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About the company
C&F Financial Corporation is a bank holding company. The Company owns all the stock of Citizens and Farmers Bank (C&F Bank), which is an independent commercial bank. Its segments include community banking, mortgage banking and consumer finance. The community banking segment provides services through C&F Bank. C&F Bank provides community banking services to individuals and businesses, including various types of checking and savings deposit accounts, and business, real estate, development, mortgage, home equity and installment loans. C&F Bank operates 31 banking offices and four commercial loan offices. It conducts mortgage banking activities through C&F Mortgage Corporation, which offers a range of residential mortgage loans, which are originated for sale to investors in the secondary mortgage market. It conducts consumer finance activities through C&F Finance Company (C&F Finance). C&F Finance is a regional finance company purchasing automobile, marine and recreational vehicle loans.
- Revenue in USD (TTM)151.50m
- Net income in USD26.84m
- Incorporated1993
- Employees545.00
- LocationC&F Financial CorpPO Box 391WEST POINT 23181-0391United StatesUSA
- Phone+1 (804) 843-2360
- Websitehttps://www.cffc.com/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Muncy Columbia Financial Corp | 88.02m | 24.23m | 219.24m | 236.00 | 9.04 | 1.14 | 11.25 | 3.09 | 6.85 | 6.85 | 20.08 | 54.44 | -- | -- | -- | -- | 1.48 | 1.02 | -- | -- | -- | -- | 34.14 | 29.72 | -- | -- | -- | 38.97 | 7.68 | 28.67 | 27.35 | 21.02 | -- | 2.51 |
| First Community Corp (South Carolina) | 97.05m | 19.21m | 222.64m | 272.00 | 11.73 | -- | 14.11 | 2.82 | 2.47 | 2.47 | 10.14 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 24.32 | 23.24 | -- | -- | -- | -- | 8.53 | 17.26 | 37.62 | 13.72 | -- | 5.59 |
| First Northern Community Bancorp | 80.91m | 21.00m | 229.52m | 187.00 | 11.05 | 1.13 | 10.08 | 3.17 | 1.27 | 1.27 | 4.37 | 12.41 | -- | -- | -- | -- | 1.09 | 0.9429 | -- | -- | -- | -- | 29.00 | 26.55 | -- | -- | -- | 0.00 | 6.11 | 9.93 | -7.05 | 6.36 | -20.14 | -- |
| Finwise Bancorp | -100.00bn | -100.00bn | 229.56m | 200.00 | -- | 1.19 | -- | -- | -- | -- | -- | 14.15 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
| Princeton Bancorp Inc | 130.55m | 18.61m | 230.31m | 241.00 | 12.52 | 0.8508 | 15.85 | 2.73 | 2.72 | 2.72 | 12.29 | 40.01 | -- | -- | -- | -- | 0.8051 | 1.09 | -- | -- | -- | -- | 22.08 | 27.17 | -- | -- | -- | 35.73 | 6.19 | 16.18 | 81.71 | 6.15 | -- | 26.58 |
| Meridian Corp | 166.31m | 21.84m | 231.91m | 322.00 | 10.39 | 1.17 | 84.02 | 1.83 | 1.89 | 1.89 | 11.00 | 16.75 | -- | -- | -- | -- | 0.8829 | 1.03 | -- | -- | -- | -- | 17.21 | 18.05 | -- | -- | -- | 24.02 | 6.59 | 21.56 | 33.59 | -3.75 | -- | 22.39 |
| First United Corp | 100.85m | 24.52m | 232.81m | 291.00 | 9.50 | 1.14 | 11.13 | 2.63 | 3.77 | 3.77 | 13.64 | 31.33 | -- | -- | -- | -- | 1.21 | 1.12 | -- | -- | -- | -- | 27.64 | 27.00 | -- | -- | -- | 23.16 | 9.63 | 11.62 | 19.18 | 12.11 | -- | 12.09 |
