CFFI C&F Financial Corporation - Common Stock
$87.62
Price · Aug 18, 2026
Fundamentals as of Aug 10, 2026
52W Range
$65–$92
84% of range
Analyst Rating
—
Price Target
—
P/E (TTM)
10.6
ROE
11.0%
Net Profit Margin
19.1%
CFFI Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$87.62
Market Cap
$284M
P/E (TTM)
10.6
EPS (TTM)
$8.29
Revenue (TTM)
$141M
Div Yield
2.1%
ROE
11.0%
Debt/Equity
0.1
52W Range
$65 – $92
CFFI Stock Price Chart Daily OHLCV with technical indicators — pan, zoom, and customize your view
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10-Year Performance Revenue, net income, margins and EPS trends
Revenue & Net Income
$141M
2019-12-31
→
2025-12-31
EPS
$8.29
2019-12-31
→
2025-12-31
Free Cash Flow
$22M
2019-12-31
→
2025-12-31
Margins
19.1%
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
Metric
5Y trend
CFFI
Peer Median
P/E (TTM)
10.6
12.8
P/S (TTM)
2.0
2.0
P/B
1.1
1.0
Price / FCF
12.8
—
Profitability Gross, operating and net margins; ROE, ROA, ROIC
Metric
5Y trend
CFFI
Peer Median
Net Profit Margin
19.1%
23.8%
ROA
1.0%
0.71%
ROE
11.0%
7.8%
Financial Health Debt, liquidity, solvency — balance sheet strength
Metric
5Y trend
CFFI
Peer Median
Debt / Equity
0.1
15.2
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
Metric
5Y trend
CFFI
Peer Median
Revenue YoY
10.6%
—
Revenue CAGR 3Y
4.7%
—
Revenue CAGR 5Y
0.39%
—
EPS YoY
37.9%
—
Net Income YoY
35.3%
—
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
Metric
5Y trend
CFFI
Peer Median
Payout Ratio
22.2%
—
Dividends Yield, payout ratio, dividend history, 5Y CAGR
Dividend Yield
2.1%
Payout Ratio
22.2%
5Y Div CAGR
—
| Ex-date | Amount |
|---|---|
| June 15, 2026 | $0.4800 |
| March 13, 2026 | $0.4800 |
| Dec. 15, 2025 | $0.4600 |
| Sept. 15, 2025 | $0.4600 |
| June 13, 2025 | $0.4600 |
| March 14, 2025 | $0.4600 |
| Dec. 13, 2024 | $0.4400 |
| Sept. 13, 2024 | $0.4400 |
| June 14, 2024 | $0.4400 |
| March 14, 2024 | $0.4400 |
| Dec. 14, 2023 | $0.4400 |
| Sept. 14, 2023 | $0.4400 |
| June 14, 2023 | $0.4400 |
| March 14, 2023 | $0.4400 |
| Dec. 14, 2022 | $0.4200 |
| Sept. 14, 2022 | $0.4200 |
| June 14, 2022 | $0.4000 |
| March 14, 2022 | $0.4000 |
| Dec. 14, 2021 | $0.4000 |
| Sept. 14, 2021 | $0.4000 |
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
0.20%
| Period | EPS Actual | EPS Est | Surprise |
|---|---|---|---|
| March 31, 2026 | $2.08 | — | — |
| Dec. 31, 2023 | $1.51 | — | — |
| Sept. 30, 2023 | $1.71 | — | — |
| Dec. 31, 2022 | $2.30 | — | — |
| March 31, 2012 | $1.11 | $0.91 | 0.20% |
Peer comparison (GICS sub-industry) Key metrics vs sector peers
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| CFFI | $236M | 8.8 | 10.6% | 19.1% | 11.0% | — |
| GBFH | $488M | 23.5 | — | 1.7% | 13.2% | — |
| OVLY | $252M | 10.4 | 6.7% | 29.3% | 12.2% | — |
| BPRN | — | 12.8 | 12.8% | — | — | — |
| FNRN | — | — | 4.5% | 28.7% | 10.4% | — |
| LCNB | $233M | 10.1 | 13.3% | 25.1% | 8.6% | — |
| FRAF | $225M | 10.6 | 24.8% | 23.9% | 12.8% | — |
| FXNC | $228M | 12.9 | 0.76% | 123.9% | 9.8% | — |
| FUNC | $243M | 9.9 | 4.0% | 133.1% | 12.4% | — |
| ATLO | $203M | 15.6 | 21.9% | 28.5% | 9.5% | — |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
Income Statement 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $141M | $127M | $127M | $123M | $135M | $138M | $112M | $119M | $117M | $115M | $108M | $106M | |
| Interest Expense | · | · | $26M | $8M | $8M | $13M | $15M | $11M | $10M | $9M | $9M | $9M | |
| Interest Income | $151M | $140M | $124M | $101M | $94M | $97M | $95M | $93M | $90M | $89M | $87M | $86M | |
| Pretax Income | $33M | $24M | $29M | $37M | $38M | $29M | $24M | $23M | $18M | $18M | $17M | $17M | |
| Income Tax | $6M | $4M | $5M | $8M | $9M | $7M | $5M | $5M | $11M | $4M | $5M | $5M | |
| Net Income | $27M | $20M | $24M | $29M | $29M | $22M | $19M | $18M | $7M | $13M | $13M | $12M | |
| EPS (Basic) | $8.29 | $6.01 | $6.92 | $8.29 | $7.95 | $6.06 | $5.47 | $5.15 | $1.89 | $3.90 | $3.68 | $3.63 | |
