C&F Financial (CFFI) Stock Price

C&F Financial Price

NASDAQ·CLOSED
80.06USD+0.78 (+0.98 %)
Market closed

Over the last 19 years C&F Financial grew revenue by 4.1% annually, reaching 186.13 M USD. Earnings per share have grown at 4.4% per year over the last 19 years. For C&F Financial, the net margin of 14.4% is down versus 20.1% a few years ago. At today's price the dividend yield works out to roughly 2.30%. The payout ratio is around 22% of earnings. The dividend has grown at 2.5% per year over the past 19 years. The stock trades about 27% above its 52-week low.

C&F Financial stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of C&F Financial over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how C&F Financial stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing C&F Financial's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

C&F Financial Stock Price History
DateC&F Financial Price
7/10/202680.06 USD
7/9/202679.28 USD
7/8/202680.50 USD
7/7/202680.00 USD
7/6/202680.79 USD
7/2/202682.70 USD
7/1/202683.89 USD
6/30/202680.00 USD
6/29/202683.31 USD
6/26/202686.18 USD
6/25/202679.74 USD
6/24/202681.45 USD
6/23/202679.12 USD
6/22/202677.13 USD
6/18/202678.36 USD
6/17/202676.15 USD
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6/4/202672.79 USD
6/3/202670.38 USD
6/2/202673.07 USD
6/1/202673.55 USD
5/29/202673.75 USD
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5/26/202674.03 USD
5/22/202672.17 USD
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5/20/202673.83 USD
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3/19/202670.59 USD
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1/30/202675.30 USD
1/29/202674.80 USD
1/28/202671.67 USD
1/27/202671.96 USD
1/26/202671.60 USD
1/23/202670.89 USD
1/22/202673.04 USD
1/21/202672.97 USD
1/20/202669.66 USD
1/16/202670.34 USD
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1/14/202670.44 USD
1/13/202668.87 USD
1/12/202669.50 USD
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1/2/202670.70 USD
12/31/202572.59 USD
12/30/202570.79 USD
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12/24/202572.60 USD
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12/19/202576.75 USD
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11/12/202569.80 USD
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10/31/202568.41 USD
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10/28/202568.93 USD
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10/22/202569.50 USD
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10/20/202569.39 USD
10/17/202568.35 USD
10/16/202567.01 USD
10/15/202569.00 USD
10/14/202568.30 USD
10/13/202567.09 USD
10/10/202565.43 USD
10/9/202567.14 USD
10/8/202566.34 USD
10/7/202565.18 USD
10/6/202566.53 USD
10/3/202567.65 USD
10/2/202566.21 USD
10/1/202566.14 USD
9/30/202567.20 USD
9/29/202566.96 USD
9/28/202566.96 USD
9/25/202568.60 USD
9/24/202568.73 USD
9/23/202569.09 USD
9/22/202568.57 USD
9/19/202571.92 USD
9/18/202571.79 USD
9/17/202569.17 USD
9/16/202569.46 USD
9/15/202570.70 USD
9/12/202570.12 USD
9/11/202570.35 USD
9/10/202570.46 USD
9/9/202571.30 USD
9/8/202570.98 USD
9/5/202571.30 USD
9/4/202572.00 USD
9/3/202570.77 USD
9/2/202570.86 USD
8/29/202571.07 USD
8/28/202571.16 USD
8/27/202571.70 USD
8/26/202571.24 USD
8/25/202570.22 USD
8/22/202571.40 USD
8/21/202567.32 USD
8/20/202568.04 USD
8/19/202568.06 USD
8/18/202567.46 USD
8/15/202568.59 USD
8/14/202569.64 USD
8/13/202569.35 USD
8/12/202568.23 USD
8/11/202565.62 USD
8/8/202564.00 USD
8/7/202563.94 USD
8/6/202563.57 USD
8/5/202564.51 USD
8/4/202565.63 USD
7/31/202563.31 USD
7/30/202563.85 USD
7/29/202564.00 USD
7/28/202564.69 USD
7/27/202566.06 USD
7/25/202566.83 USD
7/24/202568.54 USD
7/23/202569.18 USD
7/22/202567.94 USD
7/21/202567.54 USD
7/18/202567.32 USD
7/17/202566.16 USD
7/16/202564.95 USD
7/15/202563.16 USD
7/14/202564.94 USD
Access this data via the Eulerpool API

