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About the company
C&F Financial Corporation is a bank holding company. The Company owns Citizens and Farmers Bank (C&F Bank), which is an independent commercial bank. The Company's segments include community banking, mortgage banking and consumer finance. Community banking segment provides services through C&F Bank. C&F Bank provides a range of banking services to individuals and businesses. These services include various types of checking and savings deposit accounts, as well as business, real estate, development, home equity and installment loans. C&F Bank operates approximately 31 banking offices and four commercial loan offices. Mortgage banking segment, through C&F Mortgage Corporation, offers a range of residential mortgage loans, which are originated for sale to investors in the secondary mortgage market. Consumer finance segment provides services 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)127.54m
- Net income in USD20.56m
- Incorporated1993
- Employees594.00
- LocationC&F Financial Corp3600 La Grange PkwyTOANO 23168United 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| First Community Corp (South Carolina) | 78.06m | 10.98m | 123.59m | 268.00 | 11.30 | -- | 12.57 | 2.07 | 1.43 | 1.43 | 7.79 | -- | -- | -- | -- | -- | -- | 0.8649 | -- | -- | -- | -- | 18.40 | 22.47 | -- | -- | -- | 29.56 | 42.22 | 12.84 | -18.96 | 1.07 | -6.07 | 6.96 |
| MainStreet Bancshares Inc | 127.85m | 19.58m | 124.57m | 186.00 | 6.30 | 0.636 | 6.72 | 1.69 | 2.60 | 2.60 | 9.77 | 29.30 | -- | -- | -- | -- | 1.05 | 1.30 | -- | -- | -- | -- | 29.48 | 33.71 | -- | -- | -- | -- | 48.04 | 23.14 | -0.363 | 21.54 | 34.30 | -- |
| Union Bankshares Inc | 57.11m | 11.26m | 124.71m | 197.00 | 11.12 | 1.89 | 9.67 | 2.61 | 2.48 | 2.48 | 10.53 | 14.56 | -- | -- | -- | -- | 0.8025 | 1.07 | -- | -- | -- | -- | 23.58 | 25.89 | -- | -- | -- | 49.54 | 29.95 | 12.16 | -10.76 | 9.64 | -8.71 | 3.71 |
| Hanover Bancorp Inc (MINEOLA) | 121.00m | 14.11m | 124.93m | 176.00 | 8.65 | 0.6591 | 10.48 | 1.97 | 1.95 | 1.95 | 8.79 | 25.64 | -- | -- | -- | -- | 0.6595 | -- | -- | -- | -- | -- | 22.77 | -- | -- | -- | -- | -- | 53.51 | -- | -35.54 | -- | -- | -- |
| Bank Of Idaho Holding Co | 60.60m | 8.51m | 125.09m | -- | 14.71 | 1.08 | -- | 2.06 | 1.92 | 1.92 | 13.68 | 26.15 | 0.0572 | -- | -- | -- | 0.8039 | 0.7726 | 6.25 | 5.78 | -- | -- | 14.05 | 14.44 | -- | 2.78 | 0.8973 | -- | 50.78 | 28.15 | 40.83 | 18.31 | -- | -- |
| First Farmers and Merchants Corp | 63.13m | 15.46m | 125.22m | 226.00 | 8.16 | 1.00 | 7.31 | 2.21 | 3.68 | 3.68 | 13.50 | 29.92 | -- | -- | -- | -- | 0.8148 | 0.916 | -- | -- | -- | -- | 27.29 | 26.84 | -- | -- | -- | 23.38 | 18.60 | 5.77 | -11.09 | 2.48 | -- | 3.24 |
| First Guaranty Bancshares Inc | 183.01m | 6.89m | 125.67m | 486.00 | 16.02 | 0.5789 | 11.51 | 1.32 | 0.6275 | 0.6275 | 8.54 | 20.01 | -- | -- | -- | -- | 0.275 | 0.7513 | -- | -- | -- | -- | 9.68 | 21.04 | -- | -- | -- | 34.77 | 34.00 | 18.48 | -74.05 | -13.48 | 31.44 | 3.89 |
| BankFinancial Corp | 66.16m | 9.39m | 126.10m | 183.00 | 13.61 | 0.8126 | 11.53 | 2.23 | 0.7438 | 0.7438 | 4.48 | 12.45 | -- | -- | -- | -- | 0.6134 | 0.6095 | -- | -- | -- | -- | 16.60 | 17.68 | -- | -- | -- | 58.49 | 19.64 | 1.54 | -10.49 | -13.45 | 3.10 | 1.57 |
