NASDAQ · Banks - Regional · USD

C&F Financial Corporation (CFFI) Stock Analysis

C&F Financial Corporation (CFFI) is a Banks - Regional stock listed on NASDAQ and quoted in US Dollar.

CFFI

$94.89

+$0.26 (+0.27%)

Sep 4, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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CFFI Key Statistics

As of Sep 4, 2026

Trading

Open: $93.90
Previous Close: $94.63
Day's Range: 93.12–95.99
52-Week Range: 64.71–96.00
Volume: 36.00K
Beta: 0.35

Valuation

Market Cap: $308.55M
P/E Ratio: 10.58
PEG Ratio: −31.32
P/S ratio: 2.26
EPS (ttm): 8.97

Financials (FY)

Revenue (FY): $136.96M+10.73%
Net Income (FY): $26.84M+35.30%
Profit margin: 21.34%
Shares Outstanding: 3.25M
1-Year Return: +35.25%

Dividend and dates

Dividend: $1.92+2.03%
Ex-Dividend Date: September 15, 2026
Earnings Date: October 22, 2026estimated
Avg Volume: 27.44K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

CFFI Stock Return by Calendar Year

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

−29.88%+42.26%+32.43%

2016*2017201820192020202120222023202420252026*

Year	Return
2026 (partial year)	+32.43%
2025	+4.61%
2024	+7.84%
2023	+20.69%
2022	+17.47%
2021	+42.26%
2020	−29.88%
2019	+7.02%
2018	−5.85%
2017	+19.46%
2016 (partial year)	+15.01%

As of September 4, 2026.

CFFI Revenue and Earnings by Fiscal Year

FY ends December

RevenueNet income

20212022202320242025

Fiscal year	Revenue	Net income	Net margin
2025	$136.96M	$26.84M	19.6%
2024	$123.69M	$19.83M	16.0%
2023	$123.33M	$23.60M	19.1%
2022	$115.56M	$29.16M	25.2%

Fiscal year	Revenue	Gross profit	Operating income	Net income	Net margin
2025	$136.96M	—	—	$26.84M	19.6%
2024	$123.69M	—	—	$19.83M	16.0%
2023	$123.33M	—	—	$23.60M	19.1%
2022	$115.56M	—	—	$29.16M	25.2%
2021	$131.62M	—	—	—	—

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

CFFI Dividend History

’16’17’18’19’20’21’22’23’24’25’26*

$1.84+4.5% vs 2024

Dividends per share, 2025 · 4 payments

Year	Dividends per share	Payments	Change
2026*	$0.96	2	—
2025	$1.84	4	+4.5%
2024	$1.76	4	+0.0%
2023	$1.76	4	+7.3%

Year	Dividends per share	Payments	Change
2026 (partial year)	$0.96	2	—
2025	$1.84	4	+4.5%
2024	$1.76	4	+0.0%
2023	$1.76	4	+7.3%
2022	$1.64	4	+3.8%
2021	$1.58	4	+3.9%
2020	$1.52	4	+2.0%
2019	$1.49	4	+5.7%
2018	$1.41	4	+6.0%
2017	$1.33	4	+104.6%
2016	$0.65	2	—

Most recent payment: $0.48 per share, ex-dividend June 15, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

CFFI Valuation vs Banks - Regional Median

Median of 380 stocks

Metric	CFFI	Banks - Regional median	vs median
P/E	10.58	12.62	16% below
P/S ratio	2.26	3.77	40% below
Profit margin	21.34%	29.15%	7.8 pts below

Medians across 380 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Analysis

Data-derived

Company Overview

C&F Financial Corporation (CFFI) carries a market capitalisation of $308.55M. It is classified in the Banks - Regional industry, within the Financial Services sector. The company reports 575 employees.

Over the past 52 weeks the price has ranged from $64.71 to $96.00. CFFI last closed at $94.89 on September 4, 2026. That is +$0.26 (+0.27%) against the previous close. The latest close sits 46.64% above that 52-week low.

Financial Health

The most recent full year on file, fiscal 2025, shows revenue of $136.96M. That is +10.73% against the prior fiscal year, when revenue was $123.69M. Net income for the same year was $26.84M. That is +35.30% against the prior fiscal year. The reported profit margin is 21.34%. That is 7.8 percentage points below the Banks - Regional median of 29.15%. Trailing earnings per share are 8.97.

Across the 5 fiscal years on file, revenue moves from $131.62M in 2021 to $136.96M in 2025. Of those 5 years, 4 report positive net income.

Valuation Assessment

The trailing P/E ratio stands at 10.58. That is 16.16% below the Banks - Regional median of 12.62. The PEG ratio, which sets the P/E against expected earnings growth, reads −31.32. The price-to-sales ratio is 2.26. On price-to-sales that is 39.98% below the Banks - Regional median of 3.77. 380 Banks - Regional companies report these metrics, and the medians quoted come from that group.

The trailing one-year price return is +35.25%. Measured over 10 years, that is +11.65% a year compounded. The reported beta is 0.35. Daily returns over the trailing 10 years annualize to a volatility of 37.43%.

Growth & Income

The trailing dividend yield is 2.03%. That is 0.7 percentage points below the Banks - Regional median yield of 2.7%. The indicated annual rate is $1.92 a share. The ex-dividend date on file is September 15, 2026. Dividends are recorded for 11 calendar years; 2026 shows 2 payments totalling $0.96 a share. The year before, 2025, totalled $1.84 a share.

2026 is still running; the price is +32.43% year to date. The strongest complete calendar year on file is 2021 at +42.26%; the weakest is 2020 at −29.88%. Of the 9 complete calendar years on file, 7 finished higher.

Peer Comparison

C&F Financial Corporation (CFFI) operates in the Banks - Regional industry. Here is how it compares to its closest peers by market capitalization:

Company	Ticker	Market Cap	P/E Ratio
C&F Financial Corporation	CFFI	$308.55M	10.6
Mizuho Financial Group, Inc.	MFG	$135.92B	16.0
HDFC Bank Limited	HDB	$119.10B	16.0
ICICI Bank Limited	IBN	$108.74B	18.7

The Banks - Regional industry average P/E ratio is 12.6x. C&F Financial Corporation trades at a P/E of 10.6.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 2026.

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About C&F Financial Corporation

C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. It operates through three segments: Community Banking, Mortgage Banking, and Consumer Finance. The Community Banking segment offers various banking services, such as checking and savings deposit accounts; and business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet and mobile banking, peer-to-peer payment capabilities, debit cards, safe deposit box rentals, notary public, electronic transfer, and other customary bank services, as well as wealth management services; and engages in owning equity interests in an independent insurance agency, and a full-service title and settlement agency. The Mortgage Banking segment offers various residential mortgage loans, which are originated for sale to investors in the secondary mortgage market; originates conventional mortgage loans, mortgage loans insured by the Federal Housing Administration, and mortgage loans guaranteed by the United States Department of Agriculture and the Veterans Administration. This segment also provides mortgage loan origination functions as a service to third party mortgage lenders and other community banks; and ancillary mortgage loan production services to third parties for residential appraisals. The Consumer Finance segment offers automobile financing through lending programs to serve customers in both the prime and non-prime markets. C&F Financial Corporation was founded in 1927 and is based in Toano, Virginia.

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