C&F Financial Corporation (CFFI)
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Basics
Performance
Valuation
Profitability
Balance Sheet & Safety
Growth
Dividend
Quality & Screener
AI Rating
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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 |
- 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.
| Employees | 575 |
|---|---|
| Headquarters | Toano, VA |
| Website | cffc.com |
| IPO Date | 22. Jan 1998 |
| Next Earnings | 23. Jul 2026 |
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.