C & F FINANCIAL CORP
C&F Financial Corporation (NASDAQ: CFFI) operates as a bank holding company providing comprehensive financial services through its principal subsidiary, Citizens and Farmers Bank, which traces its origins to 1927. The corporation maintains a diversified business model organized into three reportable segments:… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What C & F FINANCIAL CORP does
In the company’s own words
C&F Financial Corporation (NASDAQ: CFFI) operates as a bank holding company providing comprehensive financial services through its principal subsidiary, Citizens and Farmers Bank, which traces its origins to 1927. The corporation maintains a diversified business model organized into three reportable segments: community banking, mortgage banking, and consumer finance.
The community banking segment represents the largest operational division, delivering traditional banking services through more than 30 branches located throughout Virginia. This segment provides checking and savings accounts, business and real estate lending, mortgage and home equity products, and installment loans to individuals and businesses. Community banking also encompasses wealth management services offered through C&F Wealth Management Corporation and insurance and title services through affiliated subsidiaries. At December 31, 2025, community banking assets totaled $2.7 billion with net income of $27.2 million for the year.
The mortgage banking segment operates through C&F Mortgage Corporation and its 51%-owned subsidiary, C&F Select LLC, originating residential mortgage loans for sale in the secondary market across Virginia and surrounding states. The segment offers conventional, FHA-insured, USDA-guaranteed, and VA-guaranteed mortgage products, with most conventional loans qualifying for purchase by Fannie Mae or Freddie Mac. Mortgage banking assets reached $51.3 million with net income of $2.3 million for 2025.
The consumer finance segment, conducted through C&F Finance Company, purchases automobile retail installment sales contracts from franchised and independent dealerships across the Mid-Atlantic, Midwest, and Southern United States. The segment serves both prime and non-prime borrowers, including those with limited access to traditional financing. Consumer finance assets totaled $469.9 million with net income of $1.2 million for 2025.
The corporation employs 575 people and maintains a strong capital position. Its website is located at www.cffi.com. C&F Financial competes by emphasizing customer service, establishing long-term relationships, and providing both traditional and digital banking products tailored to specific customer needs across its market areas.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- TOANO, VA
- Fiscal year end
- December
- CIK
- 913341
- SIC
- 6022
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns C & F FINANCIAL CORP — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · C & F FINANCIAL CORP’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
Put this business in context.
Compare this company with peers, find it in your funds and follow its financial history with your connected AI:
- “How do C & F FINANCIAL CORP and its peers compare on margins and cash generation over ten years?”
- “Where did five years of C & F FINANCIAL CORP's earnings go — cash, debt, buybacks, reinvestment?”
- “What changed in C & F FINANCIAL CORP's last four quarterly filings that the numbers alone won't show?”