C & F FINANCIAL CORP

CFFI

C & F FINANCIAL CORP

CFFI

Insider Sentiment (TTM):

Last Purchase:2024-04-30Last Sale:2026-06-12Shares Purchased (TTM):0Shares Sold (TTM):3,366

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:1,280,111Shares Outstanding:3,248,129Institutional Ownership Pct.:39.41%

Earnings Market Reaction:

Filing Date:2026-08-10Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Assets
Cash And Due From Banks	19	15	14	15	18	13	16	17	16	16	16	17
Interest Bearing Deposits In Banks	43	62	66	81	62	62	49	33	28	39	59	53
Cash And Cash Equivalents At Carrying Value	62	77	79	96	80	76	66	49	45	55	75	71
Debt Securities Available For Sale Excluding Accru…	458	471	458	439	435	432	419	409	405	430	462	461
Loans Receivable Held For Sale Net Not Part Of Dis…	44	56	41	33	45	27	20	45	34	23	14	25
Financing Receivable Excluding Accrued Interest Af…	-	2,035	2,015	1,969	1,952	1,903	1,880	1,869	1,825	1,777	1,702	1,677
Property Plant And Equipment Net	40	39	39	39	39	40	40	42	41	42	42	42
Other Real Estate	-	-	1	1	1	1	1	0	-	-	0	-
Interest Receivable	12	12	12	11	11	11	11	10	11	11	10	10
Goodwill	25	25	25	25	25	25	25	25	25	25	25	25
Finite Lived Intangible Assets Net	1	1	1	1	1	1	1	1	1	1	1	1
Bank Owned Life Insurance	22	22	22	22	21	21	21	22	22	22	21	21
Deferred Income Tax Assets Net	13	14	14	15	17	17	18	17	19	19	19	23
Other Assets	55	58	58	56	55	55	58	57	62	61	62	59
Assets	2,810	2,814	2,768	2,711	2,686	2,613	2,563	2,551	2,492	2,470	2,438	2,422
Liabilities
Deposits
Noninterest Bearing Deposit Liabilities Domestic	561	568	544	558	556	580	526	542	534	535	549	574
Interest Bearing Deposit Liabilities Domestic	885	908	906	870	858	809	826	783	789	817	844	857
Time Deposits	920	923	896	870	843	828	818	811	784	736	673	597
Deposits	2,365	2,399	2,346	2,298	2,256	2,217	2,171	2,136	2,106	2,088	2,066	2,028
Short Term Borrowings	-	20	20	20	43	36	29	49	25	28	58	96
Junior Subordinated Debenture Owed To Unconsolidat…	26	26	25	25	25	25	25	25	25	25	25	25
Interest Payable Current And Noncurrent	4	5	4	5	4	4	4	4	5	5	3	3
Other Liabilities	44	40	43	41	39	37	39	41	43	39	42	43
Liabilities	2,532	2,548	2,506	2,457	2,445	2,377	2,336	2,323	2,273	2,253	2,221	2,221
Stockholders Equity Inclu…
Common Stock Value	3	3	3	3	3	3	3	3	3	3	3	3
Additional Paid In Capital	1	1	1	1	1	0	0	0	3	6	7	7
Retained Earnings Accumulated Deficit	281	274	269	263	258	252	248	243	239	236	234	230
Accumulated Other Comprehensive Income Loss Net Of…	-7	-13	-11	-14	-21	-20	-25	-19	-27	-29	-27	-41
Stockholders Equity	278	266	262	254	240	235	226	228	219	217	218	200
Minority Interest	1	1	1	1	1	1	1	1	1	1	1	1
Liabilities And Stockholders Equity	2,810	2,814	2,768	2,711	2,686	2,613	2,563	2,551	2,492	2,470	2,438	2,422
Debt Securities Available For Sale Amortized Cost …	-	-	-	-	-	-	-	-	-	-	-	511
Debt Securities Available For Sale Amortized Cost …	467	485	471	455	460	456	449	431	437	465	494	-
Financing Receivable Allowance For Credit Loss Exc…	-	40	40	39	40	40	40	41	40	40	40	40
Real Estate Owned Valuation Allowance	0	0	0	0	0	0	0	-	-	-	0	-
Common Stock Par Or Stated Value Per Share	1	1	1	1	1	1	1	1	1	1	1	1
Common Stock Shares Authorized	8	8	8	8	8	8	8	8	8	8	8	8
Common Stock Shares Issued	3	3	3	3	3	3	3	3	3	3	3	3
Shares Outstanding	3	3	3	3	3	3	3	3	3	3	3	3
Share Based Compensation Arrangement By Share Base…	0	0	0	0	0	0	0	0	0	0	0	0

