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C&f Financial(NASDAQ) CFFI

Market Cap$295.94MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (1997)+1,828%
5 Year+97%
1 Year+30%
1 Month+10%
Premium Feature
Moneyball Superscore
67/100
$91.11
+0.11%
+0.10Today
C&f Financial last closing stock price
MetricPriceDate
Last closeUSD 91.012026-08-31
C&f Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+4.62%USD 86.992026-08-24
1 month+10.19%USD 82.592026-07-31
3 month+25.33%USD 72.622026-06-02
Year to date+27.02%USD 71.652025-12-31
1 year+29.75%USD 70.142025-08-29
3 year+87.77%USD 48.472023-09-01
5 year+96.73%USD 46.262021-09-01
Since inception+1,828.19%USD 4.721997-12-03

C&f Financial Financials at a Glance

Market Cap

$295.94MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

$192.03M

Net Income (TTM)

$29.09M

EPS (TTM)

$8.96

P/E Ratio

10.15

Dividend

$1.88

Beta (Volatility)

0.45 (Low)

Price

$91.11

Volume

141,101.757

Open

$90.28

Previous Close

$91.01

Daily Range

$90.28 - $92.75

52-Week Range

$64.71 - $94.31

Estimated Earnings Date

Oct 22, 2026

CFFI News

No articles available.

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About C&f Financial

C&F Financial Corporation helps people and businesses manage their money. It provides bank accounts, home mortgages, and car loans in Virginia. The company also offers wealth management and insurance services to clients.

Banking, Loans, and More

  • Community Banking: Checking, savings, and business loan services delivered through 31 branches in Virginia.
  • Mortgage Banking: Residential home loans and refinancing services available in Virginia, Maryland, and the Carolinas.
  • Consumer Finance: Indirect automobile loans for customers in both prime and non-prime markets.
  • Lender Solutions: Mortgage origination and appraisal functions provided to third-party mortgage lenders for a fee.
  • Wealth Management: Brokerage, trust services, and insurance products for individuals and businesses.

Growing Across Virginia

  • Expanded into Southwest Virginia by opening a retail branch in Roanoke.
  • Sold an equity interest in Bearing Insurance Group during the second quarter of 2026.
  • Completed a strategic restructuring of the securities portfolio in the second quarter of 2026 to improve interest yields.
  • Hired a veteran lender in Lynchburg during July 2026 to continue geographic growth.

What Makes C&F Different

The company uses a decentralized model to run three distinct business segments across Virginia and nearby states. It manages credit risk in its automobile loan portfolio by using a specialized scorecard system for various borrower profiles.

A Look at the Numbers

  • Consolidated net income was $8.6 million for the second quarter of 2026.
  • Community banking loans grew $65.9 million during the six-month period ended June 30, 2026.
  • Annualized net interest margin reached 4.41% in the second quarter of 2026, up from 4.27% in the second quarter of 2025.
  • Total assets grew to $2.8 billion at June 30, 2026, which was an increase of $41.5 million from Dec. 31, 2025.
  • The board declared a quarterly cash dividend of 48 cents per share during the second quarter of 2026.

C&F Evolution

C&F Financial has evolved from a local bank into a diversified financial firm with multiple income sources. Its expansion into new markets and focus on varied lending segments support its long-term business operations.

AI Generated • Aug 11, 2026

Industry

Banks

Sector

Financials

Employees

575

CEO

Thomas F. Cherry, MBA, CPA

Website

www.cffc.com

Headquarters

Toano, VA 23168, US

CFFI Financials

Key Financial Metrics (TTM)

Gross Margin

68.88%

Operating Margin

18.82%

Net Income Margin

15.15%

Return on Equity

10.99%

Return on Capital

8.82%

Return on Assets

1.04%

Earnings Yield

9.85%

Dividend Yield

2.07%

Payout Ratio

20.97%

Stock Overview

Market Cap

$295.94MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

3.25M

Volume

141.10K

Avg. Volume

22.63K

Financials (TTM)

Gross Profit

$132.27M

Operating Income

$36.13M

EBITDA

$39.63M

Operating Cash Flow

$42.79M

Capital Expenditure

-$1.50M

Free Cash Flow

$41.29M

Cash & ST Invst.

$520.36M

Total Debt

$118.17M

C&f Financial Performance Analysis

C&f Financial annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20222022-12-31USD 129,836,000-9.3%
20232023-12-31USD 153,752,00018.4%
20242024-12-31USD 170,132,00010.7%
20252025-12-31USD 186,130,0009.4%
C&f Financial sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-0.5%
Q42025-12-312.3%
Q12026-03-310.0%
Q22026-06-304.9%
C&f Financial annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20222022-12-31USD 8.294.2%
20232023-12-31USD 6.92-16.6%
20242024-12-31USD 6.01-13.1%
20252025-12-31USD 8.2937.9%
C&f Financial sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q32025-09-30-7.6%
Q42025-12-31-5.5%
Q12026-03-310.5%
Q22026-06-3026.4%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q2 2026YOY CHG

Revenue

$50.05M

+6.9%

Gross Profit

$35.18M

+4.0%

Gross Margin

70.30%

N/A

Market Cap

$295.94MMarket cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$514.67K

N/A

Employees

575

N/A

Net Income

$8.56M

+11.3%

EBITDA

$11.65M

+9.6%

Quarterly Fundamentals

Name
Q2 2026YOY CHG

Total Cash

$520.36M

+39.2%

Total Debt

$118.17M

-19.1%

Accounts Receivable

$11.77M

+7.6%

Inventory

$0.00

N/A

Long Term Debt

$65.51M

-36.7%

Short Term Debt

$52.66M

+23.5%

Return on Assets

1.04%

N/A

Return on Invested Capital

9.31%

N/A

Free Cash Flow

$25.02M

+605.0%

Operating Cash Flow

$24.69M

+662.8%

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Questions About CFFI

What is the current price of C&f Financial?

C&f Financial is trading at $91.30 per share.

What is the 52-week range for C&f Financial?

Over the past 52 weeks, C&f Financial has traded between $64.71 and $94.31.

How much debt does C&f Financial have?

As of the most recent reporting period, C&f Financial reported total debt of $118.17M.

How much cash does C&f Financial have on hand?

C&f Financial does not have cash on hand data available.

What is C&f Financial’s dividend yield?

C&f Financial currently has a dividend yield of 2.07%.

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