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
3Y+19.0%
5Y+33.0%
10Y+91.0%
3Y+17.0%
5Y+32.0%
10Y+91.0%
3Y+34.0%
5Y+35.0%
10Y+88.0%
cffi

C&F Financial Corporation Funding & Solvency Profile

CFFI ยท NASDAQ
Cash & Cash Equivalents79.13M
Net Receivables11.73M
Inventory0.00
Other Current Assets0.00
Total Current Assets418 M
Property, Plant & Equipment39.20M
Goodwill & Intangible Assets26.10M
Long-Term Investments2.06B
Other Non-Current Assets215.26M
Total Non-Current Assets2 B
Total Assets
2.77B

Financial Health Analysis

Current Ratio

0.18x

Warning: Liquidity concerns. Current assets may not be sufficient to cover short-term obligations.

Debt-to-Equity Ratio

9.55x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

-1951379000

Negative working capital indicates short-term liabilities exceed short-term assetsโ€”potential liquidity stress.

Asset Composition

15% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Financial stress indicators: Both liquidity and leverage metrics raise concerns. The company may face challenges meeting obligations and should focus on strengthening its balance sheet.

C&F Financial Corporation Balance Sheet

CFFI โ€ข NASDAQ

C&F Financial Corporation Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
ASSETS
CURRENT ASSETS
79.1M
65.6M
75.2M
26.7M
267.7M
86.7M
165.4M
115M
119.4M
103.2M
152.9M
167.6M
56.4M
25.6M
10.5M
9.7M
38.1M
9.9M
11.4M
28.5M
327.2M
66.5M
462.4M
512.6M
373.1M
286.4M
189.7M
214.9M
219M
210M
219.5M
221.9M
218.1M
152.8M
144.6M
0.0
0.0
0.0
0.0
0.0
406.4M
132M
537.6M
539.3M
640.8M
373.1M
355.2M
329.9M
338.4M
313.2M
372.4M
389.5M
274.5M
178.4M
156.2M
9.7M
38.1M
9.9M
11.4M
28.5M
11.7M
10.6M
10.4M
9M
6.8M
8.1M
6.8M
7.4M
7.6M
7.3M
6.8M
6.4M
6.4M
5.7M
5.2M
5.1M
5.4M
5.1M
5.1M
4.4M
11.7M
10.6M
10.4M
9M
6.8M
8.1M
6.8M
7.4M
7.6M
7.3M
6.8M
6.4M
6.4M
5.7M
5.2M
5.1M
5.4M
5.1M
5.1M
4.4M
418.1M
142.6M
548M
548.2M
647.6M
381.2M
361.9M
337.4M
346M
320.5M
379.2M
395.9M
280.9M
184.1M
160.4M
14.8M
43.5M
15M
16.5M
32.9M
NON-CURRENT ASSETS
39.2M
40.1M
41.9M
43.8M
44.8M
44.1M
35.3M
37.1M
37M
35.8M
36.5M
37.3M
38.2M
27.1M
28.5M
28.7M
29.5M
31.1M
32.9M
33.2M
25.2M
25.2M
25.2M
25.2M
25.2M
25.2M
14.4M
14.4M
14.4M
14.4M
14.4M
14.4M
14.4M
10.7M
10.7M
10.7M
10.7M
10.7M
10.7M
10.7M
909K
1.1M
1.4M
1.7M
2M
2.3M
912K
1.1M
1.6M
2.3M
1.6M
2.6M
3.8M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
26.1M
26.3M
26.6M
26.9M
27.2M
27.5M
15.3M
15.6M
16M
16.7M
16M
17M
18.2M
10.7M
10.7M
10.7M
10.7M
10.7M
10.7M
10.7M
2.1B
2.3B
1.7B
1.6B
1.5B
1.5B
1.2B
1.1B
1B
1B
909.9M
828.5M
821.4M
713M
687M
804.2M
760.3M
770.7M
701.2M
638.9M
14M
17.7M
18.7M
22M
13.6M
13.6M
11.2M
12.2M
12.1M
21.5M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
215.3M
84M
86.6M
81.9M
79.1M
92.5M
60.9M
49.2M
50.5M
42.8M
63.4M
59.5M
153.6M
42.1M
41.5M
45.7M
44.4M
28.2M
24.3M
18.7M
2.4B
2.4B
1.9B
1.8B
1.6B
1.7B
1.3B
1.2B
1.2B
1.1B
1B
942.3M
1B
792.9M
767.7M
889.4M
845M
840.7M
769.1M
701.5M
2.8B
2.6B
2.4B
2.3B
2.3B
2.1B
1.7B
1.5B
1.5B
1.5B
1.4B
1.3B
1.3B
977M
928.1M
904.1M
888.4M
855.7M
785.6M
734.5M
LIABILITIES
CURRENT LIABILITIES
3.7M
4.4M
3.5M
950K
715K
1.1M
1.3M
920K
838K
703K
698K
740K
843K
837K
1.1M
1.2M
1.6M
1.9M
2.1M
1.9M
3.7M
4.4M
3.5M
950K
715K
1.1M
1.3M
920K
838K
703K
