C&F Financial (CFFI)
Runs a Virginia community bank alongside residential mortgage and non-prime auto lending arms.
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Operates three linked business lines: a Virginia community bank providing deposits and commercial lending, a residential mortgage originator reaching into neighboring states, and a consumer-finance unit that purchases non-prime indirect auto, marine and recreational-vehicle loans through dealer networks across the Mid-Atlantic, Midwest and Southern United States.
A community bank anchors the group, offering deposits and commercial, retail and wealth-management, insurance and title services. A mortgage arm originates residential loans, and a consumer-finance unit purchases indirect auto, marine and recreational-vehicle loans, concentrated in non-prime credit.
Banking offices concentrate in eastern and central Virginia, tracing to a single office opened in 1927. Mortgage origination reaches Maryland, North Carolina and West Virginia; the auto loan book spans the Mid-Atlantic, Midwest and South.
Earnings track the interest-rate cycle through the bank's net interest margin, while mortgage volume follows housing turnover. The non-prime auto book carries credit-loss sensitivity to used-vehicle values. The bank operates under a Virginia charter, overseen by the Federal Reserve and FDIC.
Company facts
Categories
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $520.4M · Total debt $118.2M · Total assets $2.81B · Shareholders' equity $277.8M
- Revenue
- $50.0M
- Operating income
- $10.9M
- Net income
- $8.6M
Raised for 16 straight years — most recently to $0.48 from $0.46 in Mar 2026. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Sep 15, 2026 | Sep 15 | Oct 1 | $0.48 | upcoming |
| Jun 15, 2026 | Jun 15 | Jul 1 | $0.48 | |
| Mar 13, 2026 | Mar 13 | Apr 1 | $0.48 | raised from $0.46 |
| Dec 15, 2025 | Dec 15 | Jan 1 | $0.46 | |
| Sep 15, 2025 | Sep 15 | Oct 1 | $0.46 | |
| Jun 13, 2025 | Jun 13 | Jul 1 | $0.46 | |
| Mar 14, 2025 | Mar 14 | Apr 1 | $0.46 | raised from $0.44 |
| Dec 13, 2024 | Dec 13 | Jan 1 | $0.44 | |
| Sep 13, 2024 | Sep 13 | Oct 1 | $0.44 |
| Institutions82 holders · as of Mar 31, 2026 | 40.59% | 1.32M shares | |
| Insiders18 holders · as of Aug 20, 2026 | 6.86% | 223.3K shares | |
| Otherremainder | 52.55% | 1.71M shares |
3.25M company shares as of Sep 3, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
Dimensional Fund Advisors LPInstitution | 5.64% | 183,607 | 13Fas of Mar 31, 2026 |
BlackRock, Inc.Institution | 5.44% | 176,925 | 13Fas of Mar 31, 2026 |
Vanguard Capital Management LLCInstitution | 4.17% | 135,716 | 13Fas of Mar 31, 2026 |
Manufacturers Life Insurance Company, theInstitution | 3.13% | 101,962 | 13Fas of Mar 31, 2026 |
Renaissance Technologies LLCInstitution | 2.48% | 80,779 | 13Fas of Mar 31, 2026 |
| See all 25 → | |||
13F — a manager's quarterly holdings
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 20, 2026 | Larry G. Dillon | director, officer: EXECUTIVE CHAIRMAN | −1,000 | $86.00 |
| Aug 5, 2026 | Thomas F. Cherry | director, officer: PRESIDENT & CEO | −500 | $87.13 |
| Aug 5, 2026 | D. Anthony Peay | director | −425 | $85.92 |
| Aug 3, 2026 | John A. III Seaman | officer: EVP, CHIEF CREDIT OFFICER | −650 | $84.61 |
| Jun 12, 2026 | Thomas F. Cherry | director, officer: PRESIDENT & CEO | −141 | $77.50 |
- Primis Financial
Direct Virginia community-bank overlap in Tidewater, Middle Peninsula, Richmond
- Atlantic Union Bankshares
Virginia's largest regional bank overlapping C&F Bank's VA franchise
- Blue Ridge Bankshares
Refocused Virginia community bank competing with C&F Bank post-recapitalization
- Virginia National Bankshares
Central-Virginia community bank rival with overlapping Richmond-area presence
- Credit Acceptance
National non-prime indirect auto lender competing with C&F Finance
- National Bankshares
Virginia community-bank peer with thin overlap on the central-VA fringe
- Consumer Portfolio Services
National non-prime indirect auto lender competing for the same dealer volume
ComparePre-market
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| C&F Financial | $91.79 | +0.16% | $298.1M | 10.2 | — | 1.6 | +5.9% |
| Primis Financial | $16.02 | +2.46% | $398.1M | 7.4 | 9.1 | 1.3 | +44.2% |
| Atlantic Union Bankshares | $40.80 | +0.49% | $5.76B | 12.1 | 10.5 | 2.6 | −3.5% |
| Blue Ridge Bankshares | $3.96 | +1.41% | $355.2M | 37.2 | — | 2.6 | −11.8% |
| Virginia National Bankshares | $45.09 | −3.67% | $253.5M | 10.3 | — | 2.9 | +24.9% |
| Credit Acceptance | $609.92 | +0.42% | $6.36B | 13.4 | 11.8 | 2.7 | +2.1% |
| National Bankshares | $41.81 | +0.87% | $264.1M | 13.0 | 10.7 | 3.7 | −66.8% |
| Consumer Portfolio Services | $9.32 | +0.87% | $201.6M | 10.2 | — | 0.4 | +10.6% |
| Median | 12.1 | 10.6 | 2.6 | +2.1% |