C&F Financial Corporation

C&F Financial Corporation

CFFIยทNASDAQ

$70.38

-3.7%
Financial ServicesBanks - Regional

C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. The company's Retail Banking offers various banking services, including checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. It also provides ATMs, Internet and mobile banking, and debit and credit cards, as well as safe deposit box rentals, notary public, electronic transfer, and other customary bank services. This segment offers its services through its main office in West Point, Virginia, as well as through 30 Virginia branches located 1 each in Albermarle, Goochland, Hanover, Middlesex, Powhatan, Stafford, York, Charlottesville, Hampton, Montross, Newport News, Richmond, Warsaw, and Williamsburg; 2 each in the counties of Cumberland, James City, King George, and New Kent; and four each in the counties of Chesterfield and Henrico. The company's Mortgage Banking segment provides various residential mortgage loans; 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; and ancillary mortgage loan origination services for residential appraisals, as well as various mortgage origination functions to third parties. It provides mortgage loan origination services through 11 offices in Virginia, 1 office in Maryland, and 2 offices in North Carolina, as well as through 1 each in South Carolina and West Virginia. The company's Consumer Finance segment provides automobile loans through its offices in Richmond and Hampton, Virginia. It also offers brokerage and wealth management services; and insurance products. In addition, the company provides title and settlement agency, and insurance services. C&F Financial Corporation was founded in 1927 and is headquartered in West Point, Virginia.

At a Glance

Live Snapshot
Market Cap$229.04M
EPS8.2900
P/E Ratio8.49
Earnings Date07/23/2026
0.66%
Dividend Yield
4%
3Y-22.0%
5Y-23.0%
10Y-8.0%
23.11%
Dividend Payout Ratio
4%
3Y-2.0%
5Y+17.0%
10Y-2.0%
3Y+2.0%
5Y+7.0%
10Y+35.0%
C&F Financial Corporation

C&F Financial Corporation Dividend History

CFFI ยท NASDAQ
10Y CAGR +0%
Latest $0
Annual $0
Stable dividend payments
Last Period: +0%