| EPS (Diluted) | $8.29 | $6.01 | $6.92 | $8.29 | $7.95 | $6.06 | $5.47 | $5.15 | $1.88 | $3.89 | $3.68 | $3.59 | |
| Shares (Basic) | 3,237,541 | 3,299,574 | 3,411,995 | 3,517,114 | 3,604,119 | 3,648,696 | 3,450,745 | 3,501,221 | 3,486,510 | 3,454,282 | 3,401,426 | 3,404,112 | |
| Shares (Diluted) | 3,237,541 | 3,299,574 | 3,411,995 | 3,517,114 | 3,604,119 | 3,648,696 | 3,450,745 | 3,501,221 | 3,486,589 | 3,455,883 | 3,401,834 | 3,436,278 |
Balance Sheet 16
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $39M | $40M | $42M | $44M | $45M | $44M | $35M | $37M | $37M | $36M | $37M | $37M | |
| PP&E (Gross) | $83M | $82M | $82M | $81M | $79M | $76M | $62M | $62M | $76M | $74M | $74M | $79M | |
| Accum. Depreciation | $44M | $41M | $40M | $37M | $35M | $31M | $27M | $25M | $39M | $38M | $37M | $42M | |
| Goodwill | $25M | $25M | $25M | $25M | $25M | $25M | $14M | $14M | $14M | $14M | $14M | $14M | |
| Intangibles | $909.0K | $1M | $1M | $2M | $2M | $2M | $912.0K | $1M | $2M | $2M | $2M | · | |
| Total Assets | $2.77B | $2.56B | $2.44B | $2.33B | $2.26B | $2.09B | $1.66B | $1.52B | $1.51B | $1.45B | $1.41B | $1.34B | |
| Short-term Debt | $20M | $29M | $58M | $37M | $35M | $20M | $16M | $15M | $21M | $12M | $12M | $14M | |
| Total Liabilities | $2.51B | $2.34B | $2.22B | $2.14B | $2.05B | $1.89B | $1.49B | $1.37B | $1.37B | $1.31B | $1.27B | $1.21B | |
| Total Debt | $20M | $29M | $58M | $37M | $35M | $20M | $16M | $15M | $21M | $12M | $12M | $14M | |
| Common Stock | $3M | $3M | $3M | $3M | $3M | $4M | $3M | $3M | $3M | $3M | $3M | $3M | |
| Paid-in Capital | $1M | $36.0K | $7M | $12M | $15M | $21M | $10M | $13M | $13M | $12M | $10M | $9M | |
| Retained Earnings | $269M | $248M | $234M | $217M | $194M | $171M | $154M | $141M | $127M | $125M | $116M | $108M | |
| AOCI | $-11M | $-25M | $-27M | $-37M | $-2M | $-2M | $-2M | $-5M | $-2M | $-984.0K | $1M | $3M | |
| Stockholders' Equity | $262M | $226M | $217M | $196M | $210M | $194M | $165M | $152M | $142M | $139M | $131M | $124M | |
| Liabilities + Equity | $2.77B | $2.56B | $2.44B | $2.33B | $2.26B | $2.09B | $1.66B | $1.52B | $1.51B | $1.45B | $1.41B | $1.34B | |
| Shares Outstanding | 3,245,972 | 3,233,672 | 3,374,098 | 3,476,614 | 3,545,554 | 3,670,301 | 3,438,126 | 3,497,122 | 3,495,845 | 3,472,561 | 3,437,787 | 3,418,750 |
Cash Flow 18
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $4M | $4M | $4M | $4M | $5M | $4M | $4M | $4M | $3M | · | · | · | |
| Stock-based Comp | $2M | $2M | $2M | $2M | $2M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | |
| Deferred Tax | $154.0K | $474.0K | $586.0K | $708.0K | $-90.0K | $-817.0K | $354.0K | $632.0K | $9M | $-23.0K | $1M | $2M | |
| Amort. of Intangibles | $238.0K | $260.0K | $272.0K | $298.0K | $314.0K | $332.0K | $230.0K | $451.0K | $676.0K | $754.0K | $966.0K | $1M | |
| Operating Cash Flow | $24M | $37M | $39M | $91M | $157M | $-80M | $-15M | $48M | $26M | $27M | $15M | $34M | |
| CapEx | $2M | $3M | $1M | $3M | $5M | $10M | $3M | $3M | $4M | $3M | $2M | $2M | |
| Investing Cash Flow | $-169M | $-147M | $-56M | $-411M | $-139M | $-183M | $-36M | $-48M | $-60M | $-106M | $-84M | · | |
| Debt Issued | $40M | $40M | · | · | · | $20M | $7M | · | · | · | · | · | |
| Net Debt Issued | $20M | $40M | $-4M | · | · | $-102M | $0 | $-2M | · | · | · | · | |
| Stock Issued | · | · | · | · | · | · | · | $144.0K | $147.0K | $149.0K | $135.0K | $133.0K | |
| Stock Repurchased | $943.0K | $9M | $8M | $5M | $8M | $1M | $5M | $2M | $560.0K | $414.0K | $2M | $161.0K | |
| Net Stock Activity | $-943.0K | $-9M | $-8M | $-5M | $-8M | $-1M | $-4M | $-961.0K | $-413.0K | $-265.0K | $-2M | $-28.0K | |
| Dividends Paid | $6M | $6M | $6M | $6M | $6M | $6M | $5M | $5M | $5M | $4M | $4M | $4M | |
| Financing Cash Flow | $158M | $101M | $66M | $80M | $162M | $185M | $101M | $-4M | $50M | $30M | $54M | · | |
| Net Change in Cash | · | · | · | · | · | · | · | · | · | · | · | $19M | |
