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+51.0%
5Y+26.0%
10Y+61.0%
3Y-8.0%
5Y+21.0%
10Y+99.0%
3Y-73.0%
5Y-130.0%
10Y-9.0%
C&F Financial Corporation

C&F Financial Corporation Profit Bridge

CFFI ยท NASDAQ
Revenue186.13M
Cost of Goods Sold (56.84M)
Gross Profit129.29M
Operating Expenses (96.22M)
Operating Income33.07M
Interest Expense (45.29M)
Other Income/Expense0.00
Pretax Income33.07M
Income Tax (6.08M)
Net Income26.84M
Net Income
26.84M

Profitability Analysis

Gross Margin

69.5%

Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.

Operating Margin

17.8%

Healthy operating margins demonstrate effective cost control and strong business fundamentals.

Net Profit Margin

14.4%

Strong net margins indicate efficient operations and favorable tax/interest management.

Effective Tax Rate

18.4%

Moderate tax rate typical for most corporations. Represents standard tax burden on profits.

Profitability Insight

High margin compression: Large gap between gross and net margins suggests operational inefficiencies or heavy debt burden. Focus on expense management and deleveraging.

C&F Financial Corporation Income Statement

CFFI โ€ข NASDAQ

C&F Financial Corporation Income StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 2006
REVENUE
186.1M
166.5M
149.8M
123.5M
140M
148.2M
124.8M
117.5M
116.8M
115.5M
107.8M
105.9M
101.9M
97.6M
91M
99.5M
101.7M
90.9M
90.7M
86M
GROSS PROFIT
(56.8M)
(56.1M)
(34.7M)
(11.1M)
(8.9M)
(24.5M)
(23.1M)
(22M)
(26M)
(27M)
(24.2M)
(24.9M)
(23.7M)
(22.5M)
(26M)
(28.2M)
(34M)
(35.2M)
(30.5M)
(23.1M)
129.3M
110.4M
115.1M
112.4M
131M
123.8M
101.7M
95.4M
90.8M
88.5M
83.6M
81M
78.2M
75.1M
64.9M
71.4M
67.6M
55.7M
60.2M
62.9M
OPERATING INCOME
(96.2M)
(86.3M)
(85.9M)
(75.4M)
(93M)
(94.5M)
(77.8M)
(72.9M)
(72.8M)
(70.6M)
(66.2M)
(63.6M)
(56.6M)
(51M)
(46.2M)
(60.3M)
(60.2M)
(50.9M)
(48.4M)
(45.3M)
(56.8M)
(56.6M)
(58.1M)
(50.7M)
(61.2M)
(59.3M)
(49M)
(43.6M)
(45.1M)
(50.3M)
(44M)
(41.3M)
(34.8M)
(30.9M)
(26.6M)
(36.8M)
(35.1M)
(27.7M)
(30.8M)
(29M)
33.1M
24.1M
29.2M
37M
38.1M
29.2M
23.9M
22.5M
18M
17.9M
17.4M
17.5M
21.6M
24M
18.7M
11.1M
7.5M
4.8M
11.8M
17.6M
PRE-TAX INCOME
(45.3M)
(42.8M)
(26.4M)
(7.9M)
(8.4M)
(13.4M)
(14.6M)
(11M)
(9.6M)
(9M)
(8.7M)
(8.5M)
(8.6M)
(10.1M)
(11.9M)
(13.2M)
(15.5M)
(21.4M)
(23.4M)
(18.5M)
106.2M
96.8M
97.7M
93.5M
85.4M
83.5M
80.5M
81.5M
80M
80.5M
78.4M
78M
71.6M
66.9M
61.9M
56.6M
49.5M
42.7M
41.4M
40.1M
(39.4M)
(29.7M)
(27.8M)
(24.7M)
(31.8M)
(35.2M)
(28.8M)
(29.3M)
(27.7M)
(20.3M)
(22.1M)
(22.3M)
(21.8M)
(20.1M)
(19.6M)
(23.5M)
(25M)
(23.2M)
(17.6M)
(16.3M)
33.1M
24.1M
29.2M
37M
38.1M
29.2M
23.9M
22.5M
18M
17.9M
17.4M
17.5M
21.6M
24M
18.7M
11.1M
7.5M
4.8M
11.8M
17.6M
NET INCOME
(6.1M)
(4.2M)
(5.4M)
(7.6M)
(9M)
(6.8M)
(5.1M)
(4.5M)
(11.4M)
(4.5M)
(4.9M)
(5.1M)
(7.1M)
(7.6M)
(5.7M)
(2.9M)
(1.9M)
(617K)
(3.3M)
(5.4M)
26.8M
19.8M
23.6M
29.2M
28.7M
22.1M
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

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