C&F Financial Corporation

C&F Financial Corporation

CFFI·NASDAQ

$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
6.44%
Return on Invested Capital
26%
3Y-28.0%
5Y-4.0%
10Y+59.0%
10.25%
Return on Equity
17%
3Y-31.0%
5Y-10.0%
10Y+6.0%
0.97%
Return on Assets
25%
3Y-22.0%
5Y-9.0%
10Y+5.0%
C&F Financial Corporation

C&F Financial Corporation Management Team

CFFI · NASDAQ
ML

Mr. Larry G. Dillon

Executive Chairman of the Board

Born 1953(Age 73)
male
MJ

Mr. John Anthony Seaman III

Executive Vice President & Chief Credit Officer of C&F Bank

Compensation

$400,291

Born 1958(Age 68)
male
MR

Mr. Rodney W. Overby

Executive Vice President & Chief Information Officer

male
MJ

Mr. Jason E. Long CPA

Executive Vice President, Chief Financial Officer & Secretary

Compensation

$500,886

Born 1979(Age 47)
male
MM

Mr. Mark A. Fox

President & Chief Executive Officer C&F Mortgage

male
MS

Mr. Steven Dustin Crone

President and Chief Executive Officer of C&F Finance Company

Compensation

$496,911

Born 1969(Age 57)
male
MT

Mr. Thomas F. Cherry

President, Chief Executive Officer & Non Independent Director

Compensation

$966,008

Born 1969(Age 57)
male
cffi

C&F Financial Corporation Insider Positioning

CFFI · NASDAQ

During the last 12 months, insiders have sold $199K worth of CFFI shares, with no buying activity reported.

3 Months

Bought

0

0.00

Sold

1.5K

112.33K

Net Activity

-112K

-$112K

3-6 Months

Bought

0

0.00

Sold

11

860.00

Net Activity

-860

-$860

6-9 Months

Bought

0

0.00

Sold

0

0.00

Net Activity

+0

+$0

9-12 Months

Bought

0

0.00

Sold

1.2K

85.56K

Net Activity

-86K

-$86K

Top Buyers

No buying activity

Top Sellers

1
CTF

Cherry Thomas F

Director, Officer: President & Ceo

1.7K shares3 transactions

$124K

2
KER

Kelley Elizabeth R

Director

1.0K shares1 transactions

$75K

Insider Activity Analysis

Net Insider Sentiment

Bearish

Strong bearish signal with $199K net selling. Heavy insider selling may indicate concerns about valuation or near-term prospects.

Buy/Sell Ratio

0.00:1

Very poor ratio. Heavy selling with minimal buying suggests insiders may be concerned about valuation or outlook.

Recent Trend (3 Months)

$112K

Heavy recent selling activity. Recent insider sales notably exceed purchases—may warrant investigation into company developments.

Insider Participation

High Selling

2 insider sellers vs. 0 buyers. Widespread selling across multiple insiders may signal concerns.

Insider Activity Insight

Persistent selling pressure: Consistent insider selling with weak buy/sell ratio suggests insiders may be capitalizing on current valuation. Exercise caution and review recent earnings quality and management commentary.

SEC Filings

CFFI - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
DEF 14A

DEF 14A 2026

N/A

March 11, 2026
April 21, 2026
2026
DEF 14A

DEF 14A 2025

N/A

March 07, 2025
April 15, 2025
2025
DEF 14A

DEF 14A 2024

N/A

March 08, 2024
April 16, 2024
2024
DEF 14A

DEF 14A

N/A

March 10, 2023
March 10, 2023
 
DEF 14A

DEF 14A 2022

N/A

March 11, 2022
March 11, 2022
2022
DEF 14A

DEF 14A 2021

N/A

March 12, 2021
March 12, 2021
2021
DEF 14A

DEF 14A 2020

N/A

March 13, 2020
March 13, 2020
2020
DEF 14A

DEF 14A 2019

N/A

March 08, 2019
March 08, 2019
2019
DEF 14A

DEF 14A 2018

N/A

March 15, 2018
March 15, 2018
2018
DEF 14A

DEF 14A 2017

N/A

March 15, 2017
April 18, 2017
2017
Showing 1 to 10 of 30 filings