C&F Financial Revenue, EBIT, Net Income

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  • Max

Revenue
Net Income
Details
Date
Revenue
Net Income
Jan 1, 2018
118.90 M USD
18.00 M USD
Jan 1, 2019
127.00 M USD
18.90 M USD
Jan 1, 2020
152.30 M USD
22.10 M USD
Jan 1, 2021
142.90 M USD
28.70 M USD
Jan 1, 2022
129.90 M USD
29.20 M USD
Jan 1, 2023
153.75 M USD
23.60 M USD
Jan 1, 2024
170.13 M USD
19.83 M USD
Jan 1, 2025
186.13 M USD
26.84 M USD

C&F Financial Income Statement, Balance Sheet, Cash Flow Statement

Last updated Jul 12, 2026, 1:25 PM
 
REVENUEM USD
REVENUE GROWTH%
NET INCOMEM USD
NET INCOME GROWTH%
DIV.USD
DIV. GROWTH%
SHARESM
2010201120122013201420152016201720182019202020212022202320242025
99.0091.0097.00101.00105.00107.00115.00116.00118.00127.00152.00142.00129.00153.00170.00186.00
-1.98-8.086.594.123.961.907.480.871.727.6319.69-6.58-9.1518.6011.119.41
7.0011.0016.0014.0012.0012.0013.006.0018.0018.0022.0028.0029.0023.0019.0026.00
75.0057.1445.45-12.50-14.298.33-53.85200.0022.2227.273.57-20.69-17.3936.84
1.001.011.082.031.191.221.291.991.411.491.521.581.641.761.761.84
-5.661.006.9387.96-41.382.525.7454.26-29.155.672.013.953.807.324.55
3.103.203.303.403.403.403.503.503.503.503.603.603.503.413.303.24
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales C&F Financial generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue C&F Financial retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare C&F Financial's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares C&F Financial has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against C&F Financial's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

C&F Financial stock margins

The C&F Financial margin analysis displays the gross margin, EBIT margin, as well as the profit margin of C&F Financial. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for C&F Financial.
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Profit margin
Details
Date
Profit margin
Jan 1, 2018
15.14 %
Jan 1, 2019
14.88 %
Jan 1, 2020
14.51 %
Jan 1, 2021
20.08 %
Jan 1, 2022
22.48 %
Jan 1, 2023
15.35 %
Jan 1, 2024
11.66 %
Jan 1, 2025
14.42 %

C&F Financial Stock Revenue, EBIT, Earnings per Share

The C&F Financial earnings per share therefore indicates how much revenue C&F Financial has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 Years

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  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2018
33.97 USD
5.14 USD
Jan 1, 2019
36.29 USD
5.40 USD
Jan 1, 2020
42.31 USD
6.14 USD
Jan 1, 2021
39.69 USD
7.97 USD
Jan 1, 2022
37.11 USD
8.34 USD
Jan 1, 2023
45.06 USD
6.92 USD
Jan 1, 2024
51.56 USD
6.01 USD
Jan 1, 2025
57.49 USD
8.29 USD

