C&F Financial Corporation (CFFI)

CFFI's stock price increased by 7.79% in the past six months. The company declared cash dividends of $0.46 per share in August and November 2025 and reported strong financial results for the first three quarters of 2025. A share repurchase program was authorized for 2024, under which 79,420 shares were repurchased for $3.5 million during the second quarter of 2024.

Specific demand seasonality for C&F Financial Corp.'s products and services is not explicitly detailed. The company has reported solid demand for its products, and C&F Bank has experienced robust loan and deposit growth. The mortgage banking segment's profitability increased, and the consumer finance segment faced challenges with higher charge-offs, mitigated by operational efficiencies. Demand is influenced by broader economic factors rather than explicit seasonal patterns.

C&F Financial Corporation (CFFI) is a bank holding company providing banking services to individuals and businesses through three segments: Community Banking, Mortgage Banking, and Consumer Finance. The Community Banking segment offers deposit accounts and various loans, along with services like ATMs and online banking. The Mortgage Banking segment specializes in residential mortgage loans. The Consumer Finance segment focuses on automobile, marine, and recreational vehicle loans.

C&F Financial Corporation's operations are primarily in Virginia, extending into surrounding regions. C&F Bank has offices throughout eastern and central Virginia. C&F Mortgage Corporation provides services in Virginia, Maryland, North Carolina, South Carolina, and West Virginia. C&F Finance Company's lending programs are available across the Mid-Atlantic, Midwest, and Southern United States.

C&F Financial Corporation's brand reputation is characterized by resilience and a diversified business model. The company emphasizes its strong credit quality and operational efficiencies. Despite challenges like a dynamic interest rate environment, margins stabilized, and strategic adjustments were made to the retail branch footprint. C&F Wealth Management's shift to an advisory model is expected to enhance customer relationships and operational efficiency.

Institutional investors own approximately 34% to 41.34% of C&F Financial Corporation's stock, with major holders including Dimensional Fund Advisors L.P., Vanguard Group Inc., and BlackRock, Inc. The general public owns about 60% of the company's stock. Insiders also hold shares, with approximately $8.5 million worth of shares as of April 2020.