| C&F Financial Corp | 127.54m | 20.56m | 126.71m | 594.00 | 6.20 | -- | 6.29 | 1.01 | 6.06 | 6.06 | 37.06 | -- | -- | -- | -- | -- | -- | 1.20 | -- | -- | -- | -- | 16.47 | 19.44 | -- | -- | -- | 22.95 | 22.48 | 6.05 | -19.05 | 5.55 | -15.44 | 4.53 |
| Hawthorn Bancshares, Inc. | 91.97m | 956.00k | 128.55m | 270.00 | 134.85 | 0.9471 | 41.98 | 2.33 | 0.1358 | 0.1358 | 7.83 | 19.33 | -- | -- | -- | -- | 0.0503 | 0.8618 | -- | -- | -- | -- | 1.73 | 22.51 | -- | -- | -- | 25.21 | 32.79 | 9.74 | -95.39 | -37.75 | -2.05 | 19.15 |
| Richmond Mutual Bancorporation Inc | 67.41m | 9.49m | 128.83m | 176.00 | 12.81 | 0.9633 | 12.07 | 3.05 | 0.9045 | 0.9045 | 4.04 | 12.03 | -- | -- | -- | -- | 0.6803 | 0.5073 | -- | -- | -- | -- | 22.44 | 14.27 | -- | -- | -- | 72.62 | 29.99 | 13.88 | -26.83 | 10.81 | -14.16 | -- |
| United Security Bancshares | 60.70m | 17.83m | 129.17m | 114.00 | 7.17 | 1.04 | 8.76 | 2.43 | 1.04 | 1.04 | 3.11 | 7.17 | -- | -- | -- | -- | 1.45 | 1.21 | -- | -- | -- | -- | 33.48 | 31.44 | -- | -- | -- | 54.48 | 22.58 | 10.52 | 26.20 | 7.15 | -5.13 | 3.80 |
| Franklin Financial Services Corp | 83.99m | 13.67m | 131.10m | 306.00 | 9.56 | -- | 11.07 | 1.87 | 3.12 | 3.12 | 16.02 | -- | -- | -- | -- | -- | -- | 0.988 | -- | -- | -- | -- | 19.48 | 24.54 | -- | -- | -- | 35.19 | 35.98 | 11.34 | -8.97 | 17.29 | -15.55 | 4.04 |
| Virginia National Bankshares Corp | 69.99m | 19.26m | 132.71m | 147.00 | 6.87 | 0.8632 | 5.52 | 2.29 | 3.58 | 3.58 | 10.80 | 28.52 | -- | -- | -- | -- | 1.18 | 1.07 | -- | -- | -- | -- | 33.17 | 28.26 | -- | -- | -- | 37.82 | 23.37 | 22.20 | -17.81 | 17.86 | 6.72 | 4.92 |
| Finwise Bancorp | 64.53m | 17.17m | 132.93m | 162.00 | 7.80 | 0.8356 | 6.25 | 1.76 | 1.33 | 1.33 | 5.86 | 12.41 | -- | -- | -- | -- | 3.54 | -- | -- | -- | -- | -- | 23.08 | -- | -- | -- | -- | -- | 23.32 | -- | -31.10 | -- | -- | -- |
| Penns Woods Bancorp, Inc. | 91.60m | 16.61m | 133.60m | 0.00 | 7.73 | 0.697 | 6.83 | 2.11 | 2.30 | 2.30 | 8.77 | 25.51 | -- | -- | -- | -- | 0.7899 | 0.8629 | -- | -- | -- | -- | 26.22 | 25.88 | -- | -- | -- | 55.77 | 41.07 | 9.29 | -4.67 | 2.47 | -16.66 | 0.4219 |
Data as of Apr 24 2024. Currency figures normalised to C&F Financial Corp's reporting currency: US Dollar USD
27.58%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Dimensional Fund Advisors LPas of 31 Dec 2023 | 186.40k | 5.53% |
| BlackRock Fund Advisorsas of 31 Dec 2023 | 173.73k | 5.15% |
| The Vanguard Group, Inc.as of 31 Dec 2023 | 161.01k | 4.77% |
| Manulife Investment Management (US) LLCas of 31 Dec 2023 | 111.18k | 3.30% |
| Renaissance Technologies LLCas of 31 Dec 2023 | 82.86k | 2.46% |
| Geode Capital Management LLCas of 31 Dec 2023 | 65.98k | 1.96% |
| Huber Capital Management LLCas of 31 Dec 2023 | 42.55k | 1.26% |
| SSgA Funds Management, Inc.as of 31 Dec 2023 | 40.07k | 1.19% |
| Bridgeway Capital Management LLCas of 31 Dec 2023 | 35.68k | 1.06% |
| Northern Trust Investments, Inc.(Investment Management)as of 31 Dec 2023 | 30.75k | 0.91% |
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Data from 31 Dec 2023 - 31 Dec 2023Source: FactSet Research Systems Inc.
