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C&F Financial Corporation

CFFI Financial Banks Regional

C&F Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $186.1 million, up 9.40% from fiscal 2024.

Revenue
+4.17%
EPS
+17.0%
Free cash flow
+15.9%
Total debt
+14.2%

Quarter to September 2026, against a year earlier

106.01 2.34 −2.16%
Market cap
$352.3M
P/E
11.7×
Fwd P/E
11.5×
Dividend yield
1.75%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Insider Decisions last twelve months

Sold, $m 0.83
Trades a month
Jan 26 Apr 26 Jul 26 Oct 26
Buy — — — — — — — — — — — —
Sell — — 1 — — 2 3 — 4 2 — 1
Insider Ownership 6.81%

Capital & Financial Ratios $m

Size
Market Cap 352.26
Revenue ttm 197.12
Net income ttm 30.39
Free cash flow ttm 42.18
Net debt Q (45.97)
Valuation
P/E 11.67
Forward P/E 11.50
Price / sales 1.80
Forward P/S Powerpack
Price / FCF 8.39
Price / book 1.31
Financial health
Current ratio Q 0.92
Debt / equity Q 0.00
Interest coverage Q —
Growth
Revenue growth Q +4.17% (above 0%: growing)
Operating income growth Q +15.30% (above 0%: growing)
EPS, this year —
EPS, next year A —
Revenue, next year A −16.94% (below 0%: weak)
EPS, past 5 yrs +6.47%
EPS, next 5 yrs A —

Green and red mark values outside typical ranges; (Q) is the latest quarter, (A) analysts’ estimates. How we judge →

Valuation vs history

P/E against its own 10 years 75.61%
10-year low 10-year high
P/S against its own 10 years 96.44%
10-year low 10-year high
P/B against its own 10 years 91.86%
10-year low 10-year high

Dividends

Yield
1.75%
Annual rate
1.90
Payout ratio
20.4%
Growth, 2017–25
+4.14%/yr
  1. 1.33 ’17
  2. 1.41 ’18 +6
  3. 1.49 ’19 +6
  4. 1.52 ’20 +2
  5. 1.58 ’21 +4
  6. 1.64 ’22 +4
  7. 1.76 ’23 +7
  8. 1.76 ’24 +0
  9. 1.84 ’25 +5
  10. 1.90 ’26e +3
paid forecast change on the year, % Powerpack

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 75 66 79 46
Receivables — — — —
Inventory — — — —
Other — — — —
1,802 1,977 2,147 —
2023 2024 2025 Q'26
Payables 2,066 2,171 2,346 2,356
ST’ Debt — — — —
Other — — — —
2,128 2,204 2,369 —

Compound Annual Growth %

10y 5y 3y
Sales 5.62% 4.20% 12.55%
Cash Flow 4.79% 0.00% (35.33%)
Earnings 7.91% 3.94% (2.73%)
Book Value 7.19% 6.17% 10.16%

Earnings Trends EPS, adjusted, against the consensus

Q3 FY26 Estimate 2.46 Actual 2.55

Earnings per share against the consensus, by quarter
Quarter Estimate Reported Result
Q3 FY26 2.46 2.55 Beat by 0.09
Q4 FY26 2.53 — Reports 26 January 2027

EPS $

Mar Jun Sep Dec Year
’26 2.08 2.63 2.55 — —
’25 1.66 2.37 2.18 2.07 8.29
’24 1.01 1.50 1.65 1.87 6.01
’23 1.86 1.84 1.71 1.50 6.92
’22 1.59 1.91 1.85 2.97 8.29
’21 1.92 2.19 2.16 1.67 7.95
’20 0.98 1.03 1.86 2.19 6.06
Fiscal quarters ending in the months shown.

