C & F Financial Corp
CFFI Nasdaq· State Commercial Banks
Last close · Oct 23, 2026
$107.33
KIRA · Stoqly’s AI analyst, in plain words
- C & F Financial Corp had $141M of revenue in fiscal 2025, up 10.6% on the year before. Over five years, revenue changed +0.4% a year on average.
- C & F Financial Corp made $26.8M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 8.8% a year.
- C & F Financial Corp returned $6.9M to shareholders in fiscal 2025, 31% of free cash flow. The diluted share count fell 1.9%.
- It earned 11.0% on shareholders’ money. Running costs took 68.3% of revenue (the efficiency ratio; lower is better).
Market cap
$349M
P/E
12.0x
Revenue
$141M
Net income
$26.8M
Return on equity
11.0%
Efficiency ratio
68.3%
C & F Financial Corp in 30 seconds · fiscal 2025
Are sales growing?
+10.6%
Yes. Sales grew 10.6% last year.
Does it make a profit?
19.1%
Yes. It keeps 19.1% of every sale as profit.
How lean are its costs?
68.3%
Costly. Running costs take 68.3% of revenue.
How much does it earn on its capital?
11.0%
Fair. It earns 11.0% a year on shareholders’ money.
How is the share priced?
12.0x
One share costs 12.0 times its yearly profit per share.
What C & F Financial Corp does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Mar 3, 2026
- Legal name
- C & F FINANCIAL CORP
- CIK
- 0000913341
C & F Financial Corp · CFFI
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $135M | $123M | $127M | $127M | $141M |
| Revenue growth | −2.1% | −9.3% | 3.8% | −0.0% | 10.6% |
| Net interest income | $85.4M | $93.5M | $97.7M | $96.8M | $106M |
| Net income | $28.7M | $29.2M | $23.6M | $19.8M | $26.8M |
| Net margin | 21.2% | 23.8% | 18.5% | 15.6% | 19.1% |
| Diluted EPS | $7.95 | $8.29 | $6.92 | $6.01 | $8.29 |
| Cash | |||||
| Cash from operations | $157M | $90.6M | $38.8M | $36.8M | $24.5M |
| Capital expenditure | $4.8M | $3.4M | $1.5M | $3.5M | $2.3M |
| Free cash flow | $153M | $87.2M | $37.4M | $33.3M | $22.2M |
| FCF margin | 112.9% | 71.1% | 29.3% | 26.1% | 15.7% |
| Dividends paid | $5.7M | $5.8M | $6.0M | $5.8M | $6.0M |
| Share buybacks | $8.2M | $5.4M | $7.8M | $8.8M | $0.9M |
| Share count change | −1.2% | −2.4% | −3.0% | −3.3% | −1.9% |
| Debt and strength | |||||
| Cash and short-term investments | $268M | $26.7M | $75.2M | $65.6M | $79.1M |
| Debt incl. finance leases | $41.1M | $42.7M | $64.1M | $37.2M | $27.8M |
| Loans, net | $1.4B | $1.6B | $1.7B | $1.9B | $2.0B |
| Deposits | $1.9B | $2.0B | $2.1B | $2.2B | $2.3B |
| Shareholders' equity | $210M | $196M | $217M | $226M | $262M |
| Returns and quality | |||||
| Return on equity | 14.2% | 14.4% | 11.4% | 8.9% | 11.0% |
| Return on tangible equity | 15.7% | 17.3% | 12.4% | 9.9% | 11.4% |
| Efficiency ratio | 71.4% | 67.3% | 70.6% | 70.6% | 68.3% |
| Piotroski F-score | 5 | 4 | 4 | 5 | 6 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.7M
7 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
C & F Financial Corp · CFFI
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $107.33 a share, the company is worth $349M: 12.0 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000913341). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.