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NASDAQFinancial ServicesBanks - Regional
Latest quote
$94.89
+$0.26 · +0.27%
C&F Financial Corporation functions as a bank holding company, providing oversight for Citizens and Farmers Bank, which delivers a comprehensive range of banking services to both individuals and businesses. Its Retail Banking division offers a diverse suite of services, including checking and savings accounts, in addition to various loan products such as business, real estate, development, mortgage, home equity, and installment loans. This segment also ensures convenient access to amenities like ATMs, internet and mobile banking, and debit and credit cards. Further services include safe deposit box rentals, notary public assistance, electronic transfers, and other standard banking facilities. These retail services are provided through its main office situated in West Point, Virginia, supplemented by 30 additional branches across the state. One branch each is found in Albermarle, Goochland, Hanover, Middlesex, Powhatan, Stafford, York, Charlottesville, Hampton, Montross, Newport News, Richmond, Warsaw, and Williamsburg. Furthermore, two branches are located in each of Cumberland, James City, King George, and New Kent counties, while four branches serve both Chesterfield and Henrico counties. The Mortgage Banking segment specializes in a broad spectrum of residential mortgage loans. It facilitates conventional mortgages, those insured by the Federal Housing Administration (FHA), and loans guaranteed by both the United States Department of Agriculture (USDA) and the Veterans Administration (VA). This division also offers supporting services for mortgage origination, including residential appraisals, and extends various mortgage origination functions to third-party clients. Mortgage services are available through 11 offices in Virginia, one office in Maryland, two offices in North Carolina, and one office each in South Carolina and West Virginia. The company's Consumer Finance segment, with offices in Richmond and Hampton, Virginia, primarily provides automobile loans. Beyond these core banking operations, C&F Financial Corporation also furnishes brokerage and wealth management services, alongside various insurance products. Additionally, the company delivers title and settlement agency services. C&F Financial Corporation was established in 1927 and maintains its headquarters in West Point, Virginia.
Previous close
$94.89
+$0.26 · +0.27%
Regular session · ET · Market data may be delayed.
C&F Financial Corporation functions as a bank holding company, providing oversight for Citizens and Farmers Bank, which delivers a comprehensive range of banking services to both individuals and businesses. Its Retail Banking division offers a diverse suite of services, including checking and savings accounts, in addition to various loan products such as business, real estate, development, mortgage, home equity, and installment loans. This segment also ensures convenient access to amenities like ATMs, internet and mobile banking, and debit and credit cards. Further services include safe deposit box rentals, notary public assistance, electronic transfers, and other standard banking facilities. These retail services are provided through its main office situated in West Point, Virginia, supplemented by 30 additional branches across the state. One branch each is found in Albermarle, Goochland, Hanover, Middlesex, Powhatan, Stafford, York, Charlottesville, Hampton, Montross, Newport News, Richmond, Warsaw, and Williamsburg. Furthermore, two branches are located in each of Cumberland, James City, King George, and New Kent counties, while four branches serve both Chesterfield and Henrico counties. The Mortgage Banking segment specializes in a broad spectrum of residential mortgage loans. It facilitates conventional mortgages, those insured by the Federal Housing Administration (FHA), and loans guaranteed by both the United States Department of Agriculture (USDA) and the Veterans Administration (VA). This division also offers supporting services for mortgage origination, including residential appraisals, and extends various mortgage origination functions to third-party clients. Mortgage services are available through 11 offices in Virginia, one office in Maryland, two offices in North Carolina, and one office each in South Carolina and West Virginia. The company's Consumer Finance segment, with offices in Richmond and Hampton, Virginia, primarily provides automobile loans. Beyond these core banking operations, C&F Financial Corporation also furnishes brokerage and wealth management services, alongside various insurance products. Additionally, the company delivers title and settlement agency services. C&F Financial Corporation was established in 1927 and maintains its headquarters in West Point, Virginia.
Day range
Current $94.89
52-week range
Current $94.89
Regular session · ET · Market data may be delayed.
AI-powered factor overview
GoAI Score
Buy
Favorable setup — positive multi-factor alignment
Valuation
91
Deep Value
Sentiment
74
Bullish
Risk
38
Moderate Risk
Momentum
47
Neutral
Full GoAI research
Thesis, catalysts, evidence, and risk analysis.
C&F Financial Corporation functions as a bank holding company, providing oversight for Citizens and Farmers Bank, which delivers a comprehensive range of banking services to both individuals and businesses. Its Retail Banking division offers a diverse suite of services, including checking and savings accounts, in addition to various loan products such as business, real estate, development, mortgage, home equity, and installment loans. This segment also ensures convenient access to amenities like ATMs, internet and mobile banking, and debit and credit cards. Further services include safe deposit box rentals, notary public assistance, electronic transfers, and other standard banking facilities. These retail services are provided through its main office situated in West Point, Virginia, supplemented by 30 additional branches across the state. One branch each is found in Albermarle, Goochland, Hanover, Middlesex, Powhatan, Stafford, York, Charlottesville, Hampton, Montross, Newport News, Richmond, Warsaw, and Williamsburg. Furthermore, two branches are located in each of Cumberland, James City, King George, and New Kent counties, while four branches serve both Chesterfield and Henrico counties. The Mortgage Banking segment specializes in a broad spectrum of residential mortgage loans. It facilitates conventional mortgages, those insured by the Federal Housing Administration (FHA), and loans guaranteed by both the United States Department of Agriculture (USDA) and the Veterans Administration (VA). This division also offers supporting services for mortgage origination, including residential appraisals, and extends various mortgage origination functions to third-party clients. Mortgage services are available through 11 offices in Virginia, one office in Maryland, two offices in North Carolina, and one office each in South Carolina and West Virginia. The company's Consumer Finance segment, with offices in Richmond and Hampton, Virginia, primarily provides automobile loans. Beyond these core banking operations, C&F Financial Corporation also furnishes brokerage and wealth management services, alongside various insurance products. Additionally, the company delivers title and settlement agency services. C&F Financial Corporation was established in 1927 and maintains its headquarters in West Point, Virginia.