| Taxes Paid | $6M | · | $6M | · | · | · | · | · | · | · | · | · | |
| Free Cash Flow | $22M | $35M | $37M | $87M | $153M | $-91M | $-18M | $44M | $23M | $26M | $14M | $32M | |
| Levered FCF | · | · | $16M | $81M | $146M | $-101M | $-29M | $35M | $19M | $19M | $7M | $26M |
Profitability 4
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 19.1% | 15.6% | 18.5% | 23.9% | 21.3% | 14.5% | 14.8% | 15.2% | 5.7% | 11.7% | 11.6% | 11.6% | |
| Pretax Margin | 23.5% | 19.0% | 22.9% | 30.3% | 28.3% | 19.2% | 18.8% | 19.1% | 15.4% | 15.6% | 16.1% | 16.1% | |
| ROA | 1.0% | 0.79% | 0.99% | 1.3% | 1.3% | 1.2% | 1.1% | 1.2% | 0.44% | 0.94% | 0.90% | 0.93% | |
| ROE | 11.0% | 8.9% | 11.4% | 14.4% | 14.2% | 12.3% | 11.9% | 12.3% | 4.5% | 9.7% | 9.6% | 10.1% |
Liquidity & Solvency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 0.1 | 0.1 | 0.3 | 0.2 | 0.2 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
Efficiency 1
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 | 0.1 |
Growth Rates 10
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue YoY | 10.6% | -0.01% | 3.8% | -9.3% | -2.1% | · | · | · | · | · | · | · | |
| Revenue CAGR 3Y | 4.7% | -2.0% | -2.7% | · | · | · | · | · | · | · | · | · | |
| Revenue CAGR 5Y | 0.39% | · | · | · | · | · | · | · | · | · | · | · | |
| EPS YoY | 37.9% | -13.2% | -16.5% | 4.3% | 31.2% | · | · | · | · | · | · | · | |
| EPS CAGR 3Y | 0.00% | -8.9% | 4.5% | · | · | · | · | · | · | · | · | · | |
| EPS CAGR 5Y | 6.5% | · | · | · | · | · | · | · | · | · | · | · | |
| Net Income YoY | 35.3% | -16.0% | -19.1% | 1.7% | 29.6% | · | · | · | · | · | · | · | |
| Net Income CAGR 3Y | -2.7% | -11.6% | 2.2% | · | · | · | · | · | · | · | · | · | |
| Net Income CAGR 5Y | 3.9% | · | · | · | · | · | · | · | · | · | · | · | |
| Dividend CAGR 5Y | 1.4% | · | · | · | · | · | · | · | · | · | · | · |
Valuation (TTM) 13
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $141M | $127M | $127M | $123M | $135M | $138M | $112M | $119M | $117M | $115M | $108M | $106M | |
| Net Income TTM | $27M | $20M | $24M | $29M | $29M | $22M | $19M | $18M | $7M | $13M | $13M | $12M | |
| Market Cap | $236M | $230M | $230M | $203M | $181M | $136M | $190M | $186M | $203M | $173M | $134M | $136M | |
| P/E | 8.8 | 11.9 | 9.9 | 7.0 | 6.4 | 6.1 | 10.1 | 10.3 | 30.9 | 12.8 | 10.6 | 11.1 | |
| P/S | 1.7 | 1.8 | 1.8 | 1.7 | 1.3 | 1.0 | 1.7 | 1.6 | 1.7 | 1.5 | 1.2 | 1.3 | |
| P/B | 0.9 | 1.0 | 1.1 | 1.0 | 0.9 | 0.7 | 1.2 | 1.2 | 1.4 | 1.2 | 1.0 | 1.1 | |
| P / Tangible Book | 1.0 | 1.2 | 1.2 | 1.2 | 1.0 | 0.8 | · | · | · | · | · | · | |
| P / Cash Flow | 9.6 | 6.0 | 5.9 | 2.2 | 1.2 | -1.7 | -12.5 | 3.9 | 7.6 | 6.4 | 8.7 | 4.0 | |
| P / FCF | 10.6 | 6.6 | 6.2 | 2.3 | 1.2 | -1.5 | -10.6 | 4.3 | 8.9 | 6.8 | 9.9 | 4.2 | |
| Dividend Yield | 2.5% | 2.5% | 2.6% | 2.8% | 3.1% | 4.1% | 2.7% | 2.6% | 2.3% | 2.6% | 3.1% | 3.0% | |
| Earnings Yield | 11.4% | 8.4% | 10.2% | 14.2% | 15.5% | 16.3% | 9.9% | 9.7% | 3.2% | 7.8% | 9.4% | 9.0% | |
| Payout Ratio | 22.2% | 29.1% | 25.4% | 19.7% | 19.8% | 25.1% | 27.2% | 27.4% | 70.6% | 33.2% | 33.1% | 32.8% | |
| Annual Payout | $6M | $6M | $6M | $6M | $6M | $6M | $5M | $5M | $5M | $4M | $4M | $4M |
Income Statement 10
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $41M | $36M | $36M | $36M | $36M | $33M | $32M | $33M | $31M | $31M | $32M | $31M | $32M | $33M | $37M | $31M | |
| Interest Expense | · | · | · | · | · | · | · | · | · | $10M | · | $7M | $6M | $4M | · | $2M | |
| Interest Income | $40M | $39M | $39M | $39M | $37M | $36M | $36M | $36M | $34M | $33M | $32M | $32M | $31M | $29M | $28M | $26M | |
| Pretax Income | $11M | $8M | $8M | $9M | $10M | $7M | $7M | $7M | $6M | $4M | $6M | $7M | $8M | $8M | $13M | $8M | |
| Income Tax | $2M | $2M | $1M | $2M | $2M | $1M | $1M | $1M | $1M | $565.0K | $1M | $1M | $2M | $1M | $2M | $2M | |
| Net Income | $9M | $7M | $7M | $7M | $8M | $5M | $6M | $5M | $5M | $3M | $5M | $6M | $6M | $6M | $10M | $6M | |
