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About the company
C&F Financial Corporation is a bank holding company, which operates through, Citizens and Farmers Bank (the Bank). The Bank is an independent commercial bank, which provide a range of banking services to individuals and businesses through its main office in West Point, Virginia, and approximately 30 Virginia branches. These services include various types of checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity and installment loans. The Bank also offers automatic teller machines, Internet and mobile banking, peer-to-peer payment capabilities, and debit cards, as well as safe deposit box rentals, notary public, electronic transfer and other customary bank services to its customers. The Company has three segments. Community banking segment operates through C&F Bank and C&F Wealth Management Corporation. Mortgage banking segment operates through C&F Mortgage Corporation. Consumer finance segment operates through C&F Finance Company.
- Revenue in USD (TTM)92.88m
- Net income in USD27.24m
- Incorporated1993
- Employees650.00
- LocationC&F Financial CorpEighth & Main StreetsP O Box 391WEST POINT 23181United 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| ESSA Bancorp, Inc. | 58.18m | 16.90m | 172.50m | 234.00 | 9.60 | 0.8308 | 9.46 | 2.69 | 1.71 | 1.71 | 6.51 | 19.79 | -- | -- | -- | -- | 0.9045 | 0.6684 | -- | -- | -- | -- | 26.31 | 20.98 | -- | -- | -- | 34.85 | -8.40 | 0.1098 | 13.93 | 16.28 | -18.25 | 5.48 |
| Morris State Bancshares Inc | 58.05m | 23.99m | 172.84m | -- | 7.10 | 1.13 | -- | 2.95 | 11.54 | 11.54 | 28.26 | 72.49 | -- | -- | -- | -- | 1.73 | 1.78 | -- | -- | -- | -- | 40.91 | 37.60 | -- | -- | -- | 8.22 | 5.88 | 14.77 | 37.66 | 16.67 | -17.18 | -- |
| California BanCorp | 62.19m | 14.23m | 173.03m | 150.00 | 12.24 | 1.12 | 14.75 | 2.80 | 1.71 | 1.71 | 7.41 | 18.69 | -- | -- | -- | -- | 0.7476 | -- | -- | -- | -- | -- | 23.06 | -- | -- | -- | -- | -- | 15.61 | -- | 210.67 | -- | -- | -- |
| William Penn Bancorp | 24.93m | 3.83m | 176.47m | 37.00 | 43.57 | 0.8555 | 35.24 | 7.23 | 0.2674 | 0.2674 | 1.71 | 13.62 | -- | -- | -- | -- | 0.4536 | -- | -- | -- | -- | -- | 15.68 | -- | -- | -- | -- | -- | 30.42 | -- | 184.56 | -- | -- | -- |
| Virginia National Bankshares Corp | 53.95m | 13.49m | 176.83m | 166.00 | 13.15 | 1.21 | 14.18 | 2.74 | 2.52 | 2.52 | 12.11 | 27.41 | -- | -- | -- | -- | 0.9455 | 0.9865 | -- | -- | -- | -- | 20.87 | 24.09 | -- | -- | -- | 38.97 | 77.28 | 20.23 | 26.23 | 11.87 | 17.19 | 20.79 |
| First-Citizens Bank & Trust Co | 1.54bn | 684.70m | 178.00m | 4.09k | 3.24 | 0.3906 | 0.1686 | 0.0709 | 6.86 | 6.86 | 25.22 | 62.26 | -- | -- | -- | -- | 1.24 | 0.1595 | -- | -- | -- | -- | 28.46 | 3.65 | -- | -- | -- | 185.97 | -10.80 | 4.48 | -226.62 | -- | -19.90 | 18.47 |
| LCNB Corp. | 60.76m | 20.20m | 178.09m | 307.00 | 9.55 | 0.8609 | 7.63 | 2.43 | 1.64 | 1.64 | 5.94 | 18.14 | -- | -- | -- | -- | 1.09 | 1.11 | -- | -- | -- | -- | 27.64 | 27.14 | -- | -- | -- | 48.90 | -4.08 | 6.94 | 4.34 | 10.88 | -27.14 | 3.77 |
