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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. In the quarter to June 2026, revenue grew 10.3%, EPS grew 11.0%, free cash flow grew 549.9% and total debt rose 14.2%, each against the same quarter a year earlier. Dividend growth for ten consecutive years, revenue growth for three.

102.06 0.67 −0.65%
Market cap
$334.0M
P/E
11.4×
Fwd P/E
—
Dividend yield
1.86%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

Insider Decisions trades per month

Total sells 0.72
Totals in millions of $.
Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — 1 — — 2 3 — 4 2 —
Insider Ownership 6.83%

Capital & Financial Ratios $m

Market Cap 334.04
Revenue 195.14
Net Income 29.25
Free Cash Flow 38.56
Net Debt 56.06
Current Ratio 0.92
Debt/Equity 0.42
P/E ratio 11.39
Fwd P/E —
P/S ratio 1.70
P/B ratio 1.19
Past 5Y EPS Growth 6.47%
This Y EPS Growth —
Next Y EPS Growth —
Next Y revenue growth (14.68%) (below 0%: weak)
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

P/E against its own 10 years 73.20%
10-year low 10-year high
P/S against its own 10 years 92.92%
10-year low 10-year high
P/B against its own 10 years 85.66%
10-year low 10-year high

Dividends

Payout Ratio 0.21
Annual Dividend Rate 1.90
Annual Dividend Yield 1.86%
total individual payouts
2027 Powerpack
2026 1.90
0.48
0.48
0.48
2025 1.84
0.46
0.46
0.46
0.46
2024 1.76
0.44
0.44
0.44
0.44
2023 1.76
0.44
0.44
0.44
0.44
2022 1.64
0.40
0.40
0.42
0.42
2021 1.58
0.38
0.40
0.40
0.40
2020 1.52
0.38
0.38
0.38
0.38
2019 1.49
0.37
0.37
0.37
0.38
2018 1.41
0.34
0.34
0.36
0.37
2017 1.33
0.33
0.33
0.33
0.34
2016 1.29
0.32
0.32
0.32
0.33
predictions special payouts not included in total or ratios

Assets vs Liabilities $m

2023 2024 2025 Q'26
Cash 75 66 79 62
Receivables — — — —
Inventory — — — —
Other — — — —
1,802 1,977 2,147 2,191
2023 2024 2025 Q'26
Payables 2,066 2,171 2,346 2,365
ST’ Debt — — — —
Other — — — —
2,128 2,204 2,369 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%

Revenue $m

Mar Jun Sep Dec Year
’26 48 52 — — —
’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 — — —
’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 — — —
’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.

EPS $

Mar Jun Sep Dec Year
’26 2.08 2.63 — — —
’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.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 Trend 2026e 2027e 2028e
Price, $
Price, $ Low 37.02 42.25 45.28 45.66 28.00 36.90 43.10 48.01 33.51 53.14

Analyst estimates 2026–2028

Powerpack
High 53.40 65.05 67.40 57.61 55.51 55.00 63.77 72.00 80.87 89.90
People
People Employees 636 650 634 643 697 650 613 594 545 575
Revenue/emp, $m 0.18 0.18 0.19 0.20 0.22 0.22 0.21 0.26 0.31 0.32
Income, $m
Income, $m Revenue 115 117 119 126 152 144 131 154 170 186
Gross margin, % 92.23 91.78 90.73 88.49 91.17 94.18 93.96 82.81 74.83 75.67
EBT 18 18 23 24 29 38 37 29 24 33
EBT margin, % 15.52 15.38 18.96 18.93 19.28 26.53 28.31 18.97 14.18 17.77
Net income 13 7 18 19 22 29 29 24 20 27
Depreciation 5 5 5 5 6 8 5 5 5 4
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
Earnings 3.89 1.89 5.15 5.47 6.06 7.95 8.29 6.92 6.01 8.29
Cash flow 7.81 7.39 13.58 (4.24) (22.03) 43.67 25.75 11.37 11.14 7.56
Capex (0.49) (1.20) (0.96) (0.78) (2.71) (1.33) (0.96) (0.43) (1.06) (0.72)
Free cash flow 7.32 6.19 12.62 (5.02) (24.74) 42.34 24.78 10.95 10.08 6.84
Book value 40.31 40.64 43.40 47.89 53.29 58.55 55.80 63.75 68.78 81.02
Shares, m 3 3 4 3 4 4 4 3 3 3
Valuation, ×
Valuation, × P/E 12.47 30.26 10.33 10.13 6.12 6.45 7.15 10.03 11.82 8.77
P/S 1.44 1.71 1.57 1.51 0.89 1.29 1.60 1.54 1.38 1.26
P/B 1.20 1.41 1.23 1.16 0.70 0.87 1.07 1.09 1.04 0.90
EV/Sales 1.87 1.95 1.82 1.35 0.69 (0.19) 1.82 1.38 1.55 1.45
EV/FCF 8.53 10.52 4.89 (9.82) (1.16) (0.18) 2.73 5.69 7.91 12.15
Cash, $m
Cash, $m Operating cash flow 27 26 48 (15) (80) 157 91 39 37 24
Capex (2) (4) (3) (3) (10) (5) (3) (1) (3) (2)
Free cash flow 25 22 44 (17) (90) 153 87 37 33 22
Balance, $m
Balance, $m Working capital (8) (18) (5) 36 (151) (223) (396) (326) (228) (223)
Total debt 152 147 145 145 56 56 55 51 94 93
Net debt 49 28 30 (21) (31) (212) 29 (24) 28 14
Shareholders’ equity 139 142 152 165 194 211 196 218 227 262
Returns, %
Returns, % ROA 0.94 0.44 1.19 1.19 1.18 1.32 1.27 0.99 0.79 1.01
ROIC 5.95 6.62 7.75 10.34 11.17 0.00 10.26 9.41 5.91 7.47
ROE 9.96 4.68 12.27 11.89 12.30 14.14 14.32 11.41 8.92 10.97
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Charts ten years each