Revenue $m

Mar Jun Sep Dec Year
’26 48 52 50 — —
’25 44 47 48 48 186
’24 40 42 45 43 170
’23 37 39 38 40 154
’22 29 30 32 39 131
’21 37 37 35 34 144
’20 32 35 41 44 152
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (8) 25 29 — —
’25 3 (4) 23 2 24
’24 1 2 0 34 37
’23 0 (1) 23 17 39
’22 41 8 20 22 91
’21 41 65 14 38 157
’20 (22) (45) (71) 57 (80)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (8) 22 26 — —
’25 3 (5) 23 1 22
’24 0 1 (2) 33 33
’23 0 (1) 22 17 37
’22 40 8 19 21 87
’21 39 63 13 37 153
’20 (23) (47) (75) 55 (90)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Ten-year view Analyst estimates Powerpack
Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 TTM Sep ’26 Trend 10 yrs 2026e 2027e 2028e Next 3/yr
Income, $m
Income, $m Revenue 115 117 119 126 152 144 131 154 170 186 197 +5.4% 155 163 155 (6.0%)
Gross margin, % 92.23 91.78 90.73 88.49 91.17 94.18 93.96 82.81 74.83 75.67 76.71 (16.6) pt
EBT 18 18 23 24 29 38 37 29 24 33 37 +7.0%
EBT margin, % 15.52 15.38 18.96 18.93 19.28 26.53 28.31 18.97 14.18 17.77 19.02 +2.2 pt
Net income 13 7 18 19 22 29 29 24 20 27 30 +8.0%
Per share, $
Per share, $ Revenue 33.44 33.50 33.97 36.64 41.52 39.83 37.12 45.06 51.56 57.48 60.63 +6.2%
Earnings 3.89 1.89 5.15 5.47 6.06 7.95 8.29 6.92 6.01 8.29 9.33 +8.8%
Cash flow 7.81 7.39 13.58 (4.24) (22.03) 43.67 25.75 11.37 11.14 7.56 14.95 (0.4%)
Capex (0.49) (1.20) (0.96) (0.78) (2.71) (1.33) (0.96) (0.43) (1.06) (0.72) (1.98) +4.4%
Free cash flow 7.32 6.19 12.62 (5.02) (24.74) 42.34 24.78 10.95 10.08 6.84 12.97 (0.7%)
Book value 40.31 40.64 43.40 47.89 53.29 58.55 55.80 63.75 68.78 81.02 82.83 +8.1%
Shares, m 3 3 4 3 4 4 4 3 3 3 3 (0.7%)
Valuation, ×
Valuation, × P/E 12.47 30.26 10.33 10.13 6.12 6.45 7.15 10.03 11.82 8.77 11.67 11.4
P/S 1.44 1.71 1.57 1.51 0.89 1.29 1.60 1.54 1.38 1.26 1.80 1.4
P/B 1.20 1.41 1.23 1.16 0.70 0.87 1.07 1.09 1.04 0.90 1.31 1.1
EV/Sales 1.87 1.95 1.82 1.35 0.69 (0.19) 1.82 1.38 1.55 1.45 — 1.4
EV/FCF 8.53 10.52 4.89 (9.82) (1.16) (0.18) 2.73 5.69 7.91 12.15 — 4.1
Cash, $m
Cash, $m Operating cash flow 27 26 48 (15) (80) 157 91 39 37 24 49 (1.1%)
Capex (2) (4) (3) (3) (10) (5) (3) (1) (3) (2) (6) +3.6%
Free cash flow 25 22 44 (17) (90) 153 87 37 33 22 42 (1.5%)
Balance, $m
Balance, $m Working capital (8) (18) (5) 36 (151) (223) (396) (326) (228) (223) (178) +45.1%
Net debt 49 28 30 (21) (31) (212) 29 (24) 28 14 (46) (12.9%)
Shareholders’ equity 139 142 152 165 194 211 196 218 227 262 269 +7.3%
Returns, %
Returns, % ROA 0.94 0.44 1.19 1.19 1.18 1.32 1.27 0.99 0.79 1.01 1.10 +0.1 pt
ROIC 5.95 6.62 7.75 10.34 11.17 0.00 10.26 9.41 5.91 7.47 10.49 +1.5 pt
ROE 9.96 4.68 12.27 11.89 12.30 14.14 14.32 11.41 8.92 10.97 11.58 +1.0 pt
People
People Employees 636 650 634 643 697 650 613 594 545 575 — (1.1%)
Revenue/emp, $m 0.18 0.18 0.19 0.20 0.22 0.22 0.21 0.26 0.31 0.32 — +6.6%
Negative figures in brackets.
estimates

All 10 years →

Fiscal years to Dec 2025 · latest quarter Sep 2026 · fundamentals updated 5 Nov 2026

