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-73.0%
5Y-130.0%
10Y-9.0%
3Y-59.0%
5Y-8.0%
10Y+59.0%
3Y+99.0%
5Y-14.0%
10Y+435.0%
CFFI

C&F Financial Corporation Cash Conversion Engine

CFFI ยท NASDAQ
Net Income26.99M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital1.06M
Others-3.56M
Capital Expenditures-2.33M
Free Cash Flow22.16M

Cash Flow Quality Analysis

FCF Conversion Rate

82.1%

Strong cash conversion. Most reported earnings translate into actual cash flow, suggesting solid fundamentals.

CapEx Intensity

9.5%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

-36.7%

Significant FCF decline raises concerns. Urgent review needed of operational performance and capital allocation.

Working Capital Impact

+$1.06M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.

C&F Financial Corporation Cash Flow Statement

CFFI โ€ข NASDAQ

C&F Financial Corporation Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 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

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