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
FSBW FS Bancorp, Inc. $350.9M 10.1× 9.4× +3.60% (above 0%: growing) +6.00% (above 0%: growing) +778.44% (above 0%: growing) 69.52% 0.00% Compare
BRBS Blue Ridge Bankshares, Inc. $349.1M 37.9× — −19.39% (below 0%: shrinking) n/m −84.87% (below 0%: shrinking) 59.82% 0.00% Compare
BCML Bay Commercial Bank $338.1M 26.0× 13.8× −3.52% (below 0%: shrinking) n/m −19.47% (below 0%: shrinking) 74.74% 0.00% Compare
AVBH Avidbank Holdings Inc. $337.8M — (loss-making) 9.1× +15.59% (above 0%: growing) −6.49% (below 0%: shrinking) +148.71% (above 0%: growing) 69.18% 0.00% Compare
FDBC Fidelity D&D Bancorp Inc. $336.0M 11.0× 22.8× +5.91% (above 0%: growing) +11.67% (above 0%: growing) +157.33% (above 0%: growing) 70.54% 0.00% Compare
CFFI C&F Financial Corporation $334.0M 11.4× — +10.31% (above 0%: growing) +10.97% (above 0%: growing) +549.86% (above 0%: growing) 78.40% 0.00%
CBNA Chain Bridge Bancorp, Inc. $324.9M 12.1× 7.7× +51.95% (above 0%: growing) +107.14% (above 0%: growing) +147.51% (above 0%: growing) 96.81% 0.00% Compare
JMSB John Marshall Bancorp, Inc. $321.6M 13.2× 11.7× +10.02% (above 0%: growing) +38.89% (above 0%: growing) −31.74% (below 0%: shrinking) 60.20% 0.00% Compare
COSO CoastalSouth Bancshares, Inc. $319.7M 11.5× 11.2× +6.47% (above 0%: growing) +5.17% (above 0%: growing) +158.51% (above 0%: growing) 63.95% 0.00% Compare
Median of peers $336.9M 12.1× 11.2× +6.19% +8.84% +148.11% 69.35% 0.00%

All 323 Banks Regional stocks →

C&F Financial Corporation (CFFI) key facts

  • Strength: C&F Financial Corporation’s revenue for fiscal 2025 (year ended December 2025) was $186.1 million, up 9.40% from fiscal 2024.
  • Strength: Net income was $27.0 million, or $8.29 per share (basic), a net margin of 14.4%.
  • C&F Financial Corporation (CFFI) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • As of October 16, 2026, CFFI traded at $102.06, a market capitalization of $334.0 million.
  • At that price the stock trades at 11.4× trailing-twelve-month earnings and 1.7× sales; its P/E is higher than 73% of its own readings over the past ten years.
  • C&F Financial Corporation pays an annual dividend of $1.90 per share, a yield of 1.86%, with a payout ratio of 21.2%.
  • Return on equity was 11.0% and debt-to-equity 0.42.
  • Its Piotroski F-score is 8 out of 9 for fiscal 2025.

Source: company filings (standardised) and stockrow calculations.

C&F Financial Corporation (CFFI) Latest News

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stockrow.com/CFFI · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com