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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.

Last Updated: October 21, 2026

CFFI

$105.70

+$1.28 (+1.23%)

Oct 21, 2026 · Market close

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Price History

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CFFI Key Statistics

As of Oct 21, 2026
Trading
Open
$104.10
Previous Close
$104.42
Day's Range
103.25–106.03
52-Week Range
66.48–105.38
Volume
59.88K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
0.34
Valuation
Market Cap
$338.60M
P/E Ratio
11.62
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
10.42
PEG RatioThe P/E ratio divided by the expected earnings growth rate. It puts a high P/E in the context of how fast profits are growing.
−31.32
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
2.48
EPS (ttm)Profit attributable to each share over the last twelve months.
8.96
Financials (FY)
Revenue (FY)
$136.96M+10.73%
Net Income (FY)
$26.84M+35.30%
Profit marginThe share of revenue left as profit after all costs and taxes.
21.34%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
3.25M
1-Year Return
+55.38%
Dividend and dates
Dividend
$1.92+1.86%
Ex-Dividend Date
September 15, 2026
Earnings Date
October 26, 2026estimated
Avg Volume
51.31K

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

Key facts

As of October 21, 2026, CFFI closed at $105.70, +55.38% over 1 year.

C&F Financial Corporation (CFFI) has a market capitalization of $338.60M.

In fiscal 2025, CFFI reported revenue of $136.96M.

CFFI Stock Return by Calendar Year

C&F Financial Corporation (CFFI) 10-year return: what $10,000 became

1 year
$10,000 $15,538
+55.38%
5 years
$10,000 $23,170
+131.70%
10 years
$10,000 $33,519
+235.19%

If you had invested $10,000 in C&F Financial Corporation (CFFI) 10 years ago, at the close on October 21, 2016, it would have been worth $33,519 at the close on October 21, 2026: +235.19% in total, +12.86% a year, with dividends reinvested. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

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

YearReturn
2026 (partial year)+47.52%
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 October 21, 2026.

CFFI Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$136.96M$26.84M19.6%
2024$123.69M$19.83M16.0%
2023$123.33M$23.60M19.1%
2022$115.56M$29.16M25.2%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$136.96M——$26.84M19.6%
2024$123.69M——$19.83M16.0%
2023$123.33M——$23.60M19.1%
2022$115.56M——$29.16M25.2%
2021$131.62M————

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

CFFI Dividend History

$1.84+4.5% vs 2024

Dividends per share, 2025 · 4 payments

YearDividends per sharePaymentsChange
2026*$1.443—
2025$1.844+4.5%
2024$1.764+0.0%
2023$1.764+7.3%
YearDividends per sharePaymentsChange
2026 (partial year)$1.443—
2025$1.844+4.5%
2024$1.764+0.0%
2023$1.764+7.3%
2022$1.644+3.8%
2021$1.584+3.9%
2020$1.524+2.0%
2019$1.494+5.7%
2018$1.414+6.0%
2017$1.334+303.0%
2016$0.331—

Most recent payment: $0.48 per share, ex-dividend September 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 326 stocks
MetricCFFIBanks - Regional medianvs median
P/E11.6212.033% below
P/S ratio2.483.5831% below
Profit margin21.34%29.44%8.1 pts below

Medians across 326 Banks - Regional stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

C&F Financial Corporation (CFFI) carries a market capitalisation of $338.60M. 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 $66.48 to $105.38. CFFI last closed at $105.70 on October 21, 2026. That is +$1.28 (+1.23%) against the previous close. The latest close sits 59% 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 8.1 percentage points below the Banks - Regional median of 29.44%. Trailing earnings per share are 8.96.

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 11.62. That is 3.41% below the Banks - Regional median of 12.03. The forward P/E on file is 10.42. The PEG ratio, which sets the P/E against expected earnings growth, reads −31.32. The price-to-sales ratio is 2.48. On price-to-sales that is 30.59% below the Banks - Regional median of 3.58. 326 Banks - Regional companies report these metrics, and the medians quoted come from that group.

The trailing one-year total return is +55.38%. Measured over 10 years, that is +12.86% a year compounded. The reported beta is 0.34. Daily returns over the trailing 10 years annualize to a volatility of 37.52%.

Growth & Income

The trailing dividend yield is 1.86%. That is 0.8 percentage points below the Banks - Regional median yield of 2.68%. 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 3 payments totalling $1.44 a share. The year before, 2025, totalled $1.84 a share.

2026 is still running; the total return is +47.52% 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 $338.60M 11.6
Mizuho Financial Group, Inc. MFG $120.84B 13.7
HDFC Bank Limited HDB $116.51B 14.6
Itaú Unibanco Holding S.A. ITUB $106.91B 12.4

The Banks - Regional industry average P/E ratio is 12.0x. C&F Financial Corporation trades at a P/E of 11.6.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 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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