| EPS (Basic) | $2.63 | $2.08 | $2.08 | $2.18 | $2.37 | $1.66 | $1.85 | $1.65 | $1.50 | $1.01 | $1.51 | $1.71 | $1.84 | $1.86 | $2.94 | $1.85 | |
| EPS (Diluted) | $2.63 | $2.08 | $2.08 | $2.18 | $2.37 | $1.66 | $1.85 | $1.65 | $1.50 | $1.01 | $1.51 | $1.71 | $1.84 | $1.86 | $2.94 | $1.85 | |
| Shares (Basic) | 3,252,163 | 3,248,485 | -6,474,216 | 3,238,057 | 3,238,765 | 3,234,935 | -6,672,972 | 3,258,420 | 3,343,192 | 3,370,934 | -6,869,344 | 3,391,624 | 3,424,820 | 3,464,895 | -7,076,481 | 3,511,326 | |
| Shares (Diluted) | 3,252,163 | 3,248,485 | -6,474,216 | 3,238,057 | 3,238,765 | 3,234,935 | -6,672,972 | 3,258,420 | 3,343,192 | 3,370,934 | -6,869,344 | 3,391,624 | 3,424,820 | 3,464,895 | -7,076,481 | 3,511,326 |
Balance Sheet 16
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| PP&E (Net) | $40M | $39M | $39M | $39M | $39M | $40M | $40M | $42M | $41M | $42M | · | $42M | $43M | $44M | · | $44M | |
| PP&E (Gross) | · | · | $83M | · | · | · | $82M | · | · | · | · | · | · | · | · | · | |
| Accum. Depreciation | · | · | $44M | · | · | · | $41M | · | · | · | · | · | · | · | · | · | |
| Goodwill | $25M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | $25M | · | $25M | $25M | $25M | · | $25M | |
| Intangibles | $859.0K | $884.0K | $909.0K | $959.0K | $1M | $1M | $1M | $1M | $1M | $1M | · | $1M | $2M | $2M | · | $2M | |
| Total Assets | $2.81B | $2.81B | $2.77B | $2.71B | $2.69B | $2.61B | $2.56B | $2.55B | $2.49B | $2.47B | · | $2.42B | $2.42B | $2.44B | $2.33B | $2.34B | |
| Short-term Debt | · | $20M | $20M | $20M | $43M | $36M | $29M | $49M | $25M | $28M | · | $96M | $124M | $146M | · | $38M | |
| Total Liabilities | $2.53B | $2.55B | $2.51B | $2.46B | $2.45B | $2.38B | $2.34B | $2.32B | $2.27B | $2.25B | · | $2.22B | $2.22B | $2.24B | · | $2.15B | |
| Total Debt | · | $20M | · | $20M | $43M | $36M | · | $49M | $25M | $28M | · | $96M | $124M | $146M | · | $38M | |
| Common Stock | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | $3M | · | $3M | $3M | $3M | · | $3M | |
| Paid-in Capital | $1M | $1M | $1M | $1M | $588.0K | $108.0K | $36.0K | $499.0K | $3M | $6M | · | $7M | $8M | $10M | · | $13M | |
| Retained Earnings | $281M | $274M | $269M | $263M | $258M | $252M | $248M | $243M | $239M | $236M | · | $230M | $226M | $221M | · | $208M | |
| AOCI | $-7M | $-13M | $-11M | $-14M | $-21M | $-20M | $-25M | $-19M | $-27M | $-29M | · | $-41M | $-35M | $-32M | · | $-40M | |
| Stockholders' Equity | $278M | $265M | $262M | $253M | $240M | $235M | $226M | $227M | $218M | $216M | · | $200M | $202M | $203M | · | $185M | |
| Liabilities + Equity | $2.81B | $2.81B | $2.77B | $2.71B | $2.69B | $2.61B | $2.56B | $2.55B | $2.49B | $2.47B | · | $2.42B | $2.42B | $2.44B | · | $2.34B | |
| Shares Outstanding | 3,250,307 | 3,248,129 | 3,245,972 | 3,237,634 | 3,238,085 | 3,235,781 | 3,233,672 | 3,234,363 | 3,293,909 | 3,367,619 | · | 3,379,619 | 3,403,838 | 3,444,671 | · | 3,491,184 |
Cash Flow 14
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| D&A | $950.0K | $940.0K | $971.0K | $968.0K | $996.0K | $988.0K | $1M | $945.0K | $959.0K | $937.0K | $960.0K | $956.0K | $975.0K | $988.0K | $1M | $1M | |
| Stock-based Comp | $547.0K | $514.0K | $487.0K | $444.0K | $455.0K | $461.0K | $465.0K | $485.0K | $463.0K | $510.0K | $486.0K | $581.0K | $453.0K | $474.0K | $441.0K | $524.0K | |
| Amort. of Intangibles | $25.0K | $25.0K | $50.0K | $63.0K | $62.0K | $63.0K | $64.0K | $66.0K | $65.0K | $65.0K | $68.0K | $68.0K | $68.0K | $68.0K | $73.0K | $75.0K | |
| Operating Cash Flow | $25M | $-8M | $2M | $23M | $-4M | $3M | $34M | $404.0K | $2M | $895.0K | $17M | $23M | $-972.0K | $165.0K | $22M | $20M | |
| CapEx | $2M | $322.0K | $756.0K | $740.0K | $566.0K | $267.0K | $430.0K | $2M | $539.0K | $485.0K | $440.0K | $409.0K | $95.0K | $515.0K | $1M | $964.0K | |
| Investing Cash Flow | $-19M | $-36M | $-65M | $-15M | $-56M | $-34M | $-30M | $-44M | $-23M | $-50M | $-10M | $-11M | $3M | $-39M | $-74M | $-70M | |
