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C&f Financial(NASDAQ) CFFI

Current Price$78.76
Market Cap$251.07MMarket 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)+1,535%
5 Year+76%
1 Year+17%
1 Month-2%
C&f Financial last closing stock price
MetricPriceDate
Last closeUSD 77.152026-07-21
C&f Financial stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week+0.09%USD 77.082026-07-14
1 month-1.54%USD 78.362026-06-18
3 month+1.75%USD 75.832026-04-22
Year to date+7.67%USD 71.652025-12-31
1 year+17.22%USD 65.822025-07-21
3 year+49.82%USD 51.502023-07-21
5 year+75.88%USD 43.872021-07-22
Since inception+1,534.54%USD 4.721997-12-03

C&f Financial Financials at a Glance

Market Cap

$251.07MMarket 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)

$188.81M

Net Income (TTM)

$28.21M

EPS (TTM)

$8.71

P/E Ratio

8.86

Dividend

$1.88

Beta (Volatility)

0.46 (Low)

Price

$78.76

Volume

206

Open

$79.00

Previous Close

$77.15

Daily Range

$78.30 - $79.00

52-Week Range

$61.45 - $86.18

Estimated Earnings Date

Jul 23, 2026

CFFI News

No articles available.

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About C&f Financial

C&F Financial helps people save money and buy homes. It gives loans to people buying cars in Virginia. The firm also manages wealth for families and businesses.

More Than Just a Bank

  • Community Banking: Offers checking accounts, savings plans, and business loans through 30 branches in Virginia.
  • Mortgage Banking: Provides residential mortgage loans and sells them to the secondary market for investors.
  • Consumer Finance: Purchases loans for cars and recreational vehicles through a network of dealership partners.
  • Wealth Management: Delivers brokerage services and investment advice through specialized third-party service providers.

Strategic Steps and Purchases

  • Authorized a program in January 2026 to repurchase up to $5 million of common stock.
  • Acquired core deposits from Peoples Bankshares, Incorporated in 2020 to expand its regional banking operations.
  • Formed C&F Select LLC in 2019 to increase the volume of residential mortgage originations.

A Specialized Local Focus

The company combines traditional retail banking with specialized divisions for home and automobile financing. This model allows the firm to serve diverse financial needs across its primary Virginia markets.

Financial Performance at a Glance

  • Revenue was $47.7 million in Q1 2026, up 11.8% year-over-year.
  • Net income hit $6.7 million in Q1 2026, up 25.7% from Q1 2025.
  • Operating income reached $8.3 million in Q1 2026, up 27.9% year-over-year.
  • Free cash flow was -$7.6 million in Q1 2026, which worsened from $2.9 million in Q1 2025.

The Bottom Line

C&F Financial has evolved from a local bank into a multi-segment financial services provider. Its balanced mix of banking, mortgages, and consumer finance helps maintain steady operations within the Virginia market.

AI Generated • May 19, 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

69.34%

Operating Margin

18.48%

Net Income Margin

14.94%

Return on Equity

11.06%

Return on Capital

8.82%

Return on Assets

1.00%

Earnings Yield

11.29%

Dividend Yield

2.44%

Payout Ratio

21.35%

Stock Overview

Market Cap

$251.07MMarket 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

206

Avg. Volume

5.96K

Financials (TTM)

Gross Profit

$130.92M

Operating Income

$34.89M

EBITDA

$38.60M

Operating Cash Flow

$13.71M

Capital Expenditure

-$2.73M

Free Cash Flow

$10.98M

Cash & ST Invst.

$428.93M

Total Debt

$103.25M

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
Q22025-06-309.8%
Q32025-09-30-0.5%
Q42025-12-312.3%
Q12026-03-310.0%
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
Q22025-06-3042.8%
Q32025-09-30-7.6%
Q42025-12-31-5.5%
Q12026-03-310.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q1 2026YOY CHG

Revenue

$47.70M

+11.8%

Gross Profit

$32.66M

+13.8%

Gross Margin

68.47%

N/A

Market Cap

$251.07MMarket 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

$436.65K

N/A

Employees

575

N/A

Net Income

$6.75M

+25.7%

EBITDA

$9.12M

+21.4%

Quarterly Fundamentals

Name
Q1 2026YOY CHG

Total Cash

$428.93M

+36.2%

Total Debt

$103.25M

-13.6%

Accounts Receivable

$11.75M

+10.9%

Inventory

$0.00

N/A

Long Term Debt

$83.25M

-0.4%

Short Term Debt

$20.00M

-44.3%

Return on Assets

1.00%

N/A

Return on Invested Capital

1.25%

N/A

Free Cash Flow

-$7.89M

-368.1%

Operating Cash Flow

-$7.57M

-335.8%

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Questions About CFFI

What is the current price of C&f Financial?

C&f Financial is trading at $78.76 per share.

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

Over the past 52 weeks, C&f Financial has traded between $61.45 and $86.18.

How much debt does C&f Financial have?

As of the most recent reporting period, C&f Financial reported total debt of $103.25M.

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 2.44%.

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