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Last update at 2026-06-22T20:12:00Z
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C&F Financial Corporation Announces Quarterly Dividend
Wed 21 May 25, 07:21 PMC&F Financial Corporation Announces Net Income for First Quarter
Thu 24 Apr 25, 06:00 PMC&F Financial Corporation Announces Increase in Quarterly Dividend
Thu 20 Feb 25, 05:30 PMC&F Financial Corporation Announces Net Income for 2024
Tue 28 Jan 25, 07:00 PM| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 33.07M | 24.13M | 29.16M | 36.96M | 38.08M |
| Minority interest | -0.15600M | -0.08400M | -0.12000M | -0.21000M | 0.46M |
| Net income | 26.84M | 19.83M | 23.60M | 29.37M | 29.12M |
| Selling general administrative | 56.78M | 55.41M | 56.53M | 47.87M | 58.58M |
| Selling and marketing expenses | - | 1.21M | 1.55M | 1.80M | 1.52M |
| Gross profit | 129.29M | 110.44M | 115.05M | 1.68M | 134.53M |
| Reconciled depreciation | 3.92M | 3.86M | 3.97M | 4.36M | 4.74M |
| Ebit | - | 24.13M | 29.16M | 44.64M | 38.08M |
| Ebitda | 33.07M | 27.99M | 33.04M | 49.00M | 42.82M |
| Depreciation and amortization | - | 3.86M | 3.88M | 4.36M | 4.74M |
| Non operating income net other | - | - | - | - | - |
| Operating income | 33.07M | 24.13M | 29.16M | 44.64M | 38.08M |
| Other operating expenses | 153.06M | 142.38M | 120.59M | 42.96M | -96.45000M |
| Interest expense | 45.29M | 42.82M | 26.43M | 7.89M | 8.36M |
| Tax provision | 6.08M | 4.21M | 6.76M | 7.59M | 8.96M |
| Interest income | 151.50M | 139.59M | 120.13M | 101.35M | 93.73M |
| Net interest income | 106.21M | 96.78M | 99.74M | 93.46M | 85.37M |
| Extraordinary items | - | - | - | - | - |
| Non recurring | - | - | - | - | - |
| Other items | - | - | - | - | - |
| Income tax expense | 6.08M | 4.21M | 5.42M | 7.59M | 8.96M |
| Total revenue | 186.13M | 166.51M | 149.76M | 1.68M | 134.53M |
| Total operating expenses | 96.22M | 86.31M | 85.89M | 42.96M | -96.45000M |
| Cost of revenue | 56.84M | 56.07M | 34.70M | - | - |
| Total other income expense net | - | -94.73500M | -10.18100M | -7.68000M | -8.35900M |
| Discontinued operations | - | - | - | - | - |
| Net income from continuing ops | 26.99M | 19.92M | 28.96M | 29.37M | 29.12M |
| Net income applicable to common shares | - | - | - | 29.16M | 28.67M |
| Preferred stock and other adjustments | - | - | - | - | - |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 2768.49M | 2563.37M | 2445.39M | 2332.92M | 2265.23M |
| Intangible assets | 0.91M | 1.15M | 1.41M | 1.68M | 1.98M |
| Earning assets | - | - | - | - | - |
| Other current assets | - | - | 731.56M | 27.12M | 1171.85M |
| Total liab | 2506.15M | 2336.40M | 2227.87M | 2136.08M | 2053.50M |
| Total stockholder equity | 262.35M | 226.36M | 216.88M | 196.23M | 211.02M |
| Deferred long term liab | - | - | - | - | - |
| Other current liab | -4.91400M | 2170.86M | 1184.16M | -37.54200M | -35.45000M |
| Common stock | 3.15M | 3.11M | 3.24M | 3.33M | 3.40M |
| Capital stock | 3.15M | 3.11M | 3.24M | 3.33M | 3.40M |