| Debt Issued | · | · | $0 | $-12M | · | · | $0 | $0 | $0 | $40M | · | · | · | · | · | · | |
| Net Debt Issued | · | · | · | · | · | · | · | · | · | $40M | · | · | · | · | · | · | |
| Stock Repurchased | $367.0K | $614.0K | $507.0K | $0 | $10.0K | $426.0K | $969.0K | $3M | $4M | $1M | $1M | $1M | $3M | $2M | $2M | $2M | |
| Net Stock Activity | · | $-614.0K | · | · | · | $-426.0K | · | · | · | $-1M | · | · | · | $-2M | · | · | |
| Dividends Paid | $2M | $2M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $1M | $2M | $2M | $1M | $1M | |
| Financing Cash Flow | $-21M | $41M | $46M | $7M | $65M | $41M | $13M | $49M | $10M | $29M | $-3M | $-428.0K | $-28M | $97M | $-20M | $11M | |
| Free Cash Flow | · | $-8M | · | · | · | $3M | · | · | · | $410.0K | · | · | · | $-350.0K | · | · | |
| Levered FCF | · | · | · | · | · | · | · | · | · | $-8M | · | · | · | $-4M | · | · |
Profitability 4
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Margin | 20.9% | 18.6% | · | 19.6% | 21.1% | 16.5% | · | 16.1% | 16.1% | 11.1% | · | 19.0% | 19.6% | 19.9% | · | 21.2% | |
| Pretax Margin | 26.6% | 23.0% | · | 24.5% | 26.5% | 20.0% | · | 19.9% | 20.0% | 13.1% | · | 23.3% | 24.7% | 24.5% | · | 26.9% | |
| ROA | 0.31% | 0.25% | · | 0.27% | 0.30% | 0.21% | · | 0.22% | 0.20% | 0.14% | · | 0.24% | 0.27% | 0.27% | · | 0.28% | |
| ROE | 3.3% | 2.7% | · | 2.9% | 3.4% | 2.4% | · | 2.5% | 2.4% | 1.6% | · | 3.0% | 3.2% | 3.2% | · | 3.3% |
Liquidity & Solvency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | · | 0.1 | · | 0.1 | 0.2 | 0.2 | · | 0.2 | 0.1 | 0.1 | · | 0.5 | 0.6 | 0.7 | · | 0.2 |
Efficiency 1
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 | 0.0 | 0.0 | · | 0.0 |
Valuation (TTM) 11
| Metric | Trend | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue TTM | $149M | $141M | · | $138M | $134M | $128M | · | $126M | $125M | $126M | · | $126M | $124M | $119M | · | $119M | |
| Net Income TTM | $30M | $27M | · | $26M | $23M | $19M | · | $20M | $21M | $22M | · | $25M | $26M | $25M | · | $27M | |
| Market Cap | $260M | $237M | · | $218M | $200M | $218M | · | $189M | $159M | $165M | · | $181M | $183M | $178M | · | $187M | |
| P/E | 8.6 | 8.8 | · | 8.5 | 8.6 | 11.6 | · | 9.9 | 8.0 | 7.6 | · | 7.4 | 7.2 | 7.2 | · | 7.1 | |
| P/S | 1.7 | 1.7 | · | 1.6 | 1.5 | 1.7 | · | 1.5 | 1.3 | 1.3 | · | 1.4 | 1.5 | 1.5 | · | 1.6 | |
| P/B | 0.9 | 0.9 | · | 0.9 | 0.8 | 0.9 | · | 0.8 | 0.7 | 0.8 | · | 0.9 | 0.9 | 0.9 | · | 1.0 | |
| P / Tangible Book | 1.0 | 1.0 | · | 1.0 | 0.9 | 1.0 | · | 0.9 | 0.8 | 0.9 | · | 1.0 | 1.0 | 1.0 | · | 1.2 | |
| P / Cash Flow | · | -31.3 | · | · | · | 67.9 | · | · | · | 184.4 | · | · | · | 1079.5 | · | · | |
| P / FCF | · | -30.0 | · | · | · | 74.1 | · | · | · | 402.5 | · | · | · | -508.9 | · | · | |
| Earnings Yield | 11.6% | 11.4% | · | 11.7% | 11.6% | 8.6% | · | 10.1% | 12.6% | 13.1% | · | 13.5% | 13.9% | 13.9% | · | 14.0% | |
| Payout Ratio | · | 23.1% | · | · | · | 27.7% | · | · | · | 43.6% | · | · | · | 23.6% | · | · |
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
Income Statement
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Revenue | $141M | $127M | $127M | $123M | $135M |
| Net Income | $27M | $20M | $24M | $29M | $29M |
| Diluted EPS | $8.29 | $6.01 | $6.92 | $8.29 | $7.95 |
Balance Sheet
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Debt / Equity | 0.1 | 0.1 | 0.3 | 0.2 | 0.2 |
Cash Flow
| 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 | |
|---|---|---|---|---|---|
| Free Cash Flow | $22M | $35M | $37M | $87M | $153M |
Trading Signals Recent buy/sell signals with entry price and risk/reward ratio
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Institutional owners (13F) 85 filers · $84.3M total · As of June 30, 2026
Institutions that report holding this stock in their quarterly SEC Form 13F. Long positions only; a single filer may appear twice for separate option legs. Large offsetting put/call legs typically reflect market-making or hedged inventory, not directional conviction.
