.39M15.46M13.23M11.88M10.11M8.62M8.53M8.69M8.97M9.60M11.03M14.56M13.38M8.36M7.89M26.43M42.82M45.29M
Interest Expense % of Total Revenue61.95%30.19%28.66%26.22%31.98%26.25%17.64%12.98%11.52%15.71%21.47%25.77%23.55%15.21%13.30%13.06%10.36%8.46%8.05%8.07%7.77%8.22%9.39%11.66%9.03%5.97%6.39%17.65%25.72%24.33%

Balance Sheet

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets256.67M278.10M320.90M329.20M347.47M404.08M551.92M573.55M609.12M671.96M734.47M785.60M855.66M888.43M904.14M928.12M977.02M1.31B1.34B1.41B1.45B1.51B1.52B1.66B2.09B2.26B2.33B2.44B2.56B2.77B
Total Liabilities224.46M246.30M284.30M294.10M308.69M359.33M495.69M508.16M539.22M611.87M666.46M720.37M790.80M799.55M811.36M832.03M874.82M1.20B1.21B1.27B1.31B1.37B1.37B1.49B1.89B2.05B2.14B2.22B2.34B2.51B
Total Equity32.21M31.80M36.60M35.10M38.78M44.74M56.23M65.38M69.90M60.09M68.01M65.22M64.86M88.88M92.78M96.09M102.20M112.94M123.61M131.06M139.21M141.70M151.96M165.27M193.81M210.32M195.63M216.88M226.36M261.75M
Cash8.80M8.90M8.50M15.50M14.84M11.06M18.33M49.75M45.19M42.88M28.51M11.43M9.89M38.06M9.68M11.51M25.62M56.42M167.62M152.94M103.20M119.42M115.01M165.43M86.67M267.75M26.66M75.16M65.59M79.13M
Total Debt5.06M9.30M24.70M30.00M13.97M27.20M94.48M67.73M78.28M102.31M115.06M176.05M198.84M150.21M143.52M161.15M162.75M169.84M167.03M177.26M164.57M167.86M159.69M236.20M76.17M90.46M92.08M109.54M122.61M113.33M
Net Debt-3.74M400.00K16.20M14.50M-868.73K16.15M76.15M17.98M33.10M59.44M86.55M164.61M188.95M112.15M133.84M129.02M137.13M113.42M-589.00K24.32M61.37M48.44M44.68M-4.26M-10.50M-177.28M65.42M34.38M57.02M34.20M

Cash Flow

Currency: USD1996-12-311997-12-311998-12-311999-12-312000-12-312001-12-312002-12-312003-12-312004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-4.30M-4.00M-32.40M45.30M14.57M-38.98M-21.05M86.56M-5.28M28.62M5.09M33.71M21.02M31.84M-13.41M27.99M29.28M63.64M34.18M15.33M26.98M25.77M47.55M-15.16M-80.37M157.39M90.56M38.81M38.49M24.49M
Investing Cash Flow-12.87M-9.70M-2.10M-46.40M-25.88M-23.40M-36.45M-68.37M-22.98M-82.79M-66.01M-94.05M-86.48M-27.11M-23.11M-31.18M-44.77M90.81M-24.41M-83.66M-106.32M-59.91M-47.52M-35.93M-183.29M-138.69M-411.28M-56.34M-148.64M-169.35M
Financing Cash Flow12.37M13.80M34.20M8.10M10.66M58.59M64.77M13.23M23.69M51.86M46.54M44.09M63.09M23.44M8.13M5.01M29.19M-31.93M9.71M53.66M29.61M50.36M-4.44M101.51M184.90M162.38M79.64M66.03M100.58M158.41M
Capital Expenditure960.71K1.60M900.00K2.90M2.51M17.28M908.15K2.86M4.38M12.39M6.05M2.23M658.00K426.00K1.14M1.84M891.00K3.65M1.81M1.81M2.71M4.18M3.37M2.71M10.23M4.79M3.39M1.46M3.49M2.33M
Free Cash Flow-5.26M-5.60M-33.30M42.40M12.07M-56.26M-21.95M83.69M-9.66M16.23M-954.00K31.48M20.36M31.41M-14.55M26.15M28.39M59.94M32.36M13.52M24.27M21.59M44.18M-17.87M-90.60M152.60M87.17M37.35M35.00M22.16M
Dividends Paid1.37M1.40M1.70M1.80M1.91M2.06M2.23M2.59M3.20M3.34M3.66M3.77M3.75M4.08M4.09M4.02M3.68M3.85M4.05M4.15M4.46M4.64M4.93M5.13M5.55M5.67M5.76M5.99M5.78M5.95M
FCF to OCF122.37%140.00%102.78%93.60%82.80%144.34%104.32%96.69%183.09%56.71%-18.72%93.39%96.87%98.66%108.50%93.43%96.96%94.19%94.69%88.21%89.96%83.78%92.90%117.84%112.73%96.96%96.25%96.24%90.94%90.49%
Dividend Paid to FCF-25.97%-25.00%-5.11%4.25%15.84%-3.65%-10.14%3.10%-33.15%20.57%-383.33%11.97%18.44%12.99%-28.10%15.36%12.97%6.41%12.51%30.67%18.39%21.47%11.16%-28.71%-6.12%3.72%6.60%16.03%16.51%26.86%