CFFI Dividend Payment History

CFFI ยท NASDAQ

Total Payments

50

Latest Dividend

$0.4800

Annual Amount

$1.8800

Frequency

Quarterly

DeclarationEx-DatePayment DateDividendAdjustedFrequencyGrowth
May 19, 2026
Jun 15, 2026Jul 1, 2026
$0.4800
$0.4800
Quarterly0.00%
Feb 24, 2026
Mar 13, 2026Apr 1, 2026
$0.4800
$0.4800
Quarterly+4.35%
Nov 18, 2025
Dec 15, 2025Jan 1, 2026
$0.4600
$0.4600
Quarterly0.00%
Aug 19, 2025
Sep 15, 2025Oct 1, 2025
$0.4600
$0.4600
Quarterly0.00%
May 20, 2025
Jun 13, 2025Jul 1, 2025
$0.4600
$0.4600
Quarterly0.00%
Feb 20, 2025
Mar 14, 2025Apr 1, 2025
$0.4600
$0.4600
Quarterly+4.55%
Nov 21, 2024
Dec 13, 2024Jan 1, 2025
$0.4400
$0.4400
Quarterly0.00%
Aug 21, 2024
Sep 13, 2024Oct 1, 2024
$0.4400
$0.4400
Quarterly0.00%
May 23, 2024
Jun 14, 2024Jul 1, 2024
$0.4400
$0.4400
Quarterly0.00%
Feb 20, 2024
Mar 15, 2024Apr 1, 2024
$0.4400
$0.4400
Quarterly0.00%
Nov 22, 2023
Dec 15, 2023Jan 1, 2024
$0.4400
$0.4400
Quarterly0.00%
Aug 16, 2023
Sep 15, 2023Oct 1, 2023
$0.4400
$0.4400
Quarterly0.00%
May 16, 2023
Jun 15, 2023Jul 1, 2023
$0.4400
$0.4400
Quarterly0.00%
Feb 23, 2023
Mar 15, 2023Apr 1, 2023
$0.4400
$0.4400
Quarterly+4.76%
Nov 16, 2022
Dec 15, 2022Jan 1, 2023
$0.4200
$0.4200
Quarterly0.00%
Aug 17, 2022
Sep 15, 2022Oct 1, 2022
$0.4200
$0.4200
Quarterly+5.00%
May 19, 2022
Jun 15, 2022Jul 1, 2022
$0.4000
$0.4000
Quarterly0.00%
Feb 16, 2022
Mar 15, 2022Apr 1, 2022
$0.4000
$0.4000
Quarterly0.00%
Nov 17, 2021
Dec 15, 2021Jan 1, 2022
$0.4000
$0.4000
Quarterly0.00%
Aug 18, 2021
Sep 15, 2021Oct 1, 2021
$0.4000
$0.4000
Quarterly0.00%
May 19, 2021
Jun 15, 2021Jul 1, 2021
$0.4000
$0.4000
Quarterly+5.26%
Feb 18, 2021
Mar 12, 2021Apr 1, 2021
$0.3800
$0.3800
Quarterly0.00%
Nov 18, 2020
Dec 14, 2020Jan 1, 2021
$0.3800
$0.3800
Quarterly0.00%
Aug 19, 2020
Sep 15, 2020Oct 1, 2020
$0.3800
$0.3800
Quarterly0.00%
May 19, 2020
Jun 15, 2020Jul 1, 2020
$0.3800
$0.3800
Quarterly0.00%
Feb 18, 2020
Mar 13, 2020Apr 1, 2020
$0.3800
$0.3800
Quarterly0.00%
Nov 19, 2019
Dec 13, 2019Jan 1, 2020
$0.3800
$0.3800
Quarterly+2.70%
Aug 20, 2019
Sep 13, 2019Oct 1, 2019
$0.3700
$0.3700
Quarterly0.00%
May 21, 2019
Jun 14, 2019Jul 1, 2019
$0.3700
$0.3700
Quarterly0.00%
Feb 19, 2019
Mar 15, 2019Apr 1, 2019
$0.3700
$0.3700
Quarterly0.00%
Nov 27, 2018
Dec 14, 2018Jan 1, 2019
$0.3700
$0.3700
Quarterly+2.78%
Aug 21, 2018
Sep 14, 2018Oct 1, 2018
$0.3600
$0.3600
Quarterly+5.88%
May 22, 2018
Jun 15, 2018Jul 1, 2018
$0.3400
$0.3400
Quarterly0.00%
Feb 20, 2018
Mar 15, 2018Apr 1, 2018
$0.3400
$0.3400
Quarterly0.00%
Nov 29, 2017
Dec 15, 2017Jan 1, 2018
$0.3400
$0.3400
Quarterly+3.03%
Aug 16, 2017
Sep 15, 2017Oct 1, 2017
$0.3300
$0.3300
Quarterly0.00%
May 18, 2017
Jun 15, 2017Jul 1, 2017
$0.3300
$0.3300
Quarterly0.00%
Mar 1, 2017
Mar 15, 2017Apr 1, 2017
$0.3300
$0.3300
Quarterly0.00%
Nov 17, 2016
Dec 15, 2016Jan 1, 2017
$0.3300
$0.3300
Quarterly+3.13%
Aug 18, 2016
Sep 15, 2016Oct 1, 2016
$0.3200
$0.3200
Quarterly0.00%
May 19, 2016
Jun 15, 2016Jul 1, 2016
$0.3200
$0.3200
Quarterly0.00%
Feb 25, 2016
Mar 15, 2016Apr 1, 2016
$0.3200
$0.3200
Quarterly0.00%
Nov 19, 2015
Dec 15, 2015Jan 1, 2016
$0.3200
$0.3200
Quarterly+6.67%
Aug 20, 2015
Sep 15, 2015Oct 1, 2015
$0.3000
$0.3000
Quarterly0.00%
May 21, 2015
Jun 15, 2015Jul 1, 2015
$0.3000
$0.3000
Quarterly0.00%
Feb 19, 2015
Mar 13, 2015Apr 1, 2015
$0.3000
$0.3000
Quarterly0.00%
Nov 19, 2014
Dec 15, 2014Jan 1, 2015
$0.3000
$0.3000
Quarterly0.00%
Aug 21, 2014
Sep 15, 2014Oct 1, 2014
$0.3000
$0.3000
Quarterly0.00%
May 21, 2014
Jun 13, 2014Jul 1, 2014
$0.3000
$0.3000
Quarterly+3.45%
Feb 19, 2014
Mar 14, 2014Apr 1, 2014
$0.2900
$0.2900
Quarterly-
cffi

C&F Financial Corporation Payout Ratio Analysis

CFFI ยท NASDAQ
Dividends Paid
-5.95M
2025
Net Income
26.84M
2025
Payout Ratio
22.18%
2025

Dividend Sustainability Analysis

Payout Ratio
22.18%

Conservative payout with excellent safety margin. Company retains significant earnings for growth, acquisitions, or building cash reserves. Dividend is highly sustainable.

FCF Payout Ratio
26.9%

Excellent FCF coverage. Dividend is well-supported by actual cash generation with ample room for increases and business reinvestment.

Dividend Growth
-3.0%

Dividend cut is concerning. Investigate whether due to one-time factors or fundamental business deterioration. Reassess dividend sustainability.

Sustainability
Good

Sustainable dividend with adequate coverage. Some areas for improvement but overall appears safe for dividend investors.