Institutional activity — Q2 2026 vs prior quarter
| New positions | Exited positions | Increased | Decreased | Net shares change |
|---|---|---|---|---|
| 11 (+4 vs prior Q) | 5 (+1 vs prior Q) | 21 (+3 vs prior Q) | 20 (-6 vs prior Q) | +178K |
Compared to Q1 2026. SEC Form 13F filings are due within 45 days of quarter-end plus a short buffer for late filers — quarters still inside that window are skipped in favor of the most recent fully-reported pair.
| Institution | Value | Shares | % of tracked 13F | Type |
|---|---|---|---|---|
| DIMENSIONAL FUND ADVISORS LP | $14,086,720 | 176,084 | 16.70% | Shares |
| VANGUARD CAPITAL MANAGEMENT LLC | $10,847,440 | 135,593 | 12.86% | Shares |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $8,090,720 | 101,134 | 9.59% | Shares |
| RENAISSANCE TECHNOLOGIES LLC | $6,246,320 | 78,079 | 7.41% | Shares |
| GEODE CAPITAL MANAGEMENT, LLC | $5,305,933 | 66,302 | 6.29% | Shares |
| Huber Capital Management LLC | $4,833,200 | 60,415 | 5.73% | Shares |
| STATE STREET CORP | $3,503,470 | 43,533 | 4.15% | Shares |
| AMERICAN CENTURY COMPANIES INC | $3,409,680 | 42,621 | 4.04% | Shares |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $3,102,880 | 38,786 | 3.68% | Shares |
| TRUIST FINANCIAL CORP | $2,367,440 | 29,593 | 2.81% | Shares |
| VANGUARD FIDUCIARY TRUST CO | $1,624,400 | 20,305 | 1.93% | Shares |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $1,612,400 | 20,155 | 1.91% | Shares |
| Empowered Funds, LLC | $1,471,680 | 18,396 | 1.74% | Shares |
| VANGUARD GROUP INC | $1,352,787 | 18,636 | 1.60% | Shares |
| RAYMOND JAMES FINANCIAL INC | $1,285,040 | 16,063 | 1.52% | Shares |
| FIRST MANHATTAN CO. LLC. | $1,282,449 | 15,935 | 1.52% | Shares |
| Siena Capital Partners GP, LLC | $1,188,400 | 14,855 | 1.41% | Shares |
| BlackRock, Inc. | $1,036,560 | 12,957 | 1.23% | Shares |
| SummerHaven Investment Management, LLC | $904,320 | 11,304 | 1.07% | Shares |
| FIRST TRUST ADVISORS LP | $817,040 | 10,213 | 0.97% | Shares |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $760,160 | 9,502 | 0.90% | Shares |
| CHARLES SCHWAB INVESTMENT MANAGEMENT INC | $749,600 | 9,370 | 0.89% | Shares |
| DAVENPORT & Co LLC | $608,160 | 7,602 | 0.72% | Shares |
| STRS OHIO | $560,000 | 7,000 | 0.66% | Shares |
| TCV Trust & Wealth Management, Inc. | $530,000 | 6,625 | 0.63% | Shares |
| GOLDMAN SACHS GROUP INC | $504,160 | 6,302 | 0.60% | Shares |
| TWO SIGMA INVESTMENTS, LP | $497,120 | 6,214 | 0.59% | Shares |
| Connor, Clark & Lunn Investment Management Ltd. | $439,280 | 5,491 | 0.52% | Shares |
| Cetera Investment Advisers | $415,285 | 5,191 | 0.49% | Shares |
| HighTower Advisors, LLC | $405,383 | 5,067 | 0.48% | Shares |
| Bristlecone Value Partners, LLC | $284,480 | 3,556 | 0.34% | Shares |
| Squarepoint Ops LLC | $270,240 | 3,378 | 0.32% | Shares |
| Bank of New York Mellon Corp | $269,440 | 3,368 | 0.32% | Shares |
| O'SHAUGHNESSY ASSET MANAGEMENT, LLC | $261,120 | 3,264 | 0.31% | Shares |
| CITADEL ADVISORS LLC | $260,000 | 3,250 | 0.31% | Shares |
| HSBC HOLDINGS PLC | $254,096 | 3,050 | 0.30% | Shares |
| Daytona Street Capital LLC | $243,330 | 3,000 | 0.29% | Shares |
| DEUTSCHE BANK AG\ | $234,160 | 2,927 | 0.28% | Shares |
| Z3 Capital Partners, LLC | $224,000 | 2,800 | 0.27% | Shares |
| BANK OF AMERICA CORP /DE/ | $203,360 | 2,542 | 0.24% | Shares |
| RHUMBLINE ADVISERS | $189,680 | 2,371 | 0.22% | Shares |
