CFFI reports strong earnings momentum with rising deposits, improved asset quality, and growth across community and mortgage banking segments.
Discover why Zacks, being the first on Wall Street to initiate the stock coverage, rates CFFI as "Outperform." Explore how C&F Financial's strong earnings growth, solid balance sheet and appealing valuation support long-term investor gains despite credit and market challenges.
C&F Financial is a Virginia-based company that serves as a holding company for Citizens and Farmers Bank. CFFI also controls two other business segments, one that manages mortgage origination and another that manages a loan portfolio for autos, boats, and RVs. The bank's most recent quarter showed impressive results in profitability and several key financial metrics.
| Banks Industry | Financials Sector | Thomas F. Cherry CEO | XFRA Exchange | US12466Q1040 ISIN |
| US Country | 545 Employees | 15 Dec 2025 Last Dividend | 21 Jul 1998 Last Split | - IPO Date |
C&F Financial Corporation functions as a bank holding company primarily through its subsidiary, Citizens and Farmers Bank, offering a wide range of financial services tailored to meet the needs of individuals and businesses. With a history dating back to 1927, the corporation has established its headquarters in Toano, Virginia. It prides itself on a structured operation that spans across three key segments: Community Banking, Mortgage Banking, and Consumer Finance, each designed to cater to specific financial requirements and objectives of its clientele.
Within this segment, C&F Financial Corporation delivers an extensive array of services, including the provision of personal and business checking and savings accounts, alongside a comprehensive suite of loan products such as business loans, real estate and development loans, mortgage and home equity loans, as well as installment loans. Complementing these financial offerings, the company provides modern banking conveniences like ATMs, online and mobile banking platforms, peer-to-peer payment options, and debit card services. Additionally, customers have access to traditional banking services which include safe deposit box rentals, notary public, electronic transfer services, and more.
This segment is focused on residential mortgage lending, offering a variety of loans including conventional mortgages, as well as those insured by the Federal Housing Administration, and those guaranteed by the United States Department of Agriculture and the Veterans Administration. Beyond direct lending, C&F Financial Corporation engages in providing ancillary services related to mortgage origination for third parties, which encompasses residential appraisals among other activities within the mortgage origination process.
Focused on the provision of automobile loans, the Consumer Finance segment caters to individuals requiring financing for vehicle purchases. Beyond this core offering, the segment extends to encompass brokerage and wealth management services, alongside the provision of insurance products. Additionally, it includes title and settlement agency services, broadening the financial solutions available to its clientele.