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C&F Financial Corp (CFFI) — Analysis Summary

C&F Financial Corp (CFFI) has a market cap of $335.93M with year-over-year revenue growth of +10.6%. Net margin stands at 19.1%. The stock trades at a P/E ratio of 11.5.

Key Takeaways

  • Revenue changed +10.6% year-over-year
  • Net margin of 19.1%
  • P/E ratio of 11.5

Compared to other companies in the STATE COMMERCIAL BANKS sector, CFFI posted revenue growth of +10.6% and trades at a P/E of 11.5.

[XNAS]

C&F Financial Corp (CFFI)

$103.31

PREVIOUS CLOSE 2026-10-12 · MARKET DATA POLYGON · FINANCIALS SEC EDGAR

Market Cap
$335.93M
Enterprise Value
$316.56M
P/E Ratio
11.5
Div Yield
1.86%
EV/EBITDA
4.9
Company Profile
About
About C&F Financial Corp

C&F Financial Corp is an American bank holding company. The company through its subsidiaries offers banking and related financial services to both individuals and businesses. It operates in three business activities: Community Banking, Mortgage Banking, and Consumer Finance. It mainly provides a range of lending activities, which include residential mortgage loans, commercial real estate loans, non-prime automobile lending, land acquisition, and development loans, and consumer loans. The company generates maximum of its revenue from the Community Banking segment.

Sector

STATE COMMERCIAL BANKS

Employees

575

Headquarters

TOANO, VA

Exchange

XNAS

Website
Source: Polygon.io
Score
Competitive Moat
Competitive Moat
43
Narrow Moat

Systematic competitive advantage assessment based on 4yr data

This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.

Market Signals
Valuation
Earnings
Insider Activity
Insider Filing Activity

First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.

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Superinvestors
Financial Health
Financial Health

Capital Structure

Total Equity$278.39M
Total Debt$0.00M
Debt-to-Equity0.00
Cash & Equivalents$19.37M

Cash Flow

Operating Cash Flow$42.79M
Free Cash Flow$38.56M
FCF Margin25.88%
P/FCF Ratio8.71
Source: Polygon.io · SEC EDGAR
Dividends
Dividends

Annual Dividend/Share

$1.92

Dividend Yield

1.86%

Quarterly
Last Ex-Date: 2026-09-15

Dividend History

2026-09-15
CD$0.4800
2026-06-15
CD$0.4800
2026-03-13
CD$0.4800
2025-12-15
CD$0.4600
Source: Polygon.io
Recent News
Recent News

Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.