C & F Financial Corp (CFFI)
C & F Financial Corp brought in $151.2M of revenue over the twelve months to September 30, 2026, up 10.4% from a year earlier. Net income was $30.3M, a net margin of 20.0%. Operating cash flow minus capital spending left $22.2M of free cash flow in fiscal 2025. At September 30, 2026 it held $46M in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on November 5, 2026.
Key facts about C & F Financial Corp
- Net worth
- C & F Financial Corp has a market value (market cap) of $350.2M at the latest share price, and shareholders' equity of $268.8M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $140.8M (+10.6% year on year), with net income of $26.8M. Over the 12 months to September 30, 2026: revenue $151.2M, net income $30.3M.
- Cash flow
- In fiscal 2025 operations brought in $24.5M of cash; after $2.3M of capital spending, free cash flow was $22.2M.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on November 5, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- C & F Financial Corp's next report is expected around January 26, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- C & F Financial Corp declared dividends of $1.84 per share in fiscal 2025, a yield of 1.71% at the current price.
What C & F Financial Corp does
C & F Financial Corp is registered with the SEC under industry code SIC 6022 (State Commercial Banks). Its shares trade on NASDAQ under the ticker CFFI.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $140.8M | $26.8M | $8.29 | $22.2M |
| 2024 | $127.3M | $19.8M | $6.01 | $33.3M |
| 2023 | $127.3M | $23.6M | $6.92 | $37.4M |
| 2022 | $122.7M | $29.2M | $8.29 | $87.2M |
| 2021 | $135.2M | $28.7M | $7.95 | $152.6M |
| 2020 | $138.1M | $22.1M | $6.06 | -$90.6M |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where CFFI ranks in Finance
Dividends
C & F Financial Corp declared $1.84 per share in fiscal 2025. At the current price that is a yield of 1.71%. It paid out $6M in cash dividends, 22% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $1.84 | $6M | 22% |
| 2024 | $1.76 | $5.8M | 29% |
| 2023 | $1.76 | $6M | 25% |
| 2022 | $1.64 | $5.8M | 20% |
| 2021 | $1.58 | $5.7M | 20% |
| 2020 | $1.52 | $5.5M | 25% |
Latest SEC filings
What C & F Financial Corp has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 5, 2026Quarterly report 10-Q · period to September 30, 2026Revenue rose 6.1% to $38.2M versus the same quarter last year; diluted EPS $2.55 versus $2.18.
- November 5, 2026
- October 26, 2026
- August 19, 2026
- August 10, 2026Quarterly report 10-Q · period to June 30, 2026Revenue rose 12% to $40.9M versus the same quarter last year; diluted EPS $2.63 versus $2.37.
- July 23, 2026
- July 23, 2026
- June 18, 2026
- June 17, 2026
- May 20, 2026
What is CFFI worth? A DCF from its reported cash flow
Insider trades
What the people running C & F Financial Corp did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders sold $378K worth of shares in the last 90 days and bought none on the open market.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| November 4, 2026 | Fox Mark APRESIDENT & CEO C&F MORTGAGE | Sold | 1,000 | $112K |
| September 4, 2026 | Crone S DustinPRESIDENT & CEO C&F FINANCE | Sold | 900 | $85K |
| September 4, 2026 | Dillon Larry GEXECUTIVE CHAIRMAN, Director | Sold | 1,000 | $95.1K |
| August 20, 2026 | Dillon Larry GEXECUTIVE CHAIRMAN, Director | Sold | 1,000 | $86K |
| August 5, 2026 | Cherry Thomas FPRESIDENT & CEO, Director | Sold | 500 | $43.6K |
| August 5, 2026 | Peay D AnthonyDirector | Sold | 425 | $36.5K |
| August 3, 2026 | Seaman John A IIIEVP, CHIEF CREDIT OFFICER | Sold | 650 | $55K |
| July 3, 2026 | Kelley Elizabeth RDirector | Other change | 217 | - |
Who owns CFFI
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 80 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 195,737 | +18,812 |
| Dimensional Fund Advisors LP | 183,881 | +274 |
| Vanguard Capital Management LLC | 135,593 | -123 |
| Manufacturers Life Insurance Company, The | 101,134 | -828 |
| Geode Capital Management, LLC | 78,063 | +6,190 |
| Renaissance Technologies LLC | 78,079 | -2,700 |
| Huber Capital Management LLC | 60,415 | 0 |
| State Street Corp | 43,533 | -512 |
| American Century Companies Inc | 42,621 | -125 |
| Bridgeway Capital Management, LLC | 38,786 | 0 |
| Truist Financial Corp | 29,593 | 0 |
| Northern Trust Corp | 27,436 | +1,574 |
| Vanguard Fiduciary Trust Co | 20,305 | -684 |
| Vanguard Portfolio Management LLC | 20,155 | +2,593 |
| Wells Fargo & Company | 19,970 | +1,366 |
| Empowered Funds, LLC | 18,396 | 0 |
| Raymond James Financial Inc | 16,063 | 0 |
| First Manhattan Co. LLC. | 15,935 | 0 |
| Siena Capital Partners GP, LLC | 14,855 | +2,458 |
| SummerHaven Investment Management, LLC | 11,304 | 0 |
Insiders
17 insiders reported holding 207,116 shares in total, about $22.3M at the last price.
| Holder | Shares |
|---|---|
| Cherry Thomas FPRESIDENT & CEO, Director | 38,869 |
| Dillon Larry GEXECUTIVE CHAIRMAN, Director | 33,058 |
| Causey J P JrDirector | 28,816 |
| Robinson Paul CDirector | 19,692 |
| Holmes Audrey DaleDirector | 14,235 |
| Fox Mark APRESIDENT & CEO C&F MORTGAGE | 10,527 |
| Olsson Charles ElisDirector | 10,250 |
| Long Jason EEVP, CHIEF FINANCIAL OFFICER | 10,083 |
| Crone S DustinPRESIDENT & CEO C&F FINANCE | 8,378 |
| Sisson George R IIIDirector | 6,510 |
Questions about CFFI
What does C & F Financial Corp do?
C & F Financial Corp is a company in the Finance sector, listed on NASDAQ as CFFI. Its shares trade on NASDAQ under the ticker CFFI.
What is C & F Financial Corp's net worth?
C & F Financial Corp has a market value (market cap) of $350.2M at the latest share price, and shareholders' equity of $268.8M on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is C & F Financial Corp profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $30.3M on revenue of $151.2M, a net margin of 20.0%.
How much revenue does C & F Financial Corp make?
Over the twelve months to September 30, 2026 C & F Financial Corp reported revenue of $151.2M. That is 10.4% more than a year earlier.
When did C & F Financial Corp last report?
Its most recent periodic report is the quarterly report (10-Q) filed on November 5, 2026. It covers the period to September 30, 2026.
When is C & F Financial Corp's next earnings report?
C & F Financial Corp's next report is expected around January 26, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does C & F Financial Corp pay a dividend?
Yes. C & F Financial Corp declared dividends of $1.84 per share in fiscal 2025, a yield of 1.71% at the current price.
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Where the numbers come from
Financial figures are the values C & F Financial Corp tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.