Earnings

Report DateMar 31, 1998Jun 30, 1998Sep 30, 1998Mar 31, 1999Jun 30, 1999Sep 30, 1999Mar 31, 2000Jun 30, 2000Sep 30, 2000Dec 31, 2000Mar 31, 2001Jun 30, 2001Sep 30, 2001Dec 31, 2001Mar 31, 2002Jun 30, 2002Sep 30, 2002Jan 29, 2003Apr 15, 2003Jul 23, 2003Oct 23, 2003Jan 23, 2004Apr 20, 2004Jul 21, 2004Oct 20, 2004Jan 28, 2005Apr 19, 2005Jul 29, 2005Oct 26, 2005Jan 27, 2006Apr 28, 2006Aug 14, 2006Oct 27, 2006Jan 26, 2007Apr 27, 2007Jul 27, 2007Oct 26, 2007Feb 1, 2008Apr 29, 2008Jul 25, 2008Oct 24, 2008Jan 30, 2009Apr 30, 2009Jul 30, 2009Oct 30, 2009Jan 29, 2010Apr 28, 2010Jul 30, 2010Oct 29, 2010Jan 28, 2011Apr 29, 2011Jul 28, 2011Oct 26, 2011Jan 26, 2012Apr 25, 2012Sep 30, 2012Dec 31, 2012Jan 24, 2013Jun 30, 2013Sep 30, 2013Oct 21, 2013Mar 31, 2014Jun 30, 2014Sep 30, 2014Dec 31, 2014Mar 31, 2015Jun 30, 2015Sep 30, 2015Dec 31, 2015Mar 31, 2016Jun 30, 2016Sep 30, 2016Oct 25, 2016Jan 26, 2017Apr 25, 2017Jul 27, 2017Oct 26, 2017Jan 25, 2018Apr 17, 2018Jul 24, 2018Oct 25, 2018Jan 24, 2019Apr 23, 2019Jul 23, 2019Oct 24, 2019Jan 24, 2020Apr 23, 2020Jul 23, 2020Oct 27, 2020Jan 27, 2021Apr 22, 2021Jul 22, 2021Oct 21, 2021Jan 25, 2022Apr 21, 2022Jul 21, 2022Oct 27, 2022Jan 24, 2023Apr 26, 2023Jul 26, 2023Oct 26, 2023Jan 24, 2024Apr 19, 2024Jul 24, 2024Oct 29, 2024Jan 22, 2025Apr 17, 2025Jul 22, 2025Oct 29, 2025Jan 27, 2026Mar 31, 2026Jul 23, 2026Oct 22, 2026
EPS Estimate-----------------0.760.750.800.840.850.810.670.680.750.780.750.800.750.720.840.870.870.830.700.760.670.570.58-----0.200.310.300.420.650.680.760.941.020.89--1.05-------------------------------------------------------
EPS Actual0.370.410.430.560.440.480.370.380.450.400.420.520.580.710.500.640.740.790.870.940.890.720.620.770.840.770.710.821.010.840.771.140.950.840.620.770.730.560.470.470.100.350.410.480.450.100.470.360.740.670.850.880.961.021.111.361.171.171.220.970.820.831.090.970.710.771.211.020.670.721.360.920.890.780.781.190.870.051.111.451.461.131.081.691.421.270.981.031.862.191.922.192.161.671.591.911.852.971.861.841.711.501.011.501.651.871.662.372.192.072.082.40-
Surprise-----------------3.95%16.00%17.50%5.95%-15.29%-23.46%14.93%23.53%2.67%-8.97%9.33%26.25%12.00%6.94%35.71%9.20%-3.45%-25.30%10.00%-3.95%-16.42%-17.54%-18.97%------50.00%51.61%20.00%76.19%3.08%25.00%15.79%2.13%0.00%24.72%--11.43%-------------------------------------------------------
Timing------------------After-hoursAfter-hoursAfter-hoursAfter-hours--After-hoursAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hours-----After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours--After-hours--------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hours---------------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketPre-marketPre-marketAfter-hours--After-hoursAfter-hours