C&F Financial business model & stock analysis

C&F Financial Corp is a financial services company headquartered in West Point, Virginia. The company was founded in 1927 as the Bank of West Point and has acquired a long history and experience in the finance industry over the years. In 1974, the holding company C&F Financial Corp was established, which still exists today and is the core of the company. The business model of C&F Financial Corp is based on the goal of providing its customers with financial services at the highest level. The company offers a wide range of services tailored to the individual needs of its customers. The main areas that the company focuses on are consumer banking, commercial banking, and mortgage banking. Under consumer banking, C&F Financial Corp offers a variety of deposit and credit services. These include checking accounts, savings accounts, certificates of deposit, personal loans, debt consolidation loans, and lines of credit. The company also has a variety of debit and credit card options that offer customers an easy and convenient way to conduct their banking transactions. C&F Financial Corp's commercial banking focuses on small and medium-sized businesses and offers a wide range of services that help support the growth and development of its customers. The services include loans, checking accounts, savings accounts, credit cards, and cash management systems. C&F Financial Corp's mortgage banking focuses on providing mortgages to customers who want to buy or refinance a home. The company offers a wide range of mortgage products that allow customers to choose the best option for their individual needs. With a special focus on customer service and education, the company constantly proves its expertise in this field. Another important area of C&F Financial Corp is the insurance industry. The company offers a variety of insurances, including auto insurance, homeowners and renters insurance, commercial and business insurance, and life insurance. These insurances give customers the necessary confidence to manage their personal belongings and their business without worries. C&F Financial Corp has established itself as a reliable partner in the finance industry. The company has proven its strength over the past 90 years and is tailored to the needs of its customers with a wide range of financial services. The company underpins its success with excellent customer service and intensive support before and after the transaction. C&F Financial Corp currently has over 25 branches in Virginia and Maryland.

C&F Financial SWOT Analysis

Strengths

[ { "heading": "1.", "text": "Strong" }, { "heading": "2.", "text": "Established" }, { "heading": "3.", "text": "Diverse" }, { "heading": "4.", "text": "Robust" }, { "heading": "5.", "text": "Experienced" } ]

Weaknesses

[ { "heading": "1.", "text": "Limited" }, { "heading": "2.", "text": "Dependence" }, { "heading": "3.", "text": "Reliance" } ]

Opportunities

[ { "heading": "1.", "text": "Expansion" }, { "heading": "2.", "text": "Fintech" }, { "heading": "3.", "text": "Mergers" }, { "heading": "4.", "text": "Growing" } ]

Threats

[ { "heading": "1.", "text": "Intense" }, { "heading": "2.", "text": "Regulatory" }, { "heading": "3.", "text": "Economic" }, { "heading": "4.", "text": "Cybersecurity" } ]

C&F Financial Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

C&F Financial historical P/E ratio, EBIT multiple, and P/S ratio

C&F Financial annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

C&F Financial shares outstanding

The number of shares of C&F Financial was 3.24 M in 2025. This indicates how many shares C&F Financial is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2018
3.50 M Stocks
Jan 1, 2019
3.50 M Stocks
Jan 1, 2020
3.60 M Stocks
Jan 1, 2021
3.60 M Stocks
Jan 1, 2022
3.50 M Stocks
Jan 1, 2023
3.41 M Stocks
Jan 1, 2024
3.30 M Stocks
Jan 1, 2025
3.24 M Stocks

C&F Financial stock splits

In C&F Financial's history, there have been no stock splits.

C&F Financial Dividend History

30 years of dividend payments

YearAnnual DividendYoY ChangePayments
20260.96USDYTD
Mar 13, 20260.48USD 4.3%1/2
Jun 15, 20260.48USD 0.0%2/2
20251.84USD 4.5%
Mar 14, 20250.46USD 4.5%1/4
Jun 13, 20250.46USD 0.0%2/4
Sep 15, 20250.46USD 0.0%3/4
Dec 15, 20250.46USD 0.0%4/4
20241.76USD 0.0%
20231.76USD 7.3%
20221.64USD 3.8%
20211.58USD 3.9%
20201.52USD 2.0%
20191.49USD 5.7%
20181.41USD 29.1%
20171.99USD 54.3%

