$70.38
-3.7%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.
Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
CFFI โข NASDAQ
| C&F Financial Corporation Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
27M | 19.9M | 23.7M | 29.4M | 29.1M | 22.4M | 18.9M | 18M | 6.6M | 13.5M | 12.5M | 12.3M | 14.4M | 16.4M | 13M | 8.1M | 5.5M | 4.2M | 8.5M | 12.1M | |
0.0 | 3.9M | 3.9M | 4.4M | 4.7M | 4.2M | 3.9M | 3.7M | 3.4M | 3.4M | 2.5M | 2.7M | 2.3M | 2.3M | 2.1M | 1.9M | 2.1M | 2.4M | 2.6M | 2M | |
0.0 | 474K | 902K | 708K | -90K | -817K | 354K | 632K | 9.4M | -23K | 1.4M | 2.2M | 2.3M | -848K | -1.3M | -2.3M | -3.5M | -2.7M | -1.1M | -970K | |
0.0 | 1.9M | 2M | 2M | 1.7M | 1.4M | 1.5M | 1.3M | 1.5M | 1.2M | 1.2M | 1.1M | 743K | 566K | 395K | 367K | 318K | 292K | 0.0 | 0.0 | |
-3.6M | 5.3M | 9.5M | 63.6M | 125.8M | -114.9M | -40.5M | 20.1M | 12M | 7.1M | -963K | 21.7M | 52.4M | 12.8M | 13.7M | -17M | 32.2M | 12.5M | 7.5M | 4.7M | |
(5.6M) | (523K) | (6.1M) | (8M) | (10.5M) | (6.4M) | (2.3M) | (821K) | (5.1M) | (2.3M) | (560K) | (3.6M) | (6M) | (8.9M) | (7M) | (4.1M) | (4.2M) | (3.1M) | (0.0) | (0.0) | |
1.1M | 7M | -1.2M | -9.4M | -3.9M | 7.3M | 1.4M | 3.9M | -7.1M | 1.8M | -1.4M | -5.9M | -8.6M | -1.9M | 285K | -4.5M | -4.8M | 4.3M | 16.3M | -12.7M | |
24.5M | 38.5M | 38.8M | 90.6M | 157.4M | -80.4M | -14.6M | 47.1M | 25.8M | 27M | 15.3M | 34.2M | 63.6M | 29.3M | 28M | -13.4M | 31.8M | 21M | 33.7M | 5.1M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
(0.0) | -3.5M | -1.5M | -3.4M | -4.8M | -10.2M | -2.7M | -3.4M | -4.2M | -2.7M | -1.8M | -1.8M | -3.7M | -891K | -1.8M | -1.1M | -426K | -658K | -2.2M | -6M | |
(0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (19.1M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (55.6M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | |
(0.0) | -56.4M | -39.3M | -242.2M | -209.2M | -201.9M | -48.2M | -51.3M | -53.5M | -52.6M | -37.1M | -35.4M | -31.7M | -40.9M | -39.9M | -42M | -39.3M | -40.3M | -22.5M | -10.2M | |
0.0 | 100.6M | 100.8M | 55.3M | 114M | 123.7M | 75.6M | 51.1M | 41.5M | 57.4M | 36.5M | 38.7M | 79.4M | 34.1M | 31.1M | 28.7M | 23.1M | 18.5M | 6.2M | 7.7M | |
-169.4M | -189.4M | -116.4M | -221M | -38.7M | -114M | -60.6M | -43.9M | -43.8M | -108.4M | -81.2M | -25.9M | -8.8M | -37.1M | -20.5M | -8.7M | -10.5M | -64.1M | -75.5M | -57.4M | |
-169.4M | -148.6M | -56.3M | -411.3M | -138.7M | -183.3M | -35.9M | -47.5M | -59.9M | -106.3M | -83.7M | -24.4M | (90.8M) | -44.8M | -31.2M | -23.1M | -27.1M | -86.5M | -94M | -66M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-943K | -8.8M | -7.8M | -5.4M | -8.2M | -1.1M | -4.9M | -1.5M | 0.0 | 149K | -1.6M | -28K | 125K | 200K | 41K | 0.0 | 0.0 | -40K | -7.9M | 62K | |
-9M | 10.8M | 17.6M | 1.9M | 14.3M | -97.7M | 1.4M | -8.2M | 3.3M | -12.7M | 10.2M | -2.8M | -39.5M | 1.6M | -3M | -6.7M | -48.6M | 43.4M | 61M | 12.7M | |
-6M | -5.8M | -6M | -5.8M | -5.7M | -5.5M | -5.1M | -4.9M | -4.6M | -4.5M | -4.1M | -4.1M | -3.8M | -3.7M | -4M | -4.1M | -4.1M | -3.8M | -3.8M | -3.7M | |
-943K | -8.8M | -7.8M | -5.4M | -8.2M | -1.1M | -4.9M | -1.5M | -560K | (0.0) | -1.7M | -161K | (0.0) | (0.0) | (0.0) | (0.0) | -19.9M | -40K | -8.4M | (0.0) | |
174.3M | 104.3M | 62.1M | 88.9M | 162M | 289.2M | 109.6M | 10.2M | 51.7M | 46.7M | 49.2M | 16.6M | 11.3M | 41.1M | 22M | 18.9M | 56.2M | 23.5M | -5.3M | 37.4M | |
158.4M | 100.6M | 66M | 79.6M | 162.4M | 184.9M | 101M | -4.4M | 50.4M | 29.6M | 53.7M | 9.7M | -31.9M | 29.2M | 5M | 8.1M | 23.4M | 63M | 44.1M | 46.5M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
13.5M | -9.6M | 48.5M | -241.1M | 181.1M | -78.8M | 50.4M | -4.4M | 16.2M | -49.7M | -14.7M | 19.5M | 122.5M | 14.1M | 1.8M | -28.4M | 28.2M | -2.4M | -16.2M | -14.4M | |
65.6M | 75.2M | 26.7M | 267.7M | 86.7M | 165.4M | 115M | 119.4M | 103.2M | 152.9M | 167.6M | 148.1M | 25.6M | 11.5M | 9.7M | 38.1M | 9.9M | 12.3M | 28.5M | 42.9M | |
79.1M | 65.6M | 75.2M | 26.7M | 267.7M | 86.7M | 165.4M | 115M | 119.4M | 103.2M | 152.9M | 167.6M | 148.1M | 25.6M | 11.5M | 9.7M | 38.1M | 9.9M | 12.3M | 28.5M | |
22.2M | 35M | 37.4M | 87.2M | 152.6M | -90.6M | -17.3M | 43.7M | 21.6M | 24.3M | 13.5M | 32.4M | 59.9M | 28.4M | 26.2M | -14.5M | 31.4M | 20.4M | 31.5M | -954K |
CFFI - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
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 |
Continue your CFFI research with focused valuation guides.
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.