MARKETS / NASDAQ / CFFI

NASDAQ · STATE COMMERCIAL BANKS · MID CAP

C & F Financial Corp. CFFI

17 fiscal years on record · USD · FY2025 reported · SEC filings only

Revenue

$140.8M

▲ 10.6% YoY

Net income

$26.8M

▲ 35.3% YoY

Free cash flow

$22.2M

▼ 33.4% YoY

In brief

What this company does

C&F Financial Corporation operates three principal business segments: community banking through C&F Bank, C&F Wealth Management Corporation, C&F Insurance Services, Inc. and CVB Title Services, Inc.; mortgage banking through C&F Mortgage Corporation; and consumer finance through C&F Finance Company. At December 31, 2025, the Corporation employed 575 total employees. C&F Bank provides community banking services at its main office in West Point, Virginia, and through a branch network of more than 30 branches located throughout Virginia. At December 31, 2025, assets of the community banking segment totaled $2.7 billion. The mortgage banking segment offers a variety of residential mortgage loans that are originated for sale to investors in the secondary mortgage market. C&F Finance is a regional finance company that purchases automobile loans primarily in the Mid-Atlantic, Midwest and Southern United States. C&F Financial Corporation was incorporated in March 1994 under the laws of the Commonwealth of Virginia. C&F Bank originally opened for business under the name Farmers and Mechanics Bank on January 22, 1927.

Written from the business description in C & F FINANCIAL CORPORATION's annual report to the U.S. Securities and Exchange Commission, filed 3 March 2026. Every sentence was checked against that document before publication.

Growth

USD 140.8M

Revenue, FY2025 · full 17-year series below

Revenue $M Net income $M

FY2025 · Revenue 140.8 · Net income 26.8

Compound annual growth

Revenue

+4.7%

+0.4%

+2.7%

+2.3%

Net income

−2.7%

+3.9%

+7.9%

+8.3%

EPS, diluted

+0.0%

+6.5%

+8.5%

+9.1%

Dividend / share

+3.9%

+4.2%

+4.1%

Returned to shareholders

−14.7%

+0.9%

+1.9%

+3.5%

3 yrs

5 yrs

10 yrs

15 yrs

Revenue compounded at +0.4% a year over five years — but profit grew faster: net income at +3.9%, earnings per share at +6.5%.

The share count fell from 0.00B to 0.00B — the buyback concentrates the same profit into fewer slices.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

19 cents

of every revenue dollar became profit

Operating margin Net margin

FY2025 · Operating 23.5% · Net 19.2%

ROE

FY2025 · ROE 11.0%

Gross margin—

Operating margin23.5%

Net margin19.2%

Return on assets1.0%

EBITDAUSD 36.3M

Each USD of equity produced 11 cents of profit this year.

Cash & shareholders

USD 6.9M

returned in FY2025 · dividends + net buybacks

Free cash flow $M

FY2025 · FCF 22.2

Net buybacks $M Dividends $M

FY2025 · Dividends 6.0 · Net buybacks 0.9

Dividends paidUSD 6.0M

Net buybacksUSD 943,000.00

Share of profit25.7%

Consecutive raises1 years

USD 6.0M in dividends and USD 943,000.00 in buybacks — 26% of the year's profit went back to shareholders.

Total assetsUSD 2.8B

EquityUSD 261.8M

CashUSD 79.1M

Gross debtUSD 80.0M

Net debtUSD 868,000.00

DepositsUSD 2.3B

Net debt stands at 0% of equity.

The 17-year record

17 fiscal years

Every figure from documents filed with the SEC · USD

row low → row highnegative

Metric	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
Revenue $B	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	0.1	·
Operating income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	·	·	·
EBITDA $B	0.0	0.0	0.0	0.0	0.0	·	·	0.0	0.0	0.0	0.0	0.0	0.0	0.0	·	·	·
Income tax $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Net income $B	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0	0.0
Free cash flow $B	0.0	0.0	0.0	0.1	0.2	−0.1	−0.0	0.0	0.0	0.0	0.0	0.0	0.1	0.0	0.0	−0.0	0.0
EPS, diluted $	8.29	6.01	6.92	8.29	7.95	6.06	5.47	5.15	1.88	3.89	3.68	3.59	4.19	4.86	3.72	2.24	1.44
Dividend / sh $	1.84	1.76	1.76	1.64	1.58	1.52	1.49	1.41	1.33	1.29	1.22	1.19	1.16	1.08	1.01	1.00	1.06
Payout %	22	29	25	20	20	25	27	27	71	33	33	33	27	22	31	50	74
ROE %	11.0	8.9	11.4	14.4	14.2	12.3	11.9	12.3	4.7	10.0	9.8	10.4	13.4	16.5	13.7	8.9	6.2
Shares out B	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	·

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance

Company facts, as filed

How we verify · 0 failures in 49 reconciliationsAUDITED

Reconciled in 17 of 19 fiscal years. 8 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures

ActivityState Commercial Banks

Listed onNASDAQ

Incorporated inVirginia

Fiscal year endsDecember 31

SEC categorysmaller reporting company

Data on record since2009