C & F Financial Corp
Research C & F Financial Corp (CFFI) on Bullrun: valuation model: 10.0% overvalued, market cap USD 335.79M, P/E 11.5, dividend yield 1.8%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerCFFI
- ExchangeNASDAQ
- CountryUnited States
- SectorFinancial Services
- IndustryBanks-Regional
- CurrencyUSD
- Valuation signal10.0% overvalued
- Market capUSD 335.79M
- P/E11.5
- Dividend yield1.8%
- Financial periodQ2 2026
- RevenueUSD 31.62M
- Net incomeUSD 8.56M
- Free cash flowUSD 22.29M
Valuation Snapshot
Bullrun's latest valuation model marks C & F Financial Corp as 10.0% overvalued; latest market cap is USD 335.79M; P/E is 11.5; dividend yield is 1.8%.
Peer valuation comparison
Latest P/E is 11.52x versus a Financial Services sector median of 13.41x (14.1% below).
Latest dividend yield is 1.84% versus a Financial Services sector median of 3.66% (49.7% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 140.84M | USD 26.84M | USD 22.16M | n/a | 8.29 | USD 79.13M | USD 20.00M | USD 261.75M |
| FY2024 | USD 127.31M | USD 19.83M | USD 33.28M | n/a | 6.01 | USD 65.59M | USD 28.99M | USD 226.36M |
| FY2023 | USD 127.32M | USD 23.60M | USD 37.35M | n/a | 6.92 | USD 75.16M | USD 58.22M | USD 216.88M |
| FY2022 | USD 122.68M | USD 29.16M | USD 87.17M | n/a | 8.29 | USD 26.66M | USD 36.59M | USD 195.63M |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-10-12 | USD 335.79M | 11.5 | 1.8% | 1.9 |
| 2025 | 2025-12-31 | USD 235.63M | 8.8 | 2.5% | 1.84 |
| 2024 | 2024-12-31 | USD 230.40M | 11.8 | 2.5% | 1.76 |
| 2023 | 2023-12-29 | USD 229.70M | 8.1 | 2.6% | 1.76 |
| 2022 | 2022-12-30 | USD 202.67M | 8.3 | 2.8% | 1.64 |
| 2021 | 2021-12-31 | USD 181.50M | 6.4 | 3.1% | 1.58 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 1.9 USD, yield 1.8%.
| Year | Dividends/share |
|---|---|
| FY2025 | 1.84 USD |
| FY2024 | 1.76 USD |
| FY2023 | 1.76 USD |
| FY2022 | 1.64 USD |
About C & F Financial Corp
C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. It operates through three segments: Community Banking, Mortgage Banking, and Consumer Finance. The Community Banking segment offers various banking services, such as checking and savings deposit accounts; and business, real estate, development, mortgage, home equity, and installment loans.
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Frequently asked questions
Is C & F Financial Corp overvalued or undervalued?
Bullrun's valuation model currently marks C & F Financial Corp as 10.0% overvalued.
What is C & F Financial Corp's market cap?
C & F Financial Corp's market capitalization is USD 335.79M.
What is C & F Financial Corp's P/E ratio?
C & F Financial Corp's price-to-earnings (P/E) ratio is 11.5.
Does C & F Financial Corp pay a dividend?
C & F Financial Corp has a dividend yield of 1.8%.
What does C & F Financial Corp do?
C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. It operates through three segments: Community Banking, Mortgage Banking, and Consumer Finance. The Community Banking segment offers various banking services, such as checking and savings deposit accounts; and business, real estate, development, mortgage, home equity, and installment loans.