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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)142.87m
- Net income in USD21.80m
- Incorporated1993
- Employees545.00
- 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) | 91.25m | 15.36m | 193.65m | 265.00 | 12.69 | 1.29 | 11.25 | 2.80 | 1.99 | 1.99 | 8.95 | 19.52 | -- | -- | -- | -- | 0.7822 | 0.8201 | -- | -- | -- | -- | 22.20 | 22.15 | -- | -- | -- | 29.90 | 23.01 | 15.97 | 17.83 | 4.93 | -17.05 | 1.05 |
| Blue Foundry Bancorp | 87.32m | -11.76m | 199.83m | 184.00 | -- | 0.6209 | -- | 4.92 | -0.5589 | -0.5589 | 1.93 | 14.82 | -- | -- | -- | -- | -0.5711 | -0.856 | -- | -- | -- | -- | -28.97 | -37.96 | -- | -- | -- | -- | 8.02 | 5.68 | -61.02 | -- | -42.38 | -- |
| ESSA Bancorp Inc | 103.72m | 14.78m | 208.48m | 236.00 | 13.23 | 0.8816 | 12.50 | 3.20 | 1.55 | 1.55 | 6.84 | 23.29 | -- | -- | -- | -- | 0.6784 | 0.8732 | -- | -- | -- | -- | 22.66 | 26.20 | -- | -- | -- | 30.40 | 21.00 | 8.83 | -8.53 | 6.12 | -23.25 | 8.45 |
| Western New England Bancorp Inc | 111.67m | 11.01m | 208.77m | 286.00 | 19.09 | 0.881 | 15.35 | 2.96 | 0.528 | 0.528 | 3.39 | 11.44 | -- | -- | -- | -- | 0.418 | 0.7037 | -- | -- | -- | -- | 15.61 | 21.83 | -- | -- | -- | 30.82 | 8.62 | 5.99 | -22.58 | -2.66 | -1.43 | 6.96 |
| Finwise Bancorp | 75.24m | 12.16m | 209.46m | 196.00 | 17.35 | 1.18 | 11.51 | 2.51 | 0.9135 | 0.9135 | 6.27 | 13.42 | -- | -- | -- | -- | 1.78 | 4.57 | -- | -- | -- | -- | 15.11 | 26.71 | -- | -- | -- | 0.00 | 15.21 | 28.28 | -28.07 | 5.09 | 55.41 | -- |
| C&F Financial Corp | 142.87m | 21.80m | 214.30m | 545.00 | 9.90 | 0.9124 | 8.31 | 1.66 | 6.68 | 6.68 | 39.58 | 72.51 | -- | -- | -- | -- | 0.861 | 1.11 | -- | -- | -- | -- | 16.93 | 19.16 | -- | -- | -- | 23.30 | 12.45 | 8.00 | -15.97 | 1.01 | 5.20 | 3.39 |
| First United Corp | 94.16m | 22.68m | 222.35m | 291.00 | 9.83 | 1.21 | 8.65 | 2.71 | 3.49 | 3.49 | 12.62 | 28.35 | -- | -- | -- | -- | 1.17 | 1.06 | -- | -- | -- | -- | 27.64 | 25.67 | -- | -- | -- | 24.00 | 13.35 | 9.69 | 36.58 | 9.39 | -13.51 | 15.44 |
| Princeton Bancorp Inc | 128.18m | 11.28m | 223.19m | 242.00 | 19.63 | 0.8353 | 16.29 | 2.85 | 1.64 | 1.64 | 11.61 | 38.56 | -- | -- | -- | -- | 0.5237 | 1.13 | -- | -- | -- | -- | 14.42 | 28.17 | -- | -- | -- | 28.86 | 25.23 | 15.54 | -60.25 | 0.1964 | -17.47 | 44.57 |
| Provident Bancorp Inc (Maryland) | 88.00m | 4.46m | 225.37m | 177.00 | 48.31 | 0.963 | 41.19 | 3.97 | 0.2623 | 0.2623 | 3.38 | 13.16 | -- | -- | -- | -- | 0.2777 | 0.315 | -- | -- | -- | -- | 7.85 | 7.60 | -- | -- | -- | 24.86 | -0.9303 | 11.66 | -33.62 | -7.62 | -43.18 | -- |