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Earnings Market Reaction

10‑Q10‑K

Fiscal Year	Q1 1 Month	Q1 2 Month	Q1 3 Month	Q2 1 Month	Q2 2 Month	Q2 3 Month	Q3 1 Month	Q3 2 Month	Q3 3 Month	Q4 1 Month	Q4 2 Month	Q4 3 Month
2026	2.11%	13.45%	13.30%	-	-	-	-	-	-	-	-	-
2025	4.03%	-2.26%	5.23%	8.66%	3.77%	4.94%	1.68%	4.90%	4.45%	-1.01%	3.98%	-0.63%
2024	4.82%	16.09%	39.64%	6.02%	10.13%	9.84%	14.26%	15.23%	16.70%	-9.54%	-23.93%	-15.00%
2023	-	-	-	-	-	-	8.14%	26.43%	7.48%	-9.20%	-30.79%	-16.95%
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Performance and Valuation Metrics

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Metrics	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30	2024-03-31	2023-12-31	2023-09-30
Leverage & Debt
Interest Coverage TTM	-0.68	-0.68	-0.69	-0.69	-0.70	-0.73	-0.48	-0.11	0.51	1.79	2.10	2.75
Per Share Metrics
Free Cash Flow Per Share TTM	11.86	3.49	6.83	16.69	9.17	11.07	10.29	5.09	12.25	11.32	11.07	12.23
Dividend Per Share TTM	1.88	1.85	1.83	1.82	1.80	1.79	1.79	1.81	1.79	1.77	1.77	1.77
Margin Metrics
Gross Profit Margin TTM	70.74%	70.42%	70.11%	69.84%	69.40%	69.03%	69.33%	67.33%	69.44%	71.79%	75.21%	83.03%
Operating Profit Margin TTM	22.93%	22.56%	21.83%	21.67%	20.59%	18.66%	17.29%	17.04%	17.94%	19.77%	23.49%	29.74%
Net Profit Margin TTM	18.46%	18.24%	17.71%	17.61%	16.77%	15.26%	14.21%	13.94%	14.69%	16.12%	19.01%	24.10%
Growth Metrics
Net Revenue Growth (1Y)	7.97%	8.25%	8.53%	9.64%	11.33%	12.02%	12.45%	12.84%	14.24%	17.63%	22.48%	24.97%
Net Income Growth (1Y)	18.79%	29.42%	35.30%	38.54%	27.10%	6.02%	-15.97%	-34.72%	-35.14%	-31.86%	-19.63%	16.35%
EPS Growth (1Y)	18.34%	28.92%	34.79%	38.40%	29.29%	10.33%	-12.32%	-31.79%	-32.98%	-30.31%	-17.19%	20.19%
Valuation Metrics
P/E TTM	8.94	8.34	8.67	8.15	7.96	9.68	11.17	9.55	7.82	7.54	9.08	5.79
P/B TTM	0.94	0.88	0.89	0.84	0.81	0.90	0.98	0.79	0.69	0.71	0.99	0.84
P/S TTM	1.65	1.52	1.54	1.44	1.33	1.48	1.59	1.33	1.15	1.22	1.73	1.40
Market Cap	260.02M	235.45M	232.58M	213.41M	194.78M	210.99M	221.49M	180.43M	150.61M	155.04M	214.31M	167.60M
Enterprise Value	197.91M	178.02M	173.45M	137.32M	157.23M	170.94M	184.90M	179.88M	130.99M	127.64M	197.38M	192.75M
Calculated Values
Free Cash Flow TTM	38.56M	11.32M	22.16M	54.03M	29.70M	35.81M	33.28M	16.47M	40.34M	38.11M	37.35M	41.32M
Net Debt	-62.11M	-57.43M	-59.13M	-76.09M	-37.55M	-40.05M	-36.59M	-550.00K	-19.62M	-27.40M	-16.94M	25.15M
Per-Share and Margin
EPS TTM
Adjusted EPS TTM
Cash Flow Per Share TTM
Pretax Margin TTM
Stock Comp to Revenue TTM
Turnover Ratios and Averages
Average Assets
Average Equity
Average Inventory
Average Receivables
Average Accounts Payables
Inventory Turnover TTM
Payables Turnover TTM
Days Inventory Outstanding TTM
Days Payables Outstanding TTM
Cash Conversion Cycle TTM
Working Capital to Revenue
Deferred Revenue to Revenue
Growth Rates
Total Assets Growth (1Y)
Total Assets Growth (3Y)
Total Assets Growth (5Y)
Dividends Paid Growth (1Y)
Dividends Paid Growth (3Y)
Dividends Paid Growth (5Y)
EPS Growth (3Y)
EPS Growth (5Y)
Net Income Growth (3Y)
Net Income Growth (5Y)
Net Profit Margin Growth (1Y)
Net Profit Margin Growth (3Y)
Net Profit Margin Growth (5Y)
Net Revenue Growth (3Y)
Net Revenue Growth (5Y)
Deferred Revenue Growth (1Y)
Retained Earnings Growth (1Y)
Credit, Liquidity, Returns, Payout
Cash Ratio
Net Working Capital
Debt to EBITDA TTM
Net Debt to EBITDA TTM
Net Debt to Equity
Altman A
Altman B
Altman C
Altman D
Altman E
Altman Z-Score
ROA TTM
ROE TTM
NOPAT TTM
ROIC TTM
Effective Tax Rate TTM
Payout Ratio TTM
Dilution Ratio
Retained Earnings to Equity
Treasury Stock to Equity
Treasury Stock Change (1Y)
Accrued to Current Liabilities
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-06-12Sale