698K
740K
843K
837K
1.1M
1.2M
1.6M
1.9M
2.1M
1.9M
20M
29M
58.2M
36.6M
34.7M
20.5M
16.4M
14.9M
20.6M
12.4M
12.1M
14.4M
11.8M
9.1M
7.5M
10.6M
11.1M
56M
22M
22.8M
2.3B
2.2B
2.1B
2B
1.9B
1.8B
1.3B
1.2B
1.2B
1.1B
1.1B
1B
1B
686.2M
646.4M
625.1M
606.6M
550.7M
527.6M
532.8M
2.4B
2.2B
2.1B
2B
2B
1.8B
1.3B
1.2B
1.2B
1.1B
1.1B
1B
1B
696.2M
655.1M
636.9M
619.3M
608.7M
551.7M
557.5M
NON-CURRENT LIABILITIES
93.3M
93.6M
51.3M
55.5M
55.7M
55.7M
144.8M
144.8M
147.2M
152.2M
165.2M
152.6M
158.1M
153.6M
153.6M
132.9M
139.1M
142.8M
154.1M
92.3M
43.3M
38.5M
41.8M
39.2M
47.7M
62.4M
38.4M
27.2M
27.2M
27.6M
22.4M
20.7M
20.4M
25.1M
23.4M
41.5M
41.1M
39.3M
14.6M
16.7M
136.7M
132.1M
93.1M
94.7M
103.4M
118.1M
183.3M
172M
174.5M
179.8M
187.6M
173.3M
178.4M
178.7M
177M
174.4M
180.3M
182.1M
168.7M
108.9M
0.0
0.0
0.0
0.0
0.0
0.0
1.4M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
2.5B
2.3B
2.2B
2.1B
2.1B
1.9B
1.5B
1.4B
1.4B
1.3B
1.3B
1.2B
1.2B
874.8M
832M
811.4M
799.6M
790.8M
720.4M
666.5M
SHAREHOLDERS' EQUITY
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
10K
20K
20K
0.0
0.0
0.0
3.1M
3.1M
3.2M
3.3M
3.4M
3.5M
3.3M
3.4M
3.4M
3.3M
3.3M
3.3M
3.3M
3.2M
3.1M
3M
3M
3M
3M
3.2M
1.1M
36K
6.6M
12M
15.2M
21.4M
9.5M
12.8M
12.8M
11.7M
10.4M
9.5M
10.7M
5.6M
13.4M
22.1M
21.2M
551K
0.0
324K
268.7M
247.8M
233.8M
217.2M
193.8M
170.8M
154.2M
140.5M
127.4M
125.2M
116.2M
107.8M
99.3M
88.7M
76.2M
67.5M
63.7M
62.4M
62M
64.4M
-11.2M
-24.6M
-26.7M
-37M
-2.1M
-2M
-2.2M
-4.7M
-1.9M
-984K
1.2M
3.1M
-266K
4.7M
3.4M
71K
968K
-1M
197K
121K
261.8M
226.4M
216.9M
195.6M
210.3M
193.8M
164.8M
152M
141.7M
139.2M
131.1M
123.6M
112.9M
102.2M
96.1M
92.8M
88.9M
64.9M
65.2M
68M
262.3M
227M
217.5M
196.2M
211M
194.5M
165.3M
152M
141.7M
139.2M
131.1M
123.6M
112.9M
102.2M
96.1M
92.8M
88.9M
64.9M
65.2M
68M
595K
610K
638K
599K
706K
666K
481K
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
SUMMARY
2.8B
2.6B
2.4B
2.3B
2.3B
2.1B
1.7B
1.5B
1.5B
1.5B
1.4B
1.3B
1.3B
977M
928.1M
904.1M
888.4M
855.7M
785.6M
734.5M
2.4B
2.3B
2.2B
2.1B
1.8B
1.8B
1.4B
1.3B
1.3B
1.2B
1.1B
1.1B
1B
865.8M
831.7M
804.2M
760.3M
770.7M
701.2M
638.9M
113.3M
122.6M
109.5M
92.1M
90.5M
76.2M
161.2M
159.7M
167.9M
164.6M
177.3M
167M
169.8M
162.7M
161.2M
143.5M
150.2M
198.8M
176M
115.1M
34.2M
57M
34.4M
65.4M
-177.3M
-10.5M
-4.3M
44.7M
48.4M
61.4M
24.3M
-589K
113.4M
137.1M
150.6M
133.8M
112.2M
189M
164.6M
86.6M
3,238,301
3,238,301
3,238,301
3,238,301
3,238,301
3,238,301
3,238,301
3,238,301
3,238,301
3,238,301
3,238,301
3,238,301
3,238,301
3,238,301
3,238,301
3,238,301
3,238,301
3,238,301
3,238,301
3,238,301

SEC Filings

CFFI - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 20, 2026
May 20, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 11, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

May 08, 2026
May 07, 2026
2026
8-K

8-K 2026

N/A

April 30, 2026
April 30, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 23, 2026
2026
8-K

8-K 2026

N/A

April 23, 2026
April 21, 2026
2026
DEF 14A

DEF 14A 2026

N/A

March 11, 2026
April 21, 2026
2026
10-K

10-K 2025 FY

FY

March 03, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 25, 2026
February 25, 2026
2026
8-K

8-K 2026

N/A

January 27, 2026
January 27, 2026
2026
Showing 1 to 10 of 448 filings