| MERCER GLOBAL ADVISORS INC /ADV | $181,920 | 2,274 | 0.22% | Shares |
| Nuveen, LLC | $177,040 | 2,213 | 0.21% | Shares |
| MetLife Investment Management, LLC | $151,120 | 1,889 | 0.18% | Shares |
| NEW YORK STATE COMMON RETIREMENT FUND | $136,000 | 1,700 | 0.16% | Shares |
| OSAIC HOLDINGS, INC. | $114,960 | 1,437 | 0.14% | Shares |
| MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. | $110,800 | 1,385 | 0.13% | Shares |
| BARCLAYS PLC | $104,560 | 1,307 | 0.12% | Shares |
| CITIGROUP INC | $97,280 | 1,216 | 0.12% | Shares |
| Invesco Ltd. | $92,560 | 1,157 | 0.11% | Shares |
| Vanguard Global Advisers, LLC | $90,880 | 1,136 | 0.11% | Shares |
| Police & Firemen's Retirement System of New Jersey | $90,480 | 1,131 | 0.11% | Shares |
| BNP PARIBAS FINANCIAL MARKETS | $76,160 | 952 | 0.09% | Shares |
| MORGAN STANLEY | $69,920 | 874 | 0.08% | Shares |
| Towne Trust Company, N.A | $56,000 | 700 | 0.07% | Shares |
| NORTHERN TRUST CORP | $38,400 | 480 | 0.05% | Shares |
| Tower Research Capital LLC (TRC) | $32,240 | 403 | 0.04% | Shares |
| FMR LLC | $30,400 | 380 | 0.04% | Shares |
| UBS Group AG | $27,120 | 339 | 0.03% | Shares |
| Ameritas Investment Partners, Inc. | $24,960 | 312 | 0.03% | Shares |
| Legal & General Group Plc | $22,080 | 276 | 0.03% | Shares |
| Main Street Group, LTD | $19,760 | 247 | 0.02% | Shares |
| Anchor Investment Management, LLC | $19,548 | 268 | 0.02% | Shares |
| CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM | $12,035 | 165 | 0.01% | Shares |
| Russell Investments Group, Ltd. | $7,045 | 88 | 0.01% | Shares |
| WELLS FARGO & COMPANY/MN | $5,440 | 68 | 0.01% | Shares |
| Sterling Capital Management LLC | $4,560 | 57 | 0.01% | Shares |
| CWM, LLC | $3,136 | 43 | 0.00% | Shares |
| ROYAL BANK OF CANADA | $3,000 | 33 | 0.00% | Shares |
| LSV ASSET MANAGEMENT | $2,789 | 34,867 | 0.00% | Shares |
| Glen Eagle Advisors, LLC | $2,560 | 32 | 0.00% | Shares |
| Quarry LP | $2,400 | 30 | 0.00% | Shares |
| Arax Advisory Partners | $1,600 | 20 | 0.00% | Shares |
| Integrated Wealth Concepts LLC | $1,440 | 18 | 0.00% | Shares |
| FTB Advisors, Inc. | $864 | 14 | 0.00% | Shares |
| AQR CAPITAL MANAGEMENT LLC | $800 | 10 | 0.00% | Shares |
| Essential Partners LLC | $640 | 8 | 0.00% | Shares |
| PNC Financial Services Group, Inc. | $480 | 6 | 0.00% | Shares |
| Cambridge Investment Research Advisors, Inc. | $337 | 4,217 | 0.00% | Shares |
| UBS AM, a distinct business unit of UBS ASSET MANAGEMENT AMERICAS LLC | $292 | 4 | 0.00% | Shares |
| Allworth Financial LP | $240 | 3 | 0.00% | Shares |
| JPMORGAN CHASE & CO | $167 | 2 | 0.00% | Shares |
| True Wealth Design, LLC | $80 | 1 | 0.00% | Shares |
| ACADIAN ASSET MANAGEMENT LLC | $28 | 362 | 0.00% | Shares |
| Covestor Ltd | $13 | 160 | 0.00% | Shares |
Company insiders 21 insiders · 5 officers · 12 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Dustin S Crone | Pres and CEO of C&F Finance | June 8, 2023 S | 9,631 | 0 | 0 | $0 |
| Bryan Edwin Mckernon | President & CEO C&F Mortgage | Feb. 15, 2023 A | 15,646 | 0 | 0 | $0 |
| Jason E Long | EVP, CHIEF FINANCIAL OFFICER | June 5, 2026 S | 10,083 | 0 | 1 | $-102,680 |
| Robert Lee Bryant | Executive Vice President & COO | Dec. 18, 2007 A | 3,500 | 0 | 0 | $0 |
| Larry G Dillon | EXECUTIVE CHAIRMAN | Feb. 24, 2026 A | 35,058 | 0 | 0 | $0 |
| Elizabeth R Kelley | Director | July 3, 2026 W | 4,239 | 0 | 0 | $0 |
