C&F Financial Corporation (CFFI)

Over the past six months, CFFI's stock price has increased by 7.10%. The board of directors declared regular cash dividends of 46 cents per share on August 20, 2025, and May 21, 2025. The company announced net income for the second quarter of 2025, reporting $7.8 million, and for the third quarter of 2025. C&F Financial Corporation announced an expansion of its commercial banking operations into Southwest Virginia on July 22, 2025. The company reported a 54.3% increase in Q2 2025 net income to $7.8 million and a 59% increase in Q1 2025 net income compared to Q1 2024. Community banking segment loans grew by 8.4% annualized compared to December 31, 2024, while consumer finance segment loans decreased by 1.0% annualized in the same period. Deposits increased by 7.8% annualized compared to December 31, 2024.

C&F Financial Corporation's business is influenced by demand for loan products, deposit flows, and the overall demand for financial services in its market area. Historically, October has favored a long bias for CFFI's stock, indicating some level of seasonality in its market performance. The company's performance is also subject to conditions in the commercial and residential real estate markets and the demand for residential mortgages.

C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank, offering banking and financial services to individuals and businesses. The company operates through three segments: Community Banking, which provides various banking services and loan options; Mortgage Banking, specializing in residential mortgage loans; and Consumer Finance, primarily offering automobile loans. Additionally, C&F Financial Corporation provides brokerage and wealth management services, insurance products, and title and settlement agencies.

C&F Financial Corporation is headquartered in Toano, Virginia. C&F Bank operates 30 retail bank branches and three commercial loan offices across Virginia. C&F Mortgage Corporation has offices in Virginia, Maryland, North Carolina, South Carolina, and West Virginia. C&F Finance Company provides loans in over 20 states through indirect lending programs.

C&F Financial Corporation, through C&F Bank, emphasizes its dedication to customers and communities. The bank has been involved in community support and focuses on fraud awareness. The company's annual reports highlight a commitment to providing a great customer experience and building long-lasting relationships with customers and communities. There is no specific information in the past year indicating events that negatively impacted CFFI's brand reputation.

Major institutional owners of C&F Financial Corp. include Dimensional Fund Advisors Lp, Vanguard Group Inc., Blackrock, Inc., The Manufacturers Life Insurance Company, Renaissance Technologies Llc, Geode Capital Management, Llc, Huber Capital Management Llc, Truffle Hound Capital, Llc, LSV Asset Management, and American Century Companies Inc. Other notable institutional owners include BNP Paribas Financial Markets, New York State Common Retirement Fund, Rhumbline Advisers, Police & Firemen's Retirement System of New Jersey, Jane Street Group LLC, Empowered Funds LLC, Goldman Sachs Group Inc., First Manhattan CO. LLC, Cubist Systematic Strategies LLC, Royal Bank of Canada, OMERS ADMINISTRATION Corp, and Rhino Investment Partners Inc.