C & F Financial CorpC & F Financial Corp
C & F Financial Corp

C & F Financial Corp

CFFI
Financials·Banks

C&F Financial Corp. is a bank holding company, which engages in the provision of banking services to individuals and businesses. It operates through the following segments: Community Banking, Mortgage Banking and Consumer Finance. The Community Banking segment provides checking and savings deposit accounts, business, real estate, development, mortgage, home equity, and installment loans. The Mortgage Banking segment offers ancillary mortgage loan origination services for loan settlement and residential appraisals. The Consumer Finance segment consists of automobile financing through lending programs that are designed to serve customers in the non-prime market who have limited access to traditional automobile financing. The company was founded on March 8, 1994 and is headquartered in Toano, VA.

Virginia; U.S.A
Market cap
No dataNo data
Revenue
$140.8M+10.6% YoY
Net income
$26.8M+35.3% YoY
Free cash flow
$22.2M−36.7% YoY

Market

Listed stock
CFFIPriceNasdaq
Loading…Loading…1Y

Financial performance

Revenue
$140.8M+10.6% YoY
Operating income
$49.1M+1.3% YoY
Net income
$26.8M+35.3% YoY
Free cash flow
$22.2M−36.7% YoY

Revenue, profit & cash trend

Revenue
Operating income
Net income
Free cash flow
Reference
Revenue: 2021 $134.5M, 2022 $121.9M, 2023 $127.3M, 2024 $127.3M, 2025 $140.8M. Operating income: 2021 $94.8M, 2022 $81.5M, 2023 $67.7M, 2024 $48.5M, 2025 $49.1M. Net income: 2021 $28.7M, 2022 $29.2M, 2023 $23.6M, 2024 $19.8M, 2025 $26.8M. Free cash flow: 2021 $152.6M, 2022 $87.2M, 2023 $37.4M, 2024 $35M, 2025 $22.2M. Reference line: Reference at $0.

Growth & profitability

Revenue growth
10.6%+1063 bps YoY
Gross margin
No dataNo data
Operating margin
No dataNo data
FCF margin
No dataNo data

Earnings power over time

Operating income
Net income
Free cash flow
Operating income: 2021-12-31 $94.8M, 2022-12-31 $81.5M, 2023-12-31 $67.7M, 2024-12-31 $48.5M, 2025-12-31 $49.1M. Net income: 2021-12-31 $28.7M, 2022-12-31 $29.2M, 2023-12-31 $23.6M, 2024-12-31 $19.8M, 2025-12-31 $26.8M. Free cash flow: 2021-12-31 $152.6M, 2022-12-31 $87.2M, 2023-12-31 $37.4M, 2024-12-31 $35M, 2025-12-31 $22.2M

Growth heatmap

2022202320242025CAGR
Revenue
-9.4%
+4.4%
-0.0%
+10.6%
+1.2%
Gross profit
-11.3%
+4.5%
-0.0%
+4.1%
-0.9%
Operating income
-14.0%
-17.0%
-28.3%
+1.3%
-15.1%
Free cash flow
-42.9%
-57.1%
-6.3%
-36.7%
-38.3%

Earnings quality

Operating cash flow
$24.5M−36.4% YoY
Net income
$26.8M+35.3% YoY
Free cash flow
$22.2M−36.7% YoY
Diluted EPS
No dataNo data

Cash conversion quality

Operating cash flow
Free cash flow
Net income = 100%
Operating cash flow: 2025-12-31 91%, 2024-12-31 194%, 2023-12-31 164%, 2022-12-31 311%, 2021-12-31 549%. Free cash flow: 2025-12-31 83%, 2024-12-31 176%, 2023-12-31 158%, 2022-12-31 299%, 2021-12-31 532%. Reference line: Net income = 100% at 100%.

Per-share economics

Diluted EPS
Latest
No data
FCF / share
Latest
No data
Diluted shares
Latest
No data

Financial flexibility

Cash & equivalents
No dataNo data
Total debt
No dataNo data
Net debt
No dataNo data
Current ratio
No dataNo data

Cash Coverage of Debt

Cash / Total debt
No data

Returns

Return on equity
No dataNo data
Return on assets
No dataNo data
Return on invested capital
No dataNo data
Asset turnover
No dataNo data

Return on capital

No data

Valuation

Price to earnings
No dataNo data
Price to sales
No dataNo data
EV / EBITDA
No dataNo data
Free cash flow yield
No dataNo data

Valuation vs its own 5Y history

Metric
Own five-year range
Current
Own 5Y median
Position in own range
Price to earnings
No data
No data
No data
No data
Price to sales
No data
No data
No data
No data
EV / EBITDA
No data
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Free cash flow yield
No data
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No data