CFFINasdaqState Commercial BanksFiscal year ends December 31
C & F FINANCIAL CORP
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Aug 10, 2026
$101.30−0.76 (-0.74%)
Close on Oct 19, 2026
- Market cap
- $329.44M
- P/E (TTM)
- 11.3
- Dividend yield
- 1.82%
Margins
Share of revenue, fiscal years 2011 to 2025
Net margin
19.1%+3.0 pts over 5 years
Growth rates
Compound annual growth to fiscal 2025
| Per year | 1 year | 3 years | 5 years | 10 years | Five-year pace |
|---|---|---|---|---|---|
| Revenue | +10.6% | +4.7% | +0.4% | +2.7% | |
| Net income | +35.3% | -2.7% | +3.9% | +7.9% | |
| EPS, diluted | +37.9% | 0.0% | +6.5% | +8.5% | |
| Free cash flow | -33.4% | -36.6% | – | +5.1% | |
| Dividend per share | +4.5% | +3.9% | +3.9% | +4.2% |
Returns and balance sheet
10 fiscal years. Hover a measure to see how it is calculated.
| Measure | FY2016 | FY2020 | FY2025 | Trend |
|---|---|---|---|---|
| Return on equity | 10.0% | 12.3% | 11.0% | |
| Return on assets | 0.9% | 1.2% | 1.0% | |
| Capex to revenue | 2.3% | 7.4% | 1.7% | |
| Diluted shares | 3M | 4M | 3M |
Where the cash went
Fiscal 2021 to 2025, five years combined
C & F Financial generated $348.01M from operations and spent $75.67M on capital expenditure, dividends and share buybacks. 20% of that went back into the business.
Generated
$348.01M
Used
$75.67M
Capital expenditure$15.45M20%Dividends$29.15M39%Share buybacks$31.07M41%
DuPont analysis
Return on equity split into margin, efficiency and leverage
Net margin19.1%
×Asset turnover0.05×
×Equity multiplier10.92×
=Return on equity, FY202511.0%
| Fiscal year | Net margin | Asset turnover | Equity multiplier | Return on equity |
|---|---|---|---|---|
| FY2025 | 19.1% | 0.05× | 10.92× | 11.0% |
| FY2024 | 15.6% | 0.05× | 11.28× | 8.9% |
| FY2023 | 18.5% | 0.05× | 11.57× | 11.4% |
| FY2022 | 23.8% | 0.05× | 11.32× | 14.4% |
| FY2021 | 21.2% | 0.06× | 10.77× | 14.2% |
| FY2020 | 16.0% | 0.07× | 10.44× | 12.3% |
| FY2019 | 16.9% | 0.07× | 10.04× | 11.9% |
| FY2018 | 15.2% | 0.08× | 10.32× | 12.3% |
| FY2017 | 5.6% | 0.08× | 10.54× | 4.7% |
| FY2016 | 11.7% | 0.08× | 10.57× | 10.0% |
Piotroski F-Score
Nine tests of profitability, balance sheet and efficiency, fiscal 2025 against fiscal 2024
5of 6 tests passed in fiscal 2025. Some tests lack the figures they need.
- ProfitableNet income above zero$26.84M
- Cash generatingOperating cash flow above zero$24.49M
- Return on assets improvedROA up on the prior year0.8% → 1.0%
- Earnings backed by cashOperating cash flow above net income$24.49M vs $26.84M
- Less leverageLong-term debt to assets fell– → –
- Better liquidityCurrent ratio rose– → –
- No dilutionShare count did not rise3M → 3M
- Gross margin improvedGross margin up on the prior year– → –
- More efficientAsset turnover rose0.05 → 0.05