| Retained earnings | 268.70M | 247.81M | 233.76M | 217.21M | 193.81M |
| Other liab | - | - | - | 29.90M | 48.42M |
| Good will | 25.19M | 25.19M | 25.19M | 25.19M | 25.19M |
| Other assets | 2205.70M | 2033.82M | - | 1201.37M | 1172.56M |
| Cash | 13.62M | 65.59M | 75.16M | 26.66M | 267.75M |
| Cash and equivalents | - | - | - | - | - |
| Total current liabilities | 20.00M | 2204.26M | 1243.49M | 37.54M | 35.45M |
| Current deferred revenue | - | - | -3.49300M | - | - |
| Net debt | 102.19M | 57.02M | 37.26M | 65.42M | -177.28400M |
| Short term debt | 21.17M | 28.99M | 59.34M | 36.59M | 34.73M |
| Short long term debt | 20.00M | 28.99M | 58.22M | 36.59M | 34.73M |
| Short long term debt total | 115.81M | 122.61M | 112.42M | 92.08M | 90.46M |
| Other stockholder equity | 1.08M | 0.04M | 6.57M | 12.65M | 15.89M |
| Property plant equipment | - | - | - | 52.30M | 45.63M |
| Total current assets | 483.46M | 142.63M | 731.56M | 548.23M | 647.63M |
| Long term investments | 327.23M | 418.62M | 462.44M | 512.59M | 1825.27M |
| Net tangible assets | - | - | - | 168.76M | 211.02M |
| Short term investments | 458.11M | 66.45M | 462.44M | 512.59M | 373.07M |
| Net receivables | 11.73M | 10.59M | 10.40M | 8.98M | 6.81M |
| Long term debt | 93.33M | 93.61M | 51.32M | 55.49M | 55.73M |
| Inventory | - | - | 99.14M | 0.35M | 1.02M |
| Accounts payable | 3.75M | 4.40M | 3.49M | 0.95M | 0.71M |
| Total permanent equity | - | - | - | - | - |
| Noncontrolling interest in consolidated entity | - | - | - | - | 0.71M |
| Temporary equity redeemable noncontrolling interests | - | - | - | - | - |
| Accumulated other comprehensive income | -11.16600M | -24.60400M | -26.68700M | -36.95800M | -2.08700M |
| Additional paid in capital | - | - | - | - | - |
| Common stock total equity | - | - | - | - | 3.40M |
| Preferred stock total equity | - | - | - | - | - |
| Retained earnings total equity | - | - | - | - | 193.81M |
| Treasury stock | - | - | - | - | - |
| Accumulated amortization | - | - | - | - | - |
| Non currrent assets other | -2002.57100M | 83.97M | 1525.94M | -22.01400M | -13.60800M |
| Deferred long term asset charges | - | - | - | - | - |
| Non current assets total | 79.34M | 2420.74M | 1713.83M | 583.31M | 445.04M |
| Capital lease obligations | - | - | - | - | - |
| Long term debt total | - | - | - | - | 55.73M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | -22.03400M | -148.64000M | -120.73200M | -411.27900M | -150.58700M |
| Change to liabilities | - | - | - | 0.00000M | -6.48100M |
| Total cashflows from investing activities | -169.35500M | -148.64000M | -56.33900M | -411.27900M | -138.69300M |
| Net borrowings | -8.99400M | 10.77M | 17.63M | 1.86M | 14.28M |
| Total cash from financing activities | 158.41M | 100.58M | 66.03M | 79.64M | 162.38M |
| Change to operating activities | - | - | - | -7.22600M | -5.19800M |
| Net income | 26.99M | 19.92M | 23.75M | 29.37M | 29.12M |
| Change in cash | 13.55M | -9.57300M | 48.50M | -241.08400M | 181.08M |