| Oak Valley Bancorp | 84.02m | 24.52m | 231.43m | 225.00 | 9.31 | 1.26 | 8.95 | 3.00 | 2.97 | 2.97 | 9.34 | 21.89 | -- | -- | -- | -- | 1.31 | 1.23 | -- | -- | -- | -- | 31.74 | 33.08 | -- | -- | -- | 12.46 | 2.76 | 14.24 | -19.13 | 14.84 | 5.16 | 10.76 |
| FB Bancorp Inc | 67.56m | -4.70m | 235.27m | 325.00 | -- | 0.7099 | -- | 3.46 | -0.2341 | -0.2341 | 3.50 | 16.71 | -- | -- | -- | -- | -0.3988 | -- | -- | -- | -- | -- | -6.91 | -- | -- | -- | -- | -- | 21.35 | -- | -655.81 | -- | -- | -- |
| First Western Financial Inc | 151.46m | 10.14m | 237.45m | 321.00 | 23.55 | 0.9245 | 18.62 | 2.54 | 1.04 | 1.04 | 9.58 | 26.44 | -- | -- | -- | -- | 0.3475 | 0.648 | -- | -- | -- | -- | 10.85 | 16.42 | -- | -- | -- | 0.00 | 4.87 | 27.64 | 62.16 | 1.13 | 23.93 | -- |
| FVCBankcorp Inc | 115.04m | 18.89m | 239.83m | 110.00 | 13.01 | 1.01 | 12.42 | 3.95 | 1.02 | 1.02 | 3.29 | 13.17 | -- | -- | -- | -- | 0.854 | 0.7797 | -- | -- | -- | -- | 31.14 | 28.53 | -- | -- | -- | -- | 6.28 | 11.17 | 294.14 | -0.9846 | -14.63 | -- |
| Middlefield Banc Corp | 102.12m | 16.18m | 240.17m | 246.00 | 14.84 | 1.12 | -- | 3.47 | 2.00 | 2.00 | 8.56 | 26.46 | -- | -- | -- | -- | 0.8735 | 0.9746 | -- | -- | -- | -- | 23.39 | 25.06 | -- | -- | -- | 35.59 | 12.14 | 13.18 | -10.65 | 4.07 | -16.37 | 7.01 |
| First Internet Bancorp | 300.55m | 21.04m | 240.91m | 323.00 | 11.52 | 0.6213 | 8.39 | 1.71 | 2.41 | 2.41 | 16.13 | 44.58 | -- | -- | -- | -- | 0.3759 | 0.6359 | -- | -- | -- | -- | 14.90 | 25.56 | -- | -- | -- | 7.74 | 21.90 | 14.64 | 200.30 | 0.0293 | -8.79 | 0.00 |
Data as of Jul 18 2025. Currency figures normalised to C&F Financial Corp's reporting currency: US Dollar USD
26.02%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Dimensional Fund Advisors LPas of 31 Mar 2025 | 177.39k | 5.49% |
| The Vanguard Group, Inc.as of 31 Mar 2025 | 147.75k | 4.57% |
| Manulife Investment Management (US) LLCas of 31 Mar 2025 | 106.85k | 3.31% |
| Renaissance Technologies LLCas of 31 Mar 2025 | 83.16k | 2.57% |
| Truffle Hound Capital LLCas of 31 Mar 2025 | 75.00k | 2.32% |
| Huber Capital Management LLCas of 31 Mar 2025 | 61.25k | 1.90% |
| Susquehanna Financial Group LLLPas of 31 Mar 2025 | 61.22k | 1.89% |
| Millennium Management LLCas of 31 Mar 2025 | 52.20k | 1.62% |
| LSV Asset Managementas of 31 Mar 2025 | 40.67k | 1.26% |
| Bridgeway Capital Management LLCas of 31 Mar 2025 | 35.61k | 1.10% |
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Data from 31 Mar 2025 - 31 Mar 2025Source: FactSet Research Systems Inc.
