C & F FINANCIAL CORP CFFI 65.17
Financials · NASDAQ · Data as of 2026-08-10
C & F FINANCIAL CORP (CFFI) has delivered +1.8% annualized revenue growth, +10.8% earnings growth, and +3.4% dividend growth over 10 years of data. Ranked #395 of 1968 stocks overall and #74 of 212 in the Financials sector by Steady Score.
About C & F FINANCIAL CORP
Company Overview
C&F Financial owns C&F Bank, C&F Mortgage and C&F Finance Company. The bank serves businesses and individuals in Virginia with deposits, commercial and consumer loans and wealth services. The mortgage business originates home loans, while C&F Finance purchases automobile loans from dealers across a wider regional footprint. Customers include local households, businesses, homebuyers and vehicle borrowers.
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Business Model & Revenue
Revenue comes from net interest income on bank and auto loans, mortgage origination and sale gains, and account or wealth fees. Deposits fund much of community banking, while other borrowings support selected portfolios. Interest spreads, loan growth, mortgage volume and credit losses drive results. Auto finance has different risk and funding characteristics from the core bank and requires specialized servicing.
Key Facts & Market Position
The company combines a community-bank franchise with specialized mortgage and indirect auto-finance operations. This diversifies revenue but requires separate underwriting and compliance capabilities. Virginia economic conditions matter to the bank, while dealer- sourced auto loans broaden geography and credit risk. Funding stability and asset quality are central.