C&F Financial dividend history and estimates

In 2025, C&F Financial paid a dividend amounting to 1.84 USD. Dividend means that C&F Financial distributes a portion of its profits to its owners.
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  • Max

Dividend
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2018
1.41 USD
0.00 USD
Jan 1, 2019
1.49 USD
0.00 USD
Jan 1, 2020
1.52 USD
0.00 USD
Jan 1, 2021
1.58 USD
0.00 USD
Jan 1, 2022
1.64 USD
0.00 USD
Jan 1, 2023
1.76 USD
0.00 USD
Jan 1, 2024
1.76 USD
0.00 USD
Jan 1, 2025
1.84 USD
0.00 USD

C&F Financial dividend payout ratio

In 2025, C&F Financial had a payout ratio of 22.20%. The payout ratio indicates the percentage of the company's profits that C&F Financial distributes as dividends.
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Payout ratio
Details
Date
Payout ratio
Jan 1, 2018
27.38 %
Jan 1, 2019
27.59 %
Jan 1, 2020
24.80 %
Jan 1, 2021
19.82 %
Jan 1, 2022
19.66 %
Jan 1, 2023
25.44 %
Jan 1, 2024
29.28 %
Jan 1, 2025
22.20 %
Price targets and forecasts for C&F Financial are not yet available.

C&F Financial Earnings Estimates

DateEPS estimateRevenue EstimateQuarterly report
4/25/20120.91USD16.32 MUSD2012 Q1
1/26/20121.04USD16.12 MUSD2011 Q4
10/26/20110.96USD16.04 MUSD2011 Q3
7/28/20110.78USD14.86 MUSD2011 Q2
5/6/20110.87USD14.89 MUSD2011 Q1
1/28/20110.66USD14.82 MUSD2010 Q4
10/29/20100.43USD13.44 MUSD2010 Q3
7/30/20100.31USD-USD2010 Q2
4/28/20100.32USD-USD2010 Q1
1/29/20100.20USD-USD2009 Q4

EESG©

Eulerpool ESG Scorecard© for the C&F Financial stock

23/100
25
Environment
34
Social
12
Governance
E

Environment

20
Scope 1 - Direct Emissions
Scope 2 - Indirect emissions from purchased energy
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

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C&F Financial shareholder structure

% Name
5.68652%
Dimensional Fund Advisors, L.P.
Dimensional Fund Advisors, L.P.
5.15068%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
4.11812%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
3.29311%
Manulife Investment Management (North America) Limited
Manulife Investment Management (North America) Limited
2.70095%
Renaissance Technologies LLC
Renaissance Technologies LLC
2.23418%
Geode Capital Management, L.L.C.
Geode Capital Management, L.L.C.
...

C&F Financial Executives and Management Board

TC

Mr. Thomas Cherry

(56)

President, Chief Executive Officer, Director · since 1998

Compensation1.30 M USD
JL

Mr. Jason Long

(45)

Chief Financial Officer, Executive Vice President, Secretary

Compensation650,103.00 USD
SC

Mr. S. Dustin Crone

(56)

President and Chief Executive Officer - C&F Finance

Compensation569,690.00 USD
JS

Mr. John Seaman

(67)

Executive Vice President and Chief Credit Officer - C&F Bank

Compensation496,420.00 USD
LD

Mr. Larry Dillon

(72)

Executive Chairman of the Board · since 1989

Compensation449,903.00 USD

Frequently asked questions about C&F Financial

The business model of C&F Financial Corp revolves around providing banking, lending, mortgage, and wealth management services to individuals and businesses. As a Virginia-based financial holding company, C&F Financial Corp operates through its subsidiaries, including Citizens and Farmers Bank. The company focuses on serving its customers' financial needs by offering various products and services such as personal and commercial banking, loans, investments, and insurance. C&F Financial Corp combines its expertise with innovative technologies to provide convenient and personalized financial solutions, aiming to foster growth and prosperity for its clients.