| Begin period cash flow | 65.59M | 75.16M | 26.66M | 267.75M | 86.67M |
| End period cash flow | 79.13M | 65.59M | 75.16M | 26.66M | 267.75M |
| Total cash from operating activities | 24.49M | 38.49M | 38.81M | 90.56M | 157.39M |
| Issuance of capital stock | - | - | - | - | - |
| Depreciation | 3.92M | 3.86M | 3.88M | 4.36M | 4.74M |
| Other cashflows from investing activities | -169.35500M | -189.36000M | -116.41700M | 3.29M | 16.68M |
| Dividends paid | 5.95M | 5.78M | 5.99M | -5.75600M | -5.67500M |
| Change to inventory | - | - | - | - | - |
| Change to account receivables | -1.13400M | -0.19400M | -1.41600M | -2.17200M | 1.29M |
| Sale purchase of stock | -0.94300M | -8.76100M | -7.75800M | -5.37300M | -8.23200M |
| Other cashflows from financing activities | 174.30M | 104.35M | 62.14M | 90.77M | 176.29M |
| Change to netincome | - | - | - | 66.44M | 148.99M |
| Capital expenditures | 2.33M | 3.49M | 1.46M | 3.39M | 4.79M |
| Change receivables | - | - | - | - | 1.29M |
| Cash flows other operating | - | - | - | - | -23.82700M |
| Exchange rate changes | - | - | - | - | - |
| Cash and cash equivalents changes | - | - | - | - | 181.08M |
| Change in working capital | 1.06M | 7.00M | -1.19900M | -9.39800M | -3.90500M |
| Stock based compensation | 1.85M | 1.92M | 1.99M | 1.97M | 1.70M |
| Other non cash items | -3.55900M | 5.31M | 9.49M | 63.55M | 125.82M |
| Free cash flow | 22.16M | 35.00M | 37.35M | 87.17M | 152.60M |
Sector: Financial Services Industry: Banks - Regional
| Company | Change (USD) | Price (USD) | Trailing PE (x) | Forward PE (x) | Price Sales TTM (x) | Price to Book Value (x) | Enterprise Value to Revenue (x) |
|---|---|---|---|---|---|---|---|
| CFFI C&F Financial Corporation |
-2.63 3.36% | 75.73 | 9.19 | 5.69 | 1.92 | 0.96 | 2.66 |
| HDB HDFC Bank Limited ADR |
0.03 0.12% | 25.09 | 20.81 | 20.96 | 0.11 | 4.77 | |
| CIHKY China Merchants Bank Co Ltd |
-0.32 1.06% | 29.79 | 7.78 | 7.65 | 0.56 | 0.90 | 3.62 |
| DBSDF DBS Group Holdings Ltd |
1.60 3.22% | 51.35 | 15.29 | 14.41 | 5.84 | 2.36 | 10.40 |
| CIHHF China Merchants Bank Co Ltd Class H |
- -% | 5.70 | 6.10 | 5.67 | 0.44 | 0.77 | 3.43 |
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.
3600 La Grange Parkway, Toano, VA, United States, 23168
| Name | Title | Year Born |
|---|---|---|
| Mr. Larry G. Dillon | Exec. Chairman | 1953 |
| Mr. Thomas F. Cherry | Pres, CEO & Non Independent Director | 1969 |
| Mr. Jason E. Long | Exec. VP, CFO & Sec. | 1979 |
| Mr. Bryan E. McKernon | Pres and CEO of C&F Mortgage Corp. | 1956 |
| Mr. Steven Dustin Crone | Pres and CEO of C&F Fin. Company | 1969 |
| Mr. Rodney W. Overby | Exec. VP & Chief Information Officer | NA |
| Mr. John Anthony Seaman III | Exec. VP & Chief Credit Officer of C&F Bank | 1958 |
| Ms. Mary-Jo Rawson | Sr. VP & Controller | 1954 |
| Mr. Larry G. Dillon | Executive Chairman of the Board | 1953 |
| Mr. Thomas F. Cherry | President, CEO & Non Independent Director | 1969 |
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