| C&F Financial Corp | 92.88m | 27.24m | 180.33m | 650.00 | 6.70 | -- | 7.07 | 1.42 | 7.61 | 7.61 | 35.47 | -- | -- | -- | -- | -- | -- | 1.18 | -- | -- | -- | -- | 21.86 | 16.91 | -- | -- | -- | 25.69 | -3.29 | 0.9412 | 29.62 | 16.33 | 11.90 | 4.30 |
| Northeast Community Bancorp, Inc. | 49.86m | 12.31m | 180.48m | 128.00 | 13.96 | 0.7095 | 19.03 | 3.85 | 0.7896 | 0.7896 | 3.04 | 15.53 | -- | -- | -- | -- | 1.10 | -- | -- | -- | -- | -- | 26.27 | -- | -- | -- | -- | -- | -1.17 | -- | -3.44 | -- | -- | -- |
| First Northwest BanCorp | 65.94m | 14.60m | 180.77m | 288.00 | 11.36 | 1.01 | 13.95 | 2.39 | 1.59 | 1.59 | 8.23 | 17.85 | -- | -- | -- | -- | 0.7805 | -- | -- | -- | -- | -- | 18.99 | -- | -- | -- | -- | -- | 23.20 | -- | 48.42 | -- | -- | -- |
| Isabella Bank Corp | 59.59m | 18.84m | 181.06m | 330.00 | 10.00 | 0.9244 | 8.40 | 2.71 | 2.40 | 2.40 | 8.51 | 25.96 | -- | -- | -- | -- | 0.9241 | 0.7626 | -- | -- | -- | -- | 28.19 | 23.30 | -- | -- | -- | 58.23 | -6.33 | 2.29 | 79.14 | 7.16 | -15.98 | 1.96 |
| Mountain Commerce Bancorp Inc | 48.66m | 23.33m | 182.29m | -- | 7.73 | 1.55 | -- | 3.82 | 3.75 | 3.75 | 7.66 | 18.66 | -- | -- | -- | -- | 1.85 | 1.35 | -- | -- | -- | -- | 49.36 | 36.74 | -- | -- | -- | -- | 7.28 | 15.45 | 130.32 | 40.80 | -- | -- |
| OP Bancorp | -100.00bn | -100.00bn | 182.71m | 193.00 | -- | 1.10 | -- | -- | -- | -- | -- | 10.97 | -- | -- | -- | -- | -- | 1.46 | -- | -- | -- | -- | -- | 29.43 | -- | -- | -- | -- | 19.57 | 15.14 | 120.46 | 32.34 | 34.14 | -- |
| Richmond Mutual Bancorporation Inc | 47.22m | 11.60m | 184.81m | 173.00 | 14.80 | -- | 19.06 | 4.17 | 1.01 | 1.01 | 3.85 | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | -- | 26.19 | -- | -- | -- | -- | -- | 8.47 | -- | 11.25 | -- | -- | -- |
| Western New England Bancorp Inc | 79.76m | 23.23m | 185.66m | 298.00 | 8.01 | 0.8513 | 7.16 | 2.17 | 1.02 | 1.02 | 3.78 | 9.63 | -- | -- | -- | -- | 0.9256 | 0.7325 | -- | -- | -- | -- | 27.08 | 22.24 | -- | -- | -- | 28.66 | -3.65 | 10.44 | 111.32 | 37.43 | 18.38 | 10.76 |
| MainStreet Bancshares Inc | 65.21m | 19.99m | 186.94m | 138.00 | 9.28 | 1.16 | 11.30 | 3.06 | 2.63 | 2.63 | 8.05 | 24.68 | -- | -- | -- | -- | 1.26 | -- | -- | -- | -- | -- | 36.25 | 30.12 | -- | -- | -- | -- | 3.43 | 24.37 | 32.71 | 38.87 | -- | -- |
Data as of May 17 2022. Currency figures normalised to C&F Financial Corp's reporting currency: US Dollar USD
20.86%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Dimensional Fund Advisors LPas of 31 Mar 2022 | 185.67k | 5.23% |
| The Vanguard Group, Inc.as of 31 Mar 2022 | 148.58k | 4.18% |
| Renaissance Technologies LLCas of 31 Mar 2022 | 104.00k | 2.93% |
| Manulife Investment Management (US) LLCas of 31 Dec 2021 | 66.39k | 1.87% |
| Securities America Advisors, Inc.as of 31 Mar 2022 | 55.87k | 1.57% |
| LSV Asset Managementas of 31 Mar 2022 | 38.27k | 1.08% |
| BHZ Capital Management LPas of 31 Mar 2022 | 37.42k | 1.05% |
| Fidelity Management & Research Co. LLCas of 31 Mar 2022 | 37.31k | 1.05% |
| Millennium Management LLCas of 31 Dec 2021 | 36.70k | 1.03% |
| Bridgeway Capital Management LLCas of 31 Dec 2021 | 30.69k | 0.86% |
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Data from 31 Dec 2021 - 31 Mar 2022Source: FactSet Research Systems Inc.