Owner: Cherry, Thomas F

Title: PRESIDENT & CEO

Shares: 141

Price/Share: $77.50

Value: $10,927.50

Shares Owned: 39,369

Relationship: Director,Officer

Ownership: Direct

2026-06-10Sale

Owner: Cherry, Thomas F

Title: PRESIDENT & CEO

Shares: 329

Price/Share: $78.50

Value: $25,826.50

Shares Owned: 39,540

Relationship: Director,Officer

Ownership: Direct

2026-06-05Sale

Owner: Long, Jason E

Title: EVP, CHIEF FINANCIAL OFFICER

Shares: 1,360

Price/Share: $75.50

Value: $102,680.00

Shares Owned: 10,083

Relationship: Officer

Ownership: Direct

2026-05-27Sale

Owner: Cherry, Thomas F

Title: PRESIDENT & CEO

Shares: 500

Price/Share: $75.00

Value: $37,500.00

Shares Owned: 40,369

Relationship: Director,Officer

Ownership: Direct

2026-05-13Sale

Owner: Kelley, Elizabeth R

Title: -

Shares: 1,025

Price/Share: $73.00

Value: $74,825.00

Shares Owned: 4,022

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-06-12	Cherry, Thomas F	Director,Officer	PRESIDENT & CEO	Direct	Sale	141	77.50	$10,927.50	39,369	4
2026-06-10	Cherry, Thomas F	Director,Officer	PRESIDENT & CEO	Direct	Sale	329	78.50	$25,826.50	39,540	4
2026-06-05	Long, Jason E	Officer	EVP, CHIEF FINANCIAL OFFICER	Direct	Sale	1,360	75.50	$102,680.00	10,083	4
2026-05-27	Cherry, Thomas F	Director,Officer	PRESIDENT & CEO	Direct	Sale	500	75.00	$37,500.00	40,369	4
2026-05-13	Kelley, Elizabeth R	Director	-	Direct	Sale	1,025	73.00	$74,825.00	4,022	4
2026-02-26	Cherry, Thomas F	Director,Officer	PRESIDENT & CEO	Direct	Sale	11	78.25	$860.75	42,741	4
2025-08-22	Cherry, Thomas F	Director,Officer	PRESIDENT & CEO	Direct	Sale	1,205	71.00	$85,555.00	38,402	4
2025-05-29	Peay, D Anthony	Director	-	Direct	Sale	136	66.94	$9,103.84	1,825	4
2025-05-20	Peay, D Anthony	Director	-	Direct	Sale	103	66.86	$6,886.58	1,961	4
2025-05-19	Peay, D Anthony	Director	-	Direct	Sale	254	68.04	$17,282.16	2,064	4
2025-05-15	Peay, D Anthony	Director	-	Direct	Sale	31	67.96	$2,106.76	2,318	4
2025-03-05	Cherry, Thomas F	Director,Officer	PRESIDENT & CEO	Direct	Sale	121	74.00	$8,954.00	39,607	4
2025-03-03	Fox, Mark A	Officer	PRESIDENT & CEO C&F MORTGAGE	Direct	Sale	1,032	81.00	$83,592.00	11,005	4
2024-12-09	Cherry, Thomas F	Director,Officer	PRESIDENT & CEO	Direct	Sale	731	78.00	$57,018.00	38,328	4
2024-12-09	Robinson, Paul C	Director	-	Direct	Sale	100	77.30	$7,730.00	18,067	4
2024-12-02	Mckernon, Bryan Edwin	Officer	PRESIDENT & CEO C&F MORTGAGE	Direct	Sale	1,262	76.00	$95,912.00	13,245	4
2024-11-27	Mckernon, Bryan Edwin	Officer	PRESIDENT & CEO C&F MORTGAGE	Direct	Sale	1,238	76.00	$94,088.00	14,507	4
2024-11-27	Crone, S Dustin	Officer	PRESIDENT & CEO C&F FINANCE	Direct	Sale	1,400	72.71	$101,794.00	8,437	4
2024-11-26	Long, Jason E	Officer,Other	EVP, CHIEF FINANCIAL OFFICER	Direct	Sale	600	78.71	$47,226.00	9,600	4
2024-11-22	Seaman, John A Iii	Officer	EVP, CHIEF CREDIT OFFICER	Direct	Sale	2,500	74.05	$185,125.00	4,494	4
2024-11-06	Cherry, Thomas F	Director,Officer	PRESIDENT & CEO	Direct	Sale	2,000	70.00	$140,000.00	39,059	4
2024-07-30	Olsson, Charles Elis	Director	-	Indirect	Sale	500	57.01	$28,505.00	0	4
2024-04-30	Sisson, George R Iii	Director	-	Direct	Purchase	1,000	39.47	$39,470.00	5,635	4
2024-04-26	Robinson, Paul C	Director	-	Direct	Purchase	1,000	39.11	$39,110.00	18,367	4
2024-04-24	Long, Jason E	Officer,Other	EVP, CHIEF FINANCIAL OFFICER	Direct	Purchase	500	38.47	$19,235.00	10,200	4
2024-02-29	Peay, D Anthony	Director	-	Direct	Sale	455	51.78	$23,559.90	1,800	4
2023-12-13	Seaman, John A Iii	Officer	EVP, CHIEF CREDIT OFFICER	Direct	Sale	500	63.22	$31,610.00	6,941	4
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Institutional Ownership