| Franklin Financial Services Corp | 114.37m | 21.23m | 234.45m | 306.00 | 11.17 | -- | 13.96 | 2.64 | 4.74 | 4.74 | 19.85 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 23.90 | 22.39 | -- | -- | -- | -- | 12.74 | 20.01 | 91.24 | 10.64 | -- | 1.77 |
| Chain Bridge Bancorp Inc | 55.84m | 20.24m | 235.24m | 84.00 | 11.62 | 1.39 | 15.43 | 4.28 | 3.08 | 3.08 | 8.38 | 25.79 | -- | -- | -- | -- | 1.28 | -- | -- | -- | -- | -- | 36.81 | -- | -- | -- | -- | -- | 16.16 | -- | -3.40 | -- | -- | -- |
| FB Bancorp Inc | 70.56m | -2.70m | 236.21m | 321.00 | -- | 0.776 | 806.16 | 3.38 | -0.1249 | -0.1249 | 3.74 | 17.05 | -- | -- | -- | -- | -0.2019 | -- | -- | -- | -- | -- | -3.86 | -- | -- | -- | -- | -- | 21.35 | -- | -655.81 | -- | -- | -- |
| Ames National Corp | 85.71m | 16.03m | 241.01m | 249.00 | 15.15 | 1.21 | 13.64 | 3.83 | 1.80 | 1.80 | 7.05 | 22.56 | -- | -- | -- | -- | 0.7575 | 0.8037 | -- | -- | -- | -- | 25.48 | 27.37 | -- | -- | -- | 55.97 | 11.18 | 8.02 | -5.54 | -9.89 | -17.51 | -0.2114 |
| C&F Financial Corp | 151.50m | 26.84m | 242.51m | 545.00 | 9.01 | -- | 10.44 | 1.72 | 8.29 | 8.29 | 43.50 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 19.16 | 19.81 | -- | -- | -- | -- | 8.53 | 9.35 | 35.30 | 3.94 | -- | 3.90 |
| First Western Financial Inc | 159.79m | 13.19m | 243.38m | 321.00 | 18.63 | 0.9156 | 20.48 | 2.39 | 1.34 | 1.34 | 10.37 | 27.30 | -- | -- | -- | -- | 0.4342 | 0.4995 | -- | -- | -- | -- | 12.94 | 13.97 | -- | -- | -- | -- | 4.67 | 24.54 | 55.65 | -11.68 | -- | -- |
| Exchange Bank | 128.80m | 29.97m | 247.21m | 60.00 | 8.25 | 0.713 | -- | 2.10 | 17.48 | 17.48 | 68.54 | 202.25 | -- | -- | -- | -- | 0.9075 | 0.8824 | -- | -- | -- | -- | 25.51 | 25.63 | -- | -- | -- | 29.32 | 3.27 | 5.26 | 25.64 | -2.32 | -- | 7.63 |
| Western New England Bancorp Inc | 118.62m | 15.27m | 263.83m | 286.00 | 17.21 | 1.07 | 22.08 | 3.29 | 0.7525 | 0.7525 | 3.94 | 12.16 | -- | -- | -- | -- | 0.5666 | 0.7122 | -- | -- | -- | -- | 19.06 | 22.47 | -- | -- | -- | 30.00 | 8.00 | 7.44 | 30.88 | 6.37 | -- | 6.96 |
| Chemung Financial Corp | -100.00bn | -100.00bn | 270.22m | 343.00 | -- | 1.06 | -- | -- | -- | -- | -- | 52.97 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- |
Data as of Mar 03 2026. Currency figures normalised to C&F Financial Corp's reporting currency: US Dollar USD
28.43%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Dimensional Fund Advisors LPas of 31 Dec 2025 | 175.65k | 5.42% |
| BlackRock Fund Advisorsas of 31 Dec 2025 | 149.51k | 4.62% |
| The Vanguard Group, Inc.as of 31 Dec 2025 | 149.08k | 4.60% |
| Manulife Investment Management (US) LLCas of 31 Dec 2025 | 103.58k | 3.20% |
| Renaissance Technologies LLCas of 31 Dec 2025 | 84.48k | 2.61% |
| Geode Capital Management LLCas of 31 Dec 2025 | 72.92k | 2.25% |
| Huber Capital Management LLCas of 31 Dec 2025 | 60.42k | 1.87% |
| SSgA Funds Management, Inc.as of 31 Dec 2025 | 43.29k | 1.34% |
| American Century Investment Management, Inc.as of 31 Dec 2025 | 42.83k | 1.32% |
| Bridgeway Capital Management LLCas of 31 Dec 2025 | 38.79k | 1.20% |
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Data from 31 Dec 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
