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CFFI

C&F Financial Corporation

CFFI

C&F Financial Corporation • NASDAQ
$69.45 ▼ -0.60% (-0.42)
Market Cap $224.90 M
52w High $89.90
52w Low $53.14
Dividend Yield 1.82%
P/E 8.6
Volume 1.78K
Outstanding Shares 3.24M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $46.599M ▼ $23.262M ▼ $7.075M ▼ 15.183% ▼ $2.19 ▼ $9.796M ▼
Q2-2025 $46.833M ▲ $24.208M ▲ $7.691M ▲ 16.422% ▲ $2.37 ▲ $10.622M ▲
Q1-2025 $42.671M ▲ $22.169M ▲ $5.368M ▼ 12.58% ▼ $1.66 ▼ $7.512M ▼
Q4-2024 $42.464M ▼ $20.387M ▼ $6.037M ▲ 14.217% ▲ $1.87 ▲ $8.25M ▲
Q3-2024 $43.851M $22.039M $5.389M 12.289% $1.65 $7.615M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q2-2025 $373.691M ▲ $2.686B ▲ $2.445B ▲ $240.313M ▲
Q1-2025 $315.031M ▲ $2.613B ▲ $2.377B ▲ $234.634M ▲
Q4-2024 $132.04M ▼ $2.563B ▲ $2.336B ▲ $226.36M ▼
Q3-2024 $458.238M ▲ $2.551B ▲ $2.323B ▲ $227.34M ▲
Q2-2024 $449.424M $2.492B $2.273B $218.463M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q2-2025 $7.767M ▲ $-4.388M ▼ $-56.073M ▼ $64.698M ▲ $4.237M ▼ $-4.954M ▼
Q1-2025 $5.395M ▼ $3.211M ▼ $-33.539M ▼ $40.7M ▲ $10.372M ▼ $2.944M ▼
Q4-2024 $6.029M ▲ $35.494M ▲ $-31.936M ▲ $12.835M ▼ $16.393M ▲ $35.064M ▲
Q3-2024 $5.42M ▲ $404K ▼ $-44.482M ▼ $48.605M ▲ $4.527M ▲ $-1.628M ▼
Q2-2024 $5.034M $1.695M $-22.601M $10.365M $-10.541M $1.156M

Revenue by Products

Product Q3-2024Q4-2024Q1-2025Q2-2025
Community Banking
Community Banking
 $20.00M ▲$20.00M ▲$20.00M ▲$20.00M ▲
Consumer Finance Segment
Consumer Finance Segment
 $0 ▲$0 ▲$10.00M ▲$10.00M ▲
Mortgage Banking
Mortgage Banking
 $0 ▲$0 ▲$0 ▲$0 ▲
Other Operating Segment
Other Operating Segment
 $0 ▲$0 ▲$0 ▲$0 ▲
Other
Other
 $0 ▲$0 ▲$0 ▲$0 ▲
Consumer Finance
Consumer Finance
 $10.00M ▲$10.00M ▲$0 ▼$0 ▲

Five-Year Company Overview

Income Statement

Income Statement C&F Financial has grown its revenue steadily over the past five years, showing a solid ability to generate business across cycles. Profitability remains positive, but earnings have come down from their recent peak, suggesting some pressure on margins or higher costs. The bank is still clearly profitable, yet per‑share earnings have eased back over the last few years, which is worth watching as it may reflect a tougher lending environment, higher funding costs, or more conservative reserving for credit risk.

Balance Sheet

Balance Sheet The balance sheet has expanded gradually, with total assets and shareholder equity both trending upward, pointing to measured, steady growth rather than aggressive expansion. Debt levels appear moderate relative to the size of the balance sheet, which supports a generally conservative funding profile. Cash levels have moved around from year to year, which is not unusual for a bank, but overall the institution appears to be maintaining a solid capital base and a reasonably balanced structure between deposits, borrowings, and equity.

Cash Flow

Cash Flow Cash generation from operations has been positive in recent years, though not as strong as in the earlier part of the period. Free cash flow closely tracks operating cash flow, reflecting limited spending on physical investments, which is typical for a largely service‑based financial institution. The pattern suggests a business that can fund its needs and shareholder returns from internal cash generation, but with some variability over time that likely reflects shifts in loan growth, funding costs, and working capital movements within the loan and deposit books.

Competitive Edge

Competitive Edge C&F holds a niche as a diversified community bank with three key engines: local community banking, mortgage banking, and a specialized consumer finance arm. Its deep relationships in Virginia, local decision‑making, and personalized service create stickiness with customers that big national banks can struggle to match. The specialty in non‑prime auto and other consumer lending offers a profitable niche with fewer direct competitors, but also exposes the bank to higher credit risk if economic conditions weaken. Overall, its mix of community focus and specialized lending gives it a distinct position among regional peers, but one that requires disciplined risk management.

Innovation and R&D

Innovation and R&D The company is more of a steady adopter of proven technologies than a disruptor. It offers a full digital banking suite, a streamlined online mortgage process with hybrid e‑closings, and relies on established tech partners for its core systems. Innovation is focused on convenience, efficiency, and risk control rather than flashy new products. Looking ahead, management appears interested in further digital enhancements, potential use of data and automation, and refining its wealth management and lending platforms. The opportunity is to squeeze more efficiency and customer loyalty out of these investments, even if the tech itself is broadly similar to what other community banks are using.

Summary

C&F Financial comes across as a stable, community‑anchored regional bank with a diversified model and consistent profitability. Revenue has grown at a measured pace, earnings remain positive but have eased from peak levels, and the balance sheet shows disciplined growth with a solid capital base. Its competitive edge lies in local relationships and a distinctive consumer finance niche, balanced by the need to carefully manage higher‑risk lending. On the innovation front, the bank is keeping up with industry standards and selectively enhancing its digital offerings, focusing on practicality rather than cutting‑edge experimentation. Overall, it looks like a conservatively run institution navigating a more demanding rate and credit environment while leaning on its diversified segments and community roots.

NEWS

November 19, 2025 · 12:00 PM UTC

C&F Financial Corporation Announces Quarterly Dividend

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October 23, 2025 · 1:00 PM UTC

C&F Financial Corporation Announces Net Income for Third Quarter and First Nine Months

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