No data available for chart

2026-03-31

39.41%

Inst. Shares: 1,280,111

Shares Outstanding: 3,248,129

2025-12-31

39.55%

Inst. Shares: 1,283,846

Shares Outstanding: 3,245,972

2025-09-30

39.78%

Inst. Shares: 1,287,924

Shares Outstanding: 3,237,634

2025-06-30

40.38%

Inst. Shares: 1,307,434

Shares Outstanding: 3,238,085

2025-03-31

36.72%

Inst. Shares: 1,188,275

Shares Outstanding: 3,235,781

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	1,280,111	3,248,129	39.41%
2025-12-31	1,283,846	3,245,972	39.55%
2025-09-30	1,287,924	3,237,634	39.78%
2025-06-30	1,307,434	3,238,085	40.38%
2025-03-31	1,188,275	3,235,781	36.72%
2024-12-31	1,184,172	3,233,672	36.62%
2024-09-30	1,014,102	3,234,363	31.35%
2024-06-30	1,043,618	3,293,909	31.68%
2024-03-31	1,117,146	3,367,619	33.17%
2023-12-31	1,129,542	3,374,098	33.48%
2023-09-30	1,144,214	3,379,619	33.86%
2023-06-30	1,131,859	3,403,838	33.25%
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C & F FINANCIAL CORP (CFFI) — SEC Financial Statements & Analysis

C & F FINANCIAL CORP (CFFI) is a state commercial banks company, incorporated in VA. C & F FINANCIAL CORP trades on Nasdaq as: CFFI. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), C & F FINANCIAL CORP reported a 7.97% year-over-year revenue growth, a Gross Profit Margin of 70.74% (TTM), a Price-to-Sales (P/S) ratio of 1.65x (TTM), a Price-to-Book (P/B) ratio of 0.94x (TTM), at a market cap of $260.02M. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 7.97%
Gross Profit Margin TTM: 70.74%
P/S TTM: 1.65x
P/B TTM: 0.94x
Market Cap: $260.02M

Data as of 2026-06-30 · Source: SEC EDGAR

Frequently Asked Questions

What industry is C & F FINANCIAL CORP in?

C & F FINANCIAL CORP (CFFI) operates in the State Commercial Banks industry.

What is CFFI's market cap?

C & F FINANCIAL CORP (CFFI) has a market capitalization of $260.02M as of 2026-06-30.

What is CFFI's P/E ratio?

C & F FINANCIAL CORP (CFFI)'s trailing twelve month P/E ratio is 8.94x as of 2026-06-30.

What exchange does CFFI trade on?

C & F FINANCIAL CORP (CFFI) trades on the Nasdaq.

Where is C & F FINANCIAL CORP incorporated?

C & F FINANCIAL CORP is incorporated in VA.