C&F Financial Corporation (CFFI) Stock

C&F Financial Corporation (CFFI) is a Financials stock trading at $86.79 (as of 2026-08-21), with a market capitalization of $282.21M and a trailing P/E of 9.7. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

C&F Financial Corporation is a bank holding company for Citizens and Farmers Bank, providing banking services to individuals and businesses through its retail banking activities and mortgage lending. Its services include deposit accounts, loans, electronic and card services, safe deposit box rentals, and other customary banking functions, with delivery through its office and multiple Virginia branches.

Understand C&F Financial Corporation: how it makes money

C&F Financial Corporation is a bank holding company operating Citizens and Farmers Bank, providing deposit and lending products (including mortgages, home equity, and installment loans) and related services like ATMs, internet and mobile banking, and debit and credit cards, and it earns money through its banking activities tied to these loans, deposits, and mortgage loan originations.

Bank earnings are structurally driven by loan originations and ongoing credit performance, because mortgage and loan activity produces net revenue while credit costs and related allowances determine how much of that revenue is absorbed by credit losses.

Revenue by segment (latest quarter)
Mortgage$0.0B
Community$0.0B
ConsumerFin$0.0B

Business quality (Solid): Good business description, but the provided total revenue is 0.0B and segment revenue components do not reconcile cleanly, so segment-level interpretation should be treated as directional.

Valuation: At 9× earnings, CFFI trades 29% below the Banking average (13×). Note: one-time items can distort reported P/E.

Bull case

  • Mortgage activity is present: Mortgage Banking Segment Loan Originations are 0.18B, including 0.14B home purchase originations and 0.04B refinancing originations.
  • Measured credit stress appears limited by nonaccruals: Community Banking Segment Nonaccrual Loans are 0.0B in the latest quarter shown.

Bear case

  • Credit costs can pressure results: Net Charge-Off Rate is 4.9 percent and the Allowance for Credit Losses Ratio is 10.41 percent, both indicating credit losses and the need for reserves.
  • Funding risk can rise when deposits are uninsured: Uninsured Deposits are 0.61B, which can be a risk if depositors become less stable during stress (all else equal).
Valuation — source: SEC EDGAR (first-party)
Price$86.79
Market Cap$282.21M
P/E Ratio9.7
EV / EBITDA5.5
Price / Book1.01
Price / Sales1.89
FCF Yield13.7%
DCF Value (model)$153.26
DCF Upside vs Price76.6%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$140.84M
Net Margin19.1%
Revenue Growth (YoY)12.4%
EPS Growth (YoY)11.0%
FCF Growth (YoY)-549.9%
Valuation vs Sector & Industry
Stock P/E9.7
Sector P/E (Financials)15.1
Industry P/E (Banking)13.0
vs Sector-35.7%
vs Industry-25.2%
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderDIMENSIONAL FUND ADVISORS LP ($13.39M)
Institutional Holders Tracked10
Company
SectorFinancials
IndustryBanking
CEOThomas F. Cherry
Employees545
CountryUS
IPO Date1998-05-07

Related Companies (Business model: Universal / Commercial Bank; 8 closest by market cap; US-domiciled)

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  • Oak Valley Bancorp (OVLY)
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  • First National Corporation (FXNC)
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CFFI earnings history · CFFI institutional & insider holders · CFFI KPIs & operating metrics · CFFI financials · CFFI investor presentations & press releases · CFFI SEC filings · CFFI peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.