Key Statistics & Ratios

Market Cap302.44M
Enterprise Value357.46M
Trailing P/E10.20
Forward P/E5.69
PEG Ratio0.00
Price / Sales2.22
Price / Book1.10
EPS9.12
Book Value85.46
Revenue (TTM)136.33M
Gross Profit (TTM)136.33M
Profit Margin21.34%
Operating Margin28.44%
Return on Equity11.27%
Return on Assets1.06%
Shares Outstanding3.25M
Shares Float3.03M
Beta0.35
Dividend Yield2.10%
Dividend Rate1.92
Payout Ratio21.76%

Ownership Breakdown

Institutions
42.20%
Insiders
6.53%
Retail / Other
51.27%

Top Institutional Holders

  • Dimensional Fund Advisors, Inc.
    183.88K5.65%
  • BlackRock Inc
    176.93K5.44%
  • Vanguard Capital Management, LLC
    135.72K4.17%
  • Manufacturers Life Insurance Co
    101.96K3.14%
  • Renaissance Technologies Corp
    80.78K2.48%
  • Geode Capital Management, LLC
    71.87K2.21%
  • Huber Capital Management LLC
    60.41K1.86%
  • State Street Corp
    44.05K1.35%
  • American Century Companies Inc
    42.62K1.31%
  • Bridgeway Capital Management, LLC
    38.79K1.19%
  • LSV Asset Management
    34.87K1.07%
  • BB&T Corp.
    29.59K0.91%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    96.94K2.98%
  • iShares Russell 2000 ETF
    75.28K2.32%
  • JHancock Regional Bank A
    55.91K1.72%
  • DFA US Small Cap Value I
    42.67K1.31%
  • Huber Small Cap Value Inv
    39.39K1.21%
  • JH Financial Opportunities
    37.91K1.17%
  • Avantis US Small Cap Value ETF
    34.26K1.05%
  • Fidelity Small Cap Index
    32.99K1.01%

Dividends

20263×
0.48Sep 15, 20260.48Jun 15, 20260.48Mar 13, 2026
20254×
0.46Dec 15, 20250.46Sep 15, 20250.46Jun 13, 20250.46Mar 14, 2025
20244×
0.44Dec 13, 20240.44Sep 13, 20240.44Jun 14, 20240.44Mar 14, 2024
20234×
0.44Dec 14, 20230.44Sep 14, 20230.44Jun 14, 20230.44Mar 14, 2023
20224×
0.42Dec 14, 20220.42Sep 14, 20220.40Jun 14, 20220.40Mar 14, 2022
20214×
0.40Dec 14, 20210.40Sep 14, 20210.40Jun 14, 20210.38Mar 11, 2021
20201×
0.38Dec 11, 2020

Stock Splits

  • Jul 21, 19982:1