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C&F Financial

CFFI

C&F Financial Corp is a bank holding company that provides a diversified range of financial services including community banking, mortgage banking, and consumer finance.

Market cap
$268.44M+30.4%
Revenue$149.0M+10.8%
Net income$29.1M+18.8%
EPS (diluted)$8.96+18.8%
Trailing twelve months · change vs. prior year

Earnings

Next report

Oct 22, 2026 (in 3 months)

Financials

Q2 2026

Income statement

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Revenue$40.9M+12.4%
Net income$8.6M+11.3%
EPS (diluted)$2.63+11.0%

Balance sheet

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Cash & equivalents$62.1M-22.6%
Total equity$278.4M+15.8%
Total assets$2.8B+4.6%

Valuation & ratios

Valuation

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Market cap$268.44M+30.4%
P/E9.2×+0.5×
P/S1.8×+0.2×

Profitability

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Net margin19.5%+1.3pp

Returns & leverage

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Return on equity11.2%+0.5pp

Competitors

Profile

C&F Financial Corp is a bank holding company that provides a diversified range of financial services including community banking, mortgage banking, and consumer finance. The company operates through its primary subsidiary, Citizens and Farmers Bank, serving individuals and businesses with traditional deposit and loan products alongside specialized wealth management and insurance services. Its value proposition centers on a relationship-based community banking model supported by regional mortgage and indirect automobile lending operations.

Competitive position

A regional player emphasizing high-touch customer service and long-term relationships to compete against large national banks and digital-first fintech platforms.

GeographiesVirginia, Mid-Atlantic United States, Midwest United States, Southern United States
Customer segmentsRetail consumers, SMEs, Real estate developers, Automotive dealers
Business modelInterest-based lending, Fee-for-service, Brokerage, Indirect lending
SuppliersFederal Reserve System, Federal Home Loan Bank of Atlanta, Depositors, Institutional investors for trust preferred capital
CustomersRetail bank customers, Commercial borrowers, Secondary mortgage market investors, Automobile dealerships
Listed1998
Employees594.0
CEOThomas F. Cherry
Websitecffc.com
FilingsSEC EDGAR

FAQ

What is C&F Financial's market cap?
C&F Financial (CFFI) has a market capitalization of $268.4M and trades on NASDAQ.
What is C&F Financial's revenue and profitability?
C&F Financial generated $149.0M in trailing twelve-month revenue with net income of $29.1M, representing a net margin of 19.5%. These figures are based on the Q2 2026 filing.
Who are C&F Financial's competitors?
C&F Financial's key competitors include JPMorgan Chase & Co., Bank of America Corp, Wells Fargo & Co, and others. These companies compete in similar markets and product categories.
Who does C&F Financial partner with?
C&F Financial's notable partners include Fannie Mae, Freddie Mac, Federal Housing Administration, and others.
What subsidiaries does C&F Financial have?
C&F Financial's subsidiaries include Citizens and Farmers Bank, C&F Mortgage Corporation, C&F Finance Company, and others.
Where is C&F Financial headquartered?
C&F Financial is headquartered in United States of America and employs approximately 594 people. It has been publicly traded since 1998.