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what it is
C&F Financial takes deposits, makes loans, writes mortgages, and finances consumers through a 30-office Virginia banking network.
how it gets paid
Last year C & F Financial made $141M in revenue.
why it's growing
Revenue grew 10.6% last year. $32.3M matters because it shows C&F still has real top-line momentum while the stock sits at just 8.7x trailing earnings.
what just happened
Quarterly revenue reached $32.3M as C&F closed 2025 with basic EPS of $2.07.
At a glance
B balance sheet — gets the job done, barely
65/100 earnings predictability — reasonably predictable
8.7x trailing p/e — the market's not buying it — or you found a deal
2.7% dividend yield — cash in your pocket every quarter
$6.01 fy2024 eps est
xvary composite: 54/100 — below average
What they do
C&F Financial takes deposits, makes loans, writes mortgages, and finances consumers through a 30-office Virginia banking network.
This is local banking with actual roots. C&F Bank runs 30 banking offices and 4 commercial lending offices, which means your checking account, mortgage, and small-business loan can all sit inside one system. That matters because deposits are sticky money (customer funding that usually stays put, so the bank borrows cheaper) — so what, cheaper funding can protect earnings when rates get weird.
How they make money
$141M
annual revenue · their business grew +10.6% last year
total revenue
$141M
+10.6%
The products that matter
takes deposits and makes loans
Community Banking
$135.4M · 96% of revenue
This is the business. It produced $135.4M of revenue and the loan portfolio expanded by $180M, which is why margin pressure matters so much.
core engine
originates and sells mortgages
C&F Mortgage
$2.9M · +39.1%
Mortgage revenue rose 39.1% to $2.9M. Nice rebound, but it is still too small to change the stock on its own.
rate-sensitive
consumer auto financing
C&F Finance Company
$2.7M · flat
This unit generated $2.7M and was flat. Management called conditions here the most challenging among its subsidiaries. That's not where you want surprise risk hiding.
headwind watch
Key numbers
8.7x
trailing p/e
P/E → price divided by earnings → so what, you are paying $8.70 for each $1 of trailing profit.
$2.71B
total assets
Assets are the bank's balance-sheet size. So what, this is a small stock attached to a much larger lending machine.
$2.00B
total loans
Loans are the earning assets. So what, tiny changes in loan quality can move earnings fast.
2.7%
dividend yield
Yield → annual cash payout divided by stock price → so what, you get paid while you wait.
Financial health
B
strength
- balance sheet grade B — adequate — nothing special
- risk rank 3 — safer than 50% of stocks
- price stability 50 / 100
- long-term debt $94M (29% of capital)
B — functional but not a standout on the balance sheet.
Total return vs. market
Return history isn't available for CFFI right now.
source: institutional data · return history unavailable
What just happened
beat estimates
Quarterly revenue reached $32.3M as C&F closed 2025 with basic EPS of $2.07.
Annual revenue was about $141M, up about 10.6% vs. prior year. Full-year 2025 diluted EPS was about $8.29 versus about $6.01 in 2024, while the ~$2.07 figure is the Q4 2025 quarterly print — not the full-year number.
$32.3M
revenue
$2.07
eps
+10.6%
annual revenue growth
the number that mattered
$32.3M matters because it shows C&F still has real top-line momentum while the stock sits at just 8.7x trailing earnings.
source: company earnings report, 2026
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What could go wrong
the #1 risk is net interest margin compression at the community bank.
high
Net interest margin compression
This is the profit engine. Management said margin stabilized in Q4, which is better than falling. It is not the same as expanding. If funding costs stay high while loan yields stop improving, earnings feel it first.
A 50 basis point drop could erase over $4M in annual net interest income.
med
Loan growth without matching credit quality
The bank added $180M in loans. Growth is good until it is not. When a small lender grows assets quickly, you watch underwriting, not just volume.
This risk sits inside the core $135.4M community banking segment, which is 96% of revenue.
med
Consumer auto finance headwinds
Management called conditions at C&F Finance Company the most challenging among its subsidiaries. The segment is small at $2.7M of revenue, but weak credit trends can punch above their size.
A problem here does not break the whole bank, but it can chip away at consolidated confidence.
low
Mortgage volatility
Mortgage revenue jumped 39.1% to $2.9M. That sounds dramatic because the base is small. This business can swing with rates and housing activity without moving the long-term thesis much.
At 2.1% of revenue, it is more noise than foundation.
A 50 basis point margin hit would cost more than $4M of annual net interest income. For a bank that earned $27.0M last year, that is not rounding error.
source: institutional data · regulatory filings · risk analysis
Pay attention to
metric
net interest margin
This is the number. Loan growth helped. Margin stabilization helped. If margin rolls over again, the cheap multiple stops looking generous.
calendar
q1 2026 earnings report
You want confirmation that Q4 stabilization was real. One quarter can be noise. Two quarters starts to look like a trend.
trend
buyback execution
The new $5.0M authorization matters more if management actually uses it near current prices. Authorization alone is cheap talk. Repurchases are not.
risk
credit quality inside the $180M loan expansion
You do not just want bigger loan balances. You want better earning assets that still get paid back. Growth with weaker underwriting is how a good year becomes a bad one.
Analyst rankings
earnings predictability
65 / 100
In human-speak: this is not a perfectly smooth earnings story. Small banks can look stable until one line item moves.
source: institutional data
Institutional activity
institutional ownership data for CFFI is being compiled.
source: institutional data
Price targets
3-5 year target range
n/a
n/a
$70
current price
n/a
target midpoint · n/a from current
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