C & F FINANCIAL CORP
Close on Oct 19, 2026
- Market cap
- $329.44M
- P/E (TTM)
- 11.3
- Dividend yield
- 1.82%
About C & F Financial
State Commercial Banks, SIC 6022
C&F Financial Corporation operates as a financial holding company with three main divisions: community banking, mortgage banking, and consumer finance. Its community banking division provides personal and commercial deposit accounts, various lending solutions, debit cards, digital banking, wealth management, and insurance and title services. The mortgage division originates residential mortgages for sale to secondary market investors and delivers origination and appraisal support to external lenders. Additionally, the consumer finance division acts as an indirect lender, acquiring retail installment contracts primarily for late-model used automobiles. The firm caters to individuals, small-to-medium businesses, real estate developers, and auto dealerships.
Headquartered in West Point, Virginia, the company operates a network of more than 30 retail branches and multiple commercial lending offices across Virginia. Its mortgage banking operations maintain offices throughout Virginia and neighboring states, while the consumer finance segment purchases vehicle loans across the Mid-Atlantic, Midwest, and Southern regions of the United States. The organization employs 575 people.
Summary of the business section of C & F Financial's latest annual report, written by StockData.
Company profile
Company
- Legal name
- C & F FINANCIAL CORP
- Founded
- 1927
- Headquarters
- Toano, VA
- Address
- 3600 Lagrange Pkwy 23168
- Phone
- (804) 843-2360
- Website
- cffc.com
- Employees
- 575, Dec 31, 2025
- Industry
- State Commercial Banks
- Incorporated in
- Virginia
- Fiscal year ends
- December 31
- Auditor
- Yount, Hyde & Barbour, P.C., Richmond, Virginia
Stock & identifiers
- Ticker
- CFFI
- Exchange
- Nasdaq
- IPO date
- May 7, 1998
- Shares outstanding
- 3M, Aug 6, 2026
- Public float
- $186.05M, Jun 30, 2025
- Filer category
- Accelerated filer<br>Smaller reporting company
- Stock splits
- 2-for-1, Jul 21, 1998
- SEC CIK
- 913341
- CUSIP
- 12466Q104
- ISIN
- US12466Q1040
- LEI
- 549300VFPAZLNS1R0361
- EIN
- 54-1680165
Executives and directors
Officers and directors who filed ownership reports (Forms 3, 4, 5) in the last two years
| Name | Position | Shares owned |
|---|---|---|
| Larry G. Dillon | EXECUTIVE CHAIRMAN, Director | 33,058 |
| Thomas F. Cherry | PRESIDENT & CEO, Director | 38,869 |
| S. Dustin Crone | PRESIDENT & CEO C&F FINANCE | 8,378 |
| John A. Seaman III | EVP, CHIEF CREDIT OFFICER | 4,632 |
| Jason E. Long | EVP, CHIEF FINANCIAL OFFICER | 10,083 |
| Mark A. Fox | PRESIDENT & CEO C&F MORTGAGE | 11,527 |
| Bryan Edwin McKernon | PRESIDENT & CEO C&F MORTGAGE | 13,245 |
| D. Anthony Peay | Director | 1,850 |
| Elizabeth R. Kelley | Director | 4,239 |
| David Hendrick Downs | Director | 1,300 |
| Paul C. Robinson | Director | 20,692 |
| J. P. Causey Jr | Director | 30,016 |
| Charles Elis Olsson | Director | 11,209 |
| Audrey Dale Holmes | Director | 17,723 |
| James T. Napier | Director | 6,510 |
| Julie R. Agnew | Director | 5,047 |
| George R. Sisson III | Director | 7,248 |
| Jeffery O. Smith | Director | 3,120 |
CEO pay and shareholder return
Pay versus performance table from the proxy statement
| Fiscal year | CEO total pay | CEO pay actually paid | Other executives (avg) | Value of $100 invested | Peer group |
|---|---|---|---|---|---|
| FY2025 Mr. Cherry | $1.47M | $1.42M | $603.20K | $228 | – |
| FY2024 Mr. Cherry | $1.30M | $1.26M | $565.80K | $218 | – |
| FY2023 Mr. Cherry | $1.29M | $1.38M | $535.42K | $202 | – |
| FY2022 Mr. Cherry | $1.16M | $1.24M | $530.21K | $167 | – |
| FY2021 Mr. Cherry | $1.16M | $1.36M | $962.68K | $142 | – |
| FY2020 Mr. Cherry | $977.60K | $672.34K | $1.09M | $70 | – |
“Actually paid” adjusts reported pay for changes in the value of equity awards. Shareholder return assumes $100 invested at the start of the measurement period, as disclosed by the company.
Employees
Headcount reported in annual reports
“At December 31, 2025, we employed 575 total employees.”
Corporate history
Events identified from SEC filings
| Date | Event | Details |
|---|---|---|
| Sep 27, 2019 | Merger | Registration of securities for a merger or exchange offer (S-4) |
| Dec 16, 2013 | Acquisition / sale | Completion of acquisition or disposition of assets (8-K Item 2.01) |
| Dec 13, 2013 | Acquisition / sale | Completion of acquisition or disposition of assets (8-K Item 2.01) |
| Oct 2, 2013 | Acquisition / sale | Completion of acquisition or disposition of assets (8-K Item 2.01) |
| Aug 9, 2006 | Late filing | Notification of late filing |