C & F Financial Corp. (CFFI)
Nasdaq · State Commercial Banks · Finance, insurance and real estate · CIK 913341 · fiscal year ends in Dec
Closing price $109.97 on 30 Oct 2026; 52-week range $66.77 to $111.01.
Key figures
The last twelve months reported, with the latest price and balance sheet.
- Revenue, last twelve months
- $149.0M
- Revenue growth
- 10.8%
- Net income, last twelve months
- $29.1M
- Earnings per share
- $8.96
- Net margin
- 19.5%
- Return on equity
- 10.5%
- Market value
- $357.4M
- Price to earnings
- 12.3x
- Dividend yield
- 1.7%
- Cash
- $62.1M
- Debt
- $118.2M
- Debt to equity
- 0.43
- Shares outstanding
- 3.3M
Financial statements
Revenue, profit and cash flow by fiscal year, each year linked to its annual report.
| Fiscal year | Year end | Revenue | Operating income | Net income | EPS | Free cash flow | Filing |
|---|---|---|---|---|---|---|---|
| FY2025 | 31 Dec 2025 | $140.8M | – | $26.8M | $8.29 | $22.2M | 10-K filed 3 Mar 2026 |
| FY2024 | 31 Dec 2024 | $127.3M | – | $19.8M | $6.01 | $33.3M | 10-K filed 27 Feb 2025 |
| FY2023 | 31 Dec 2023 | $127.3M | – | $23.6M | $6.92 | $37.4M | 10-K filed 27 Feb 2024 |
| FY2022 | 31 Dec 2022 | $122.7M | – | $29.2M | $8.29 | $87.2M | 10-K filed 28 Feb 2023 |
| FY2021 | 31 Dec 2021 | $135.2M | – | $28.7M | $7.95 | $152.6M | 10-K filed 1 Mar 2022 |
By quarter
| Quarter | Quarter end | Revenue | Net income | EPS |
|---|---|---|---|---|
| Q2 FY2026 | 30 Jun 2026 | $40.9M | $8.6M | $2.63 |
| Q1 FY2026 | 31 Mar 2026 | $36.3M | $6.7M | $2.08 |
| Q4 FY2025 | 31 Dec 2025 | $35.9M | $6.7M | $2.07 |
| Q3 FY2025 | 30 Sep 2025 | $36.0M | $7.1M | $2.18 |
| Q2 FY2025 | 30 Jun 2025 | $36.4M | $7.7M | $2.37 |
| Q1 FY2025 | 31 Mar 2025 | $32.6M | $5.4M | $1.66 |
| Q4 FY2024 | 31 Dec 2024 | $32.0M | $6.0M | $1.87 |
| Q3 FY2024 | 30 Sep 2024 | $33.5M | $5.4M | $1.65 |
Revenue by segment
As the company reports it in the segment note of its annual report.
By business, FY2025
| Segment | Revenue | Share |
|---|---|---|
| Community Banking | $99.2M | 69.9% |
| Consumer Finance | $26.9M | 19.0% |
| Mortgage Banking | $15.8M | 11.1% |
Company events
The newest 8-K filings of 270 held.
| Filed | Form | Event | Items |
|---|---|---|---|
| 26 Oct 2026 | 8-K | Results | 2.02, 9.01 |
| 19 Aug 2026 | 8-K | Investor update | 7.01, 9.01 |
| 23 Jul 2026 | 8-K | Investor update | 7.01, 9.01 |
| 23 Jul 2026 | 8-K | Results | 2.02, 9.01 |
| 18 Jun 2026 | 8-K | Leadership change | 5.02, 9.01 |
| 20 May 2026 | 8-K | Investor update | 7.01, 9.01 |
| 8 May 2026 | 8-K | Investor update, Other events | 7.01, 8.01, 9.01 |
| 30 Apr 2026 | 8-K | Investor update | 7.01, 9.01 |
| 23 Apr 2026 | 8-K | Results | 2.02, 9.01 |
| 23 Apr 2026 | 8-K | Shareholder vote | 5.07 |
| 25 Feb 2026 | 8-K | Investor update | 7.01, 9.01 |
| 27 Jan 2026 | 8-K | Results | 2.02, 9.01 |
Every filing
The newest filings with the SEC of 551 held.