| Paul C Robinson | Director | April 21, 2026 A | 19,692 | 0 | 0 | $0 |
| James T Napier | Director | April 21, 2026 A | 6,510 | 0 | 0 | $0 |
| J P Causey JR | Director | April 21, 2026 A | 28,816 | 0 | 0 | $0 |
| Jeffery O Smith | Director | April 18, 2023 A | 1,645 | 0 | 0 | $0 |
| George R Sisson III | Director | April 18, 2023 A | 4,035 | 0 | 0 | $0 |
| Julie R Agnew | Director | April 18, 2023 A | 3,572 | 0 | 0 | $0 |
| James H Hudson III | Director | April 18, 2023 A | 12,127 | 0 | 0 | $0 |
| Barry R Chernack | Director | Feb. 19, 2019 A | 13,001 | 0 | 0 | $0 |
| Joshua H Lawson | Director | Jan. 17, 2017 A | 11,765 | 0 | 0 | $0 |
| William E Oconnell JR | Director | April 28, 2011 M | 6,633 | 0 | 0 | $0 |
| Anthony D Peay | — | Aug. 5, 2026 S | 1,850 | 0 | 1 | $-36,516 |
| Thomas F Cherry | — | Aug. 5, 2026 S | 38,869 | 0 | 8 | $-187,265 |
| John A Seaman III | — | Aug. 3, 2026 S | 4,632 | 0 | 1 | $-54,996 |
| Charles Elis Olsson | — | April 21, 2026 A | 10,250 | 0 | 0 | $0 |
| Audrey Dale Holmes | — | April 21, 2026 A | 14,235 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
ETF ownership Held by 27 ETFs
Weight reflects direct equity holdings (N-PORT) only; leveraged or derivative-based funds may hold additional swap exposure not shown.
| Fund | Weight | Units | As of | Source |
|---|---|---|---|---|
| IWC · iShares Trust | 0.06% | 10,397 SH | Aug. 8, 2026 | Daily |
| VTWV · VANGUARD SCOTTSDALE FUNDS | 0.02% | 2,622 SH | Aug. 8, 2026 | Daily |
| GSSC · Goldman Sachs ETF Trust | 0.02% | 2,641 NS | May 31, 2026 | N-PORT |
| IWN · iShares Trust | 0.02% | 29,606 SH | Aug. 8, 2026 | Daily |
| AVSC · AMERICAN CENTURY ETF TRUST | 0.01% | 4,928 NS | May 31, 2026 | N-PORT |
| DFSV · Dimensional ETF Trust | 0.01% | 12,636 NS | April 30, 2026 | N-PORT |
| DFAT · Dimensional ETF Trust | 0.01% | 20,909 NS | April 30, 2026 | N-PORT |
| VTWO · VANGUARD SCOTTSDALE FUNDS | 0.01% | 17,318 SH | Aug. 8, 2026 | Daily |
| AVUV · AMERICAN CENTURY ETF TRUST | 0.01% | 34,255 NS | May 31, 2026 | N-PORT |
| IWM · iShares Trust | 0.01% | 74,877 SH | Aug. 8, 2026 | Daily |
| OMFS · Invesco Exchange-Traded Self-Indexe… | 0.01% | 253 SH | Aug. 8, 2026 | Daily |
| RSSL · Global X Funds | 0.01% | 1,323 NS | April 30, 2026 | N-PORT |
| ITWO · ProShares Trust | 0.01% | 143 NS | May 31, 2026 | N-PORT |
| PRFZ · Invesco Exchange-Traded Fund Trust | 0.01% | 1,727 SH | Aug. 8, 2026 | Daily |
| DFAS · Dimensional ETF Trust | 0.01% | 9,472 NS | April 30, 2026 | N-PORT |
| UWM · ProShares Trust | 0.00% | 112 NS | May 31, 2026 | N-PORT |
| URTY · ProShares Trust | 0.00% | 115 NS | May 31, 2026 | N-PORT |
| DFAC · Dimensional ETF Trust | 0.00% | 8,312 NS | April 30, 2026 | N-PORT |
| HDG · ProShares Trust | 0.00% | 3 NS | May 31, 2026 | N-PORT |
| DFSU · Dimensional ETF Trust | 0.00% | 240 NS | April 30, 2026 | N-PORT |
| EBI · RBB Fund Trust | 0.00% | 57 NS | May 31, 2026 | N-PORT |
| DCOR · Dimensional ETF Trust | 0.00% | 244 NS | April 30, 2026 | N-PORT |
| DFUS · Dimensional ETF Trust | 0.00% | 424 NS | April 30, 2026 | N-PORT |
| DXUV · Dimensional ETF Trust | 0.00% | 4 NS | April 30, 2026 | N-PORT |
| VXF · VANGUARD INDEX FUNDS | 0.00% | 35,651 SH | Aug. 8, 2026 | Daily |
| VTI · VANGUARD INDEX FUNDS | 0.00% | 96,944 SH | Aug. 8, 2026 | Daily |
| VTHR · VANGUARD SCOTTSDALE FUNDS | 0.00% | 215 SH | Aug. 8, 2026 | Daily |