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C&F Financial Corporation(CFFI)Earnings, Financials & Key Ratios
CFFI•NASDAQ•Banking & Credit
$80.00
9.7× P/E·Price updated Jul 7, 2026
AboutC&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. The company's Retail Banking offers various banking services, including checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. It also provides ATMs, Internet and mobile banking, and debit and credit cards, as well as safe deposit box rentals, notary public, electronic transfer, and other customary bank services. This segment offers its services through its main office in West Point, Virginia, as well as through 30 Virginia branches located 1 each in Albermarle, Goochland, Hanover, Middlesex, Powhatan, Stafford, York, Charlottesville, Hampton, Montross, Newport News, Richmond, Warsaw, and Williamsburg; 2 each in the counties of Cumberland, James City, King George, and New Kent; and four each in the counties of Chesterfield and Henrico. The company's Mortgage Banking segment provides various residential mortgage loans; originates conventional mortgage loans, mortgage loans insured by the Federal Housing Administration, and mortgage loans guaranteed by the United States Department of Agriculture and the Veterans Administration; and ancillary mortgage loan origination services for residential appraisals, as well as various mortgage origination functions to third parties. It provides mortgage loan origination services through 11 offices in Virginia, 1 office in Maryland, and 2 offices in North Carolina, as well as through 1 each in South Carolina and West Virginia. The company's Consumer Finance segment provides automobile loans through its offices in Richmond and Hampton, Virginia. It also offers brokerage and wealth management services; and insurance products. In addition, the company provides title and settlement agency, and insurance services. C&F Financial Corporation was founded in 1927 and is headquartered in West Point, Virginia.Show more
- Net Interest Income$106M+9.7%
- Total Revenue$186M+11.8%
- Net Income$27M+35.3%
- Return on Equity10.97%+22.9%
- Net Interest Margin3.84%+1.6%
- Efficiency Ratio51.7%-0.3%
- ROA1.01%+26.9%
- Equity / Assets9.48%+7.0%
- Book Value per Share81.03+17.8%
CFFI Price & Volume
C&F Financial Corporation (CFFI) stock price & volume — 10-year historical chart
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Consistent Interest Income Growth Offsets Operational Volatility
Investment Thesis • Updated 2026Q1
VerdictNeutral: While the bank has successfully grown net interest income by 19.4% since 2024Q1
Growth:Accelerating
Profitability:Moderate
Financial:Healthy
Cash Flow:Mixed
Primary Risk:Consumer credit quality volatility
Key Thesis Takeaways
- C&F Financial Corporation demonstrates a disciplined growth trajectory, evidenced by net interest income expanding from $23.2 million in 2024Q1 to $27.7 million by 2026Q1.
- While the bank maintains a conservative capital structure with a stable 0.09 equity-to-assets ratio, investors should monitor the inherent volatility in non-interest income and the ongoing credit provisioning requirements within its specialized consumer finance portfolio.
- The current forward P/E of 8.36 suggests a valuation that reflects both the bank's steady interest-based revenue expansion and the risks associated with its reliance on transactional mortgage banking fees.
Verdict Logic
the persistent volatility in non-interest income and the 10.40 TTM P/E ratio suggest that current market pricing already accounts for the bank's moderate profitability profile.
CFFI Growth Metrics
C&F Financial Corporation (CFFI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years5.62%
5 Years4.66%
3 Years14.67%
TTM-
Profit CAGR
10 Years7.91%
5 Years3.94%
3 Years-2.73%
TTM29.42%
EPS CAGR
10 Years8.46%
5 Years6.47%
3 Years0%
TTM30.39%
Return on Capital
10 Years8.43%
5 Years10%
3 Years8.54%
Last Year8.72%
CFFI Recent Earnings
C&F Financial Corporation (CFFI) EPS & revenue vs analyst estimates — last 4 quarters
Q2 2026Latest
Apr 23, 2026Metric
Actual
Est
EPS
$2.08
—
Rev
$48M
—
Q1 2026
Jan 27, 2026Metric
Actual
Est
EPS
$2.07
—
Rev
$48M
—
Q4 2025
Oct 23, 2025Metric
Actual
Est
EPS
$2.18
—
Rev
$47M
—
Q3 2025
Jul 24, 2025Metric
Actual
Est
EPS
$2.37
—
Rev
$47M
—
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $2.08 | $48M |
| Q1 2026 | Jan 27, 2026 | $2.07 | $48M |
| Q4 2025 | Oct 23, 2025 | $2.18 | $47M |
| Q3 2025 | Jul 24, 2025 | $2.37 | $47M |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for C&F Financial Corporation (CFFI)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $80.00 | $260.35M | 9.65 | 11.78% | 14.42% | 10.97% | 2.3% | |
| $36.20 | $230.54M | 14.54 | 7.88% | 20.41% | 9.76% | — | |
| $23.29 | $224.61M | 15.95 | -9.41% | 16.49% | 8% | — | |
| $24.06 | $171.21M | 13.67 | -1.44% | 12.96% | 7.98% | — | |
| $29.30 | $264.9M | 14.95 | 27.11% | 18.05% | 11.51% | — | |
| $61.57 | $1.53B | 15.35 | -1.93% | 25.81% | 14.79% | — |
Compare CFFI vs Peers
C&F Financial Corporation (CFFI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CFFI SEC Filings & Documents
C&F Financial Corporation (CFFI) SEC filings — annual & quarterly reports (10-K, 10-Q)
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CFFI Frequently Asked Questions
C&F Financial Corporation (CFFI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
How fast is C&F Financial Corporation growing?
C&F Financial Corporation (CFFI) grew revenue by 11.8% over the past year. This is steady growth.
Is CFFI profitable?
Yes, C&F Financial Corporation (CFFI) is profitable, generating $28.2M in net income for fiscal year 2025 (14.4% net margin).
Dividend & Returns
Does CFFI pay dividends?
Yes, C&F Financial Corporation (CFFI) pays a dividend with a yield of 2.30%. This makes it attractive for income-focused investors.
What is CFFI's return on equity?
C&F Financial Corporation (CFFI) has a return on equity (ROE) of 11.0%. This is reasonable for most industries.
Industry Metrics
What is C&F Financial Corporation's net interest margin?
C&F Financial Corporation (CFFI) has a net interest margin (NIM) of 3.8%. This indicates healthy earnings from lending activities.
What is C&F Financial Corporation's efficiency ratio?
C&F Financial Corporation (CFFI) has an efficiency ratio of 51.7%. This is excellent, indicating strong cost control.