| Filed | Form | Period |
|---|---|---|
| 26 Oct 2026 | 8-K | 26 Oct 2026 |
| 19 Aug 2026 | 8-K | 19 Aug 2026 |
| 10 Aug 2026 | 10-Q | 30 Jun 2026 |
| 23 Jul 2026 | 8-K | 23 Jul 2026 |
| 23 Jul 2026 | 8-K | 23 Jul 2026 |
| 18 Jun 2026 | 8-K | 16 Jun 2026 |
| 17 Jun 2026 | 11-K | 31 Dec 2025 |
| 20 May 2026 | 8-K | 20 May 2026 |
| 11 May 2026 | 10-Q | 31 Mar 2026 |
| 8 May 2026 | 8-K | 7 May 2026 |
| 30 Apr 2026 | 8-K | 30 Apr 2026 |
| 23 Apr 2026 | 8-K | 23 Apr 2026 |
Insider trades
Form 4 trades by officers, directors and 10% owners, last 12 months.
| Traded | Insider | Type | Shares | Price | Value | Held after | Form 4 |
|---|---|---|---|---|---|---|---|
| 4 Sep 2026 | Crone S Dustin, PRESIDENT & CEO C&F FINANCE | Sale outside a trading plan | 900 | $94.41 | $85.0K | 8,378 | 9 Sep 2026 |
| 4 Sep 2026 | Dillon Larry G, EXECUTIVE CHAIRMAN | Sale outside a trading plan | 1,000 | $95.07 | $95.1K | 33,058 | 8 Sep 2026 |
| 20 Aug 2026 | Dillon Larry G, EXECUTIVE CHAIRMAN | Sale outside a trading plan | 1,000 | $86.00 | $86.0K | 34,058 | 20 Aug 2026 |
| 5 Aug 2026 | Peay D Anthony, Director | Sale outside a trading plan | 425 | $85.92 | $36.5K | 1,850 | 7 Aug 2026 |
| 5 Aug 2026 | Cherry Thomas F, PRESIDENT & CEO | Sale outside a trading plan | 500 | $87.13 | $43.6K | 38,869 | 7 Aug 2026 |
| 3 Aug 2026 | Seaman John A Iii, EVP, CHIEF CREDIT OFFICER | Sale outside a trading plan | 650 | $84.61 | $55.0K | 4,632 | 4 Aug 2026 |
| 12 Jun 2026 | Cherry Thomas F, PRESIDENT & CEO | Sale outside a trading plan | 141 | $77.50 | $10.9K | 39,369 | 15 Jun 2026 |
| 11 Jun 2026 | Cherry Thomas F, PRESIDENT & CEO | Sale outside a trading plan | 30 | $78.50 | $2.4K | 39,510 | 15 Jun 2026 |
| 10 Jun 2026 | Cherry Thomas F, PRESIDENT & CEO | Sale outside a trading plan | 329 | $78.50 | $25.8K | 39,540 | 10 Jun 2026 |
| 9 Jun 2026 | Cherry Thomas F, PRESIDENT & CEO | Sale outside a trading plan | 678 | $75.56 | $51.2K | 39,869 | 10 Jun 2026 |
| 8 Jun 2026 | Cherry Thomas F, PRESIDENT & CEO | Sale outside a trading plan | 200 | $75.00 | $15.0K | 40,169 | 10 Jun 2026 |
| 5 Jun 2026 | Long Jason E, EVP, CHIEF FINANCIAL OFFICER | Sale outside a trading plan | 1,360 | $75.50 | $102.7K | 10,083 | 9 Jun 2026 |
Planned insider sales
Form 144 notices, filed when the sell order goes to the broker.
