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Buy Day today: Poor Neutral (49) Good Mixed market breadth · no major macro event

C&F Financial Corporation (CFFI)

Financial Services Banks - Regional
77.00 $
Closing price · As of: 20. Jul 2026
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Basics

Market Cap
0.3Mrd. $
Shares Outstanding
3Mio.
Float
93.0%
Beta
0.3

Performance

Perf. 1M
12.50%
Perf. 3M
16.60%
Perf. 6M
16.30%
YTD Performance (%)
10.40%
52-Week-High Distance
-2.1%

Valuation

P/E
9.2
Forward P/E
5.7
PEG
P/B
1.1
P/S
1.4
EV/EBITDA
0.0
Price/FCF
24.0

Profitability

Gross Margin
100.0%
EBIT Margin
Net Margin
21.3%
Return on Equity
11.3%
Return on Assets
1.1%

Balance Sheet & Safety

Equity Ratio
Debt/Equity
0.4
Altman Z
3.78
Piotroski
7 von 9

Growth

Sales Growth Last Quarter
10.40%
EPS Growth Last Quarter
25.20%
Sales Growth (Year)
11.78%
Forward Sales Growth
Forward EPS Growth

Dividend

Dividend Yield
2.32%
Dividend Per Share (TTM)
1.88$
Payout Ratio
21.6%
Years Without a Cut
15Years
Increase Streak
1Years

Quality & Screener

Stage
2
RS Rating
54
EPS Rating
69
Piotroski
7 von 9
Fundamental Rating
B (+19 von 100)
Altman Z
3.78

AI Rating

Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built

Sales Per Quarter ($M)
2024: Q4 · 42.5 Mio. $ Q4 2025: Q1 · 42.7 Mio. $ Q1 2025: Q2 · 46.8 Mio. $ Q2 2025: Q3 · 46.6 Mio. $ Q3 2025: Q4 · 47.7 Mio. $ Q4 2026: Q1 · 47.7 Mio. $ Q1
Earnings Per Share Per Quarter ($)
2024: Q4 · 1.86 $ Q4 2025: Q1 · 1.65 $ Q1 2025: Q2 · 2.36 $ Q2 2025: Q3 · 2.17 $ Q3 2025: Q4 · 2.06 $ Q4 2026: Q1 · 2.07 $ Q1
Net Margin Per Quarter (%)
2024: Q4 · 14.2 % Q4 2025: Q1 · 12.6 % Q1 2025: Q2 · 16.4 % Q2 2025: Q3 · 15.2 % Q3 2025: Q4 · 14.1 % Q4 2026: Q1 · 14.1 % Q1
Operating Cash Flow Per Quarter ($M)
2024: Q4 · 35.5 Mio. $ Q4 2025: Q1 · 3.2 Mio. $ Q1 2025: Q2 · -4.4 Mio. $ Q2 2025: Q3 · 23.4 Mio. $ Q3 2025: Q4 · 2.2 Mio. $ Q4 2026: Q1 · -7.6 Mio. $ Q1
Free Cash Flow Per Quarter ($M)
2024: Q4 · 35.1 Mio. $ Q4 2025: Q1 · 2.9 Mio. $ Q1 2025: Q2 · -5.0 Mio. $ Q2 2025: Q3 · 22.7 Mio. $ Q3 2025: Q4 · 1.1 Mio. $ Q4 2026: Q1 · -7.9 Mio. $ Q1
Sales Growth vs. Year-Ago Quarter (%)
2024: Q4 · 5.1 % Q4 2025: Q1 · 8.3 % Q1 2025: Q2 · 13.6 % Q2 2025: Q3 · 6.3 % Q3 2025: Q4 · 12.3 % Q4 2026: Q1 · 11.8 % Q1
EPS Growth vs. Year-Ago Quarter (%)
2024: Q4 · 19.1 % Q4 2025: Q1 · 57.8 % Q1 2025: Q2 · 53.6 % Q2 2025: Q3 · 31.3 % Q3 2025: Q4 · 11.0 % Q4 2026: Q1 · 25.7 % Q1
Price Change in Quarter (%)
2024: Q4 · 22.8 % Q4 2025: Q1 · -4.8 % Q1 2025: Q2 · -7.7 % Q2 2025: Q3 · 9.6 % Q3 2025: Q4 · 8.7 % Q4 2026: Q1 · 1.2 % Q1

Quarterly Figures

Quarterly Figures
Quarter EPS (Earnings Per Share) EPS YoY (%) Sales ($M) Sales YoY (%) Net Margin (%) OCF ($M) FCF ($M)
2024: Q4 1.86 19.10 43 5.10 14.20 36 35
2025: Q1 1.65 57.80 43 8.30 12.60 3 3
2025: Q2 2.36 53.60 47 13.60 16.40 -4 -5
2025: Q3 2.17 31.30 47 6.30 15.20 23 23
2025: Q4 2.06 11.00 48 12.30 14.10 2 1
2026: Q1 2.07 25.70 48 11.80 14.10 -8 -8
What Do These Terms Mean?
EPS (Earnings Per Share):
Quarterly profit divided by the total share count — how much of the profit works out to a single share.
YoY (Year over Year):
Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
Sales:
All revenue for the quarter, before any costs are deducted — the top line of the income statement.
Net Margin:
What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
OCF (Operating Cash Flow):
The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
FCF (Free Cash Flow):
Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.

About the Company

C&F Financial Corporation ist eine Bankholding der Citizens and Farmers Bank, die Bankdienstleistungen für Privatpersonen und Unternehmen anbietet. Das Unternehmen ist in drei Segmenten tätig: Community Banking, Mortgage Banking und Consumer Finance.

Employees575
HeadquartersToano, VA
Websitecffc.com
IPO Date22. Jan 1998
Next Earnings23. Jul 2026

Management

Management
Name Title Birth Year
Larry G. Dillon Executive Chairman of the Board 1953
Thomas F. Cherry President, CEO & Non Independent Director 1969
Jason E. Long CPA Executive VP, CFO & Secretary 1979
John Anthony Seaman III Executive VP & Chief Credit Officer of C&F Bank 1958
Steven Dustin Crone President and CEO of C&F Finance Company 1969
Mark A. Fox President & CEO - C&F Mortgage Corp. 1966
Rodney W. Overby Executive VP & Chief Information Officer
Matt Hubbard Regional President of Southwest Virginia

Executives per the latest required filings; titles kept in their original language. Source: fundamental data.

Chart

Interactive price chart (TradingView).

Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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