C&F Financial Corporation vs peers in Banks Regional (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
AVBH Avidbank Holdings Inc. $375.0M — (loss-making) 10.1× +15.59% (above 0%: growing) −6.49% (below 0%: shrinking) +148.71% (above 0%: growing) 69.18% 0.00% Compare
TSBK Timberland Bancorp, Inc. $371.8M 11.9× — +4.36% (above 0%: growing) +10.00% (above 0%: growing) −24.92% (below 0%: shrinking) 73.48% 0.00% Compare
USCB USCB Financial Holdings, Inc. $366.3M 12.9× 10.0× +9.15% (above 0%: growing) +19.51% (above 0%: growing) +34.55% (above 0%: growing) 64.78% 0.00% Compare
FRST Primis Financial Corp. $363.6M 6.8× 12.8× +19.34% (above 0%: growing) +285.01% (above 0%: growing) +85.35% (above 0%: growing) 71.20% 0.00% Compare
WSBF Waterstone Financial, Inc. $360.6M 11.5× 11.0× +1.53% (above 0%: growing) +13.95% (above 0%: growing) +124.33% (above 0%: growing) 74.78% 0.00% Compare
BRBS Blue Ridge Bankshares, Inc. $357.9M — (loss-making) — −19.39% (below 0%: shrinking) n/m −29.11% (below 0%: shrinking) 59.82% 0.00% Compare
CFFI C&F Financial Corporation $352.3M 11.7× 11.5× +4.17% (above 0%: growing) +16.97% (above 0%: growing) +15.92% (above 0%: growing) 77.02% 0.00%
ISBA Isabella Bank Corporation $345.0M 13.9× 12.2× +9.91% (above 0%: growing) +21.83% (above 0%: growing) +399.09% (above 0%: growing) 74.62% 0.00% Compare
FSBW FS Bancorp, Inc. $344.5M 9.9× 12.0× +3.60% (above 0%: growing) +6.00% (above 0%: growing) +778.44% (above 0%: growing) 69.52% 0.00% Compare
Median of peers $362.1M 11.7× 11.5× +6.76% +13.95% +104.84% 70.36% 0.00%

All 327 Banks Regional stocks →

Pay and ownership Proxy statement filed 11 March 2026

Chief executive’s pay

Year Total pay Actually paid $100 invested
2025 1.47m 1.42m 227.50
2024 1.30m 1.26m 217.50
2023 1.29m 1.38m 201.70
2022 1.16m 1.24m 167.10
2021 1.16m 1.36m 142.30

Ownership

Directors and executive officers, together 6.40%
Dimensional Fund Advisors LP 5.70%
The Vanguard Group 5.20%
BlackRock, Inc. 5.00%
Total pay is as the Summary Compensation Table states it; actually paid revalues the year’s share awards at its end, as the SEC’s pay-versus-performance rule asks. $100 invested is what $100 in the company’s shares at the start of the earliest year shown was worth at each year’s end. Ownership is the proxy’s own table: the directors and officers as a group, and every holder of 5% or more. Read the proxy statement

C&F Financial Corporation (CFFI) Latest News

26 Oct

Impact 4 ·
Impact 3 · · Associated Press

15 Oct

Impact 4 · · The Motley Fool

22 Sep

Impact 4 · · Zacks

24 Jul

Impact 3 ·
Impact 3 ·

22 Jul

Impact 4 ·
Impact 3 ·

7 May

Impact 4 · · GlobeNewswire

28 Apr

Impact 4 · · Zacks

23 Apr

Impact 3 · · GlobeNewswire

25 Feb

Impact 3 · · GlobeNewswire

2 Feb

Impact 4 · · Zacks

27 Jan

Impact 4 · · Associated Press Finance
Impact 4 · · GlobeNewswireGuruFocus.comMarketBeatMotley FoolGuruFocus.comMotley FoolMarketBeatMarketBeat

23 Jan

Impact 3 · · GlobeNewswireInsider Monkey

18 Dec

Impact 4 · · Simply Wall St.

10 Dec

Impact 3 · · Simply Wall St.

5 Dec

Impact 4 · · Zacks
Impact 4 · · Simply Wall St.

19 Nov

Impact 3 · · GlobeNewswire

28 Oct

Impact 4 · · Zacks

27 Oct

Impact 4 ·

25 Oct

Impact 4 · · Simply Wall St.

23 Oct

Impact 4 · · Associated Press Finance
Impact 3 · · GlobeNewswire

13 Aug

Impact 4 ·

25 Jul

Impact 3 ·

26 Apr

Impact 3 ·

24 Apr

Impact 4 · · Associated Press Finance
stockrow.com/CFFI · Data as of Nov 5, 2026 · For information only; not investment advice. · © 2026 stockrow.com