| Filed | Seller | Shares | Value | Planned sale |
|---|---|---|---|---|
| 4 Sep 2026 | LARRY G DILLON, Officer, Director | 1,000 | $94.6K | 4 Sep 2026 |
| 4 Sep 2026 | Crone S Dustin, Director | 2,500 | $235.8K | 4 Sep 2026 |
| 19 Aug 2026 | LARRY G DILLON, Officer, Director | 1,000 | $87.6K | 19 Aug 2026 |
| 3 Aug 2026 | John A III Seaman, Officer | 650 | $53.7K | 3 Aug 2026 |
| 1 Jun 2026 | Jason E Long, Officer | 1,417 | $104.5K | 1 Jun 2026 |
| 28 May 2026 | THOMAS F CHERRY, Officer, Director | 1,878 | $139.2K | 28 May 2026 |
| 13 May 2026 | Elizabeth R Kelley, Director | 1,025 | $74.0K | 13 May 2026 |
| 26 Feb 2026 | THOMAS F CHERRY, Officer, Director | 2,000 | $154.7K | 26 Feb 2026 |
Large holders
Schedule 13D and 13G filings by holders of more than 5% of the voting shares.
| Filed | Holder | Schedule | Stake | Shares |
|---|---|---|---|---|
| 26 Mar 2026 | The Vanguard Group | 13G amended | 0% | 0 |
Short interest
Shares sold short and not yet bought back, on each FINRA settlement date.
| Settlement | Shares short | Change | Days to cover |
|---|---|---|---|
| 15 Oct 2026 | 67.0K | +37.16% | 1.21 |
| 30 Sep 2026 | 48.9K | -2.61% | 1 |
| 15 Sep 2026 | 50.2K | +30.42% | 1 |
| 31 Aug 2026 | 38.5K | +13.49% | 1 |
| 14 Aug 2026 | 33.9K | +5.64% | 1 |
| 31 Jul 2026 | 32.1K | -0.64% | 6.12 |
| 15 Jul 2026 | 32.3K | -15.34% | 6.05 |
| 30 Jun 2026 | 38.2K | +10.4% | 3.12 |
Funds that hold it
From each fund's latest Form 13F.
85 funds held it at 30 Jun 2026: 30 added and 18 trimmed in the quarter. The largest:
| Fund | Shares | Value | Change in the quarter |
|---|---|---|---|
| BlackRock, Inc. | 195,737 | $15.7M | +18,812 |
| Dimensional Fund Advisors LP | 183,881 | $14.7M | +274 |
| Vanguard Capital Management LLC | 135,593 | $10.8M | -123 |
| Manufacturers Life Insurance Company, the | 101,134 | $8.1M | -828 |
| Geode Capital Management, LLC | 78,063 | $6.2M | +6,190 |
| Renaissance Technologies LLC | 78,079 | $6.2M | -2,700 |
| Huber Capital Management LLC | 60,415 | $4.8M | 0 |
| State Street Corp. | 43,533 | $3.5M | -512 |
| American Century Companies Inc. | 42,621 | $3.4M | -125 |
| Bridgeway Capital Management, LLC | 38,786 | $3.1M | 0 |
Peers
Companies in the same industry.
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- Bank of New York Mellon Corp. (BNY): revenue $22.0B, market value $99.0B
- Itaú Unibanco Holding S.A. (ITUB): revenue $30.1B, market value $78.6B
- Fifth Third Bancorp (FITB): revenue $10.7B, market value $48.9B
- State Street Corp. (STT): revenue $15.5B, market value $46.3B
- M&T Bank Corp. (MTB): revenue $10.0B, market value $31.9B
- Northern Trust Corp. (NTRS): revenue $9.3B, market value $30.7B
- Banco Bradesco S.A. (BBD): revenue –, market value $27.0B
- Citizens Financial Group Inc. (CFG): revenue $8.9B, market value $26.9B
- First Citizens Bancshares Inc. (FCNCA): revenue $9.6B, market value $26.6B