Day range
Current $94.89
52-week range
Current $94.89
Profitability as a percentage of reported revenue.
Revenue
Operating income
Net income
| Metric (USD) | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | 186.13M USD | 166.51M USD | 149.76M USD | 123.45M USD | 139.98M USD |
| Cost of goods sold | 56.84M USD | 56.07M USD | 34.71M USD | 11.06M USD | 8.93M USD |
| Gross profit | 129.29M USD | 110.44M USD | 115.05M USD | 112.39M USD | 131.04M USD |
| Selling, general, and administrative | 56.78M USD | 56.62M USD | 58.08M USD | 50.72M USD | 61.17M USD |
| Operating expenses | 96.22M USD | 86.31M USD | 85.89M USD | 75.42M USD | 92.96M USD |
| Interest income | 151.5M USD | 139.59M USD | 124.14M USD | 101.35M USD | 93.73M USD |
| Interest expense | 45.29M USD | 42.82M USD | 26.43M USD | 7.89M USD | 8.36M USD |
| Depreciation and amortization | 3.54M USD | 3.86M USD | 3.88M USD | 4.36M USD | 4.74M USD |
| Operating income | 33.07M USD | 24.13M USD | 29.16M USD | 36.96M USD | 38.08M USD |
| Net income | 26.84M USD | 19.83M USD | 23.6M USD | 29.16M USD | 28.67M USD |
Company facts updated Sep 6, 2026.
Recent quarterly results
Recent quarterly results
Cash distributions grouped by calendar year; partial years are marked.
$1.84
2025 complete year+16.5% since 2021
2026 partial: $0.96
$1.58
2,021
$1.64
2,022
$1.76
2,023
$1.76
2,024
$1.84
2,025
$0.96
2,026*
* Partial calendar year in the available dividend history.
| Action | Ex-dividend date | Details | Record date | Payment date |
|---|---|---|---|---|
DividendUpcoming | Sep 15, 2026 | $0.48Quarterly | Sep 15, 2026 | Oct 1, 2026 |
Dividend | Jun 15, 2026 | $0.48Quarterly | Jun 15, 2026 | Jul 1, 2026 |
Dividend | Mar 13, 2026 | $0.48Quarterly | Mar 13, 2026 | Apr 1, 2026 |
Dividend | Dec 15, 2025 | $0.46Quarterly | Dec 15, 2025 | Jan 1, 2026 |
Dividend | Sep 15, 2025 | $0.46Quarterly | Sep 15, 2025 | Oct 1, 2025 |
Dividend | Jun 13, 2025 | $0.46Quarterly | Jun 13, 2025 | Jul 1, 2025 |
Ex-dividend Sep 15, 2026
$0.48
Quarterly
Record Sep 15, 2026 · Payment Oct 1, 2026
Ex-dividend Jun 15, 2026
$0.48
Quarterly
Record Jun 15, 2026 · Payment Jul 1, 2026
Ex-dividend Mar 13, 2026
$0.48
Quarterly
Record Mar 13, 2026 · Payment Apr 1, 2026
Ex-dividend Dec 15, 2025
$0.46
Quarterly
Record Dec 15, 2025 · Payment Jan 1, 2026
Ex-dividend Sep 15, 2025
$0.46
Quarterly
Record Sep 15, 2025 · Payment Oct 1, 2025
Ex-dividend Jun 13, 2025
$0.46
Quarterly
Record Jun 13, 2025 · Payment Jul 1, 2025
Funds reporting this stock among their holdings, ordered by reported position size.
Vanguard Morningstar Total Stock Market ETFVTI8.01M0.00%2.3T USD0.03%$379.73-0.32%
iShares Russell 2000 ETFIWM6.88M0.01%79.88B USD0.19%$296.01+0.28%
Avantis U.S. Small Cap Value ETFAVUV3.24M0.01%31.49B USD0.25%$126.93+0.52%
Vanguard Extended Market ETFVXF2.94M0.00%93.7B USD0.05%$242.66+0.14%
iShares Russell 2000 Value ETFIWN2.7M0.02%14.47B USD0.24%$224.62+0.40%
Dimensional - US Targeted Value ETFDFAT1.98M0.01%14.57B USD0.28%$71.82+0.38%
EA Bridgeway Omni Small-Cap Value ETFBSVO1.82M0.07%1.71B USD0.47%$29.88+0.95%
Vanguard Russell 2000 ETFVTWO1.4M0.01%17.4B USD0.06%$119.62+0.25%Vanguard Morningstar Total Stock Market ETFVTIiShares Russell 2000 ETFIWMAvantis U.S. Small Cap Value ETFAVUVVanguard Extended Market ETFVXFiShares Russell 2000 Value ETFIWNDimensional - US Targeted Value ETFDFATEA Bridgeway Omni Small-Cap Value ETFBSVOVanguard Russell 2000 ETFVTWOAI-generated and delayed market data for informational and educational purposes only. Not investment advice.
