Stocktoria
C & F FINANCIAL CORP CFFI
C & F FINANCIAL CORP (CFFI) earns a Piotroski F-score of 5/9 (mixed financial health). It pays a dividend yielding 2.12% (safety: safe). FY2025 revenue was $140.8M at a 19.1% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 5/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| CFFI | C & F FINANCIAL CORP | 5/9 | — | 10.5 | +10.6% |
| WAL | WESTERN ALLIANCE BANCORPORATION | 4/9 | — | 9.2 | +99.7% |
| MNSB | MainStreet Bancshares, Inc. | 4/9 | — | 11.4 | -1.6% |
| BOH | BANK OF HAWAII CORP | 5/9 | — | 15.8 | -0.1% |
| COLB | COLUMBIA BANKING SYSTEM, INC. | 3/9 | — | 16.9 | +18.8% |
| GBCI | GLACIER BANCORP, INC. | 4/9 | — | 28.3 | +7.5% |
| MYFW | First Western Financial Inc | 2/9 | — | 23.5 | +7.6% |
All Finance, Insurance & Real Estate companies →
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. This segment also provides ATMs, Internet and mobile banking, peer-to-peer payment capabilities, debit cards, safe deposit box rentals, notary public, electronic transfer, and other customary bank services, as well as wealth management services; and engages in owning equity interests in an independent insurance agency, and a full-service title and settlement agency. The Mortgage Banking segment offers various residential mortgage loans, which are originated for sale to investors in the secondary mortgage market; originates conventional mortgage loans, mortgage loans insured by the Federal Housing Administration, and mortgage loans guaranteed by the United States Department of Agriculture and the Veterans Administration. This segment also provides mortgage loan origination functions as a service to third party mortgage lenders and other community banks; and ancillary mortgage loan production services to third parties for residential appraisals. The Consumer Finance segment offers automobile financing through lending programs to serve customers in both the prime and non-prime markets. C&F Financial Corporation was founded in 1927 and is based in Toano, Virginia.
FAQ
Is CFFI financially healthy?
C & F FINANCIAL CORP's Piotroski F-score is 5/9 (8–9 is excellent, 0–3 weak).
Does CFFI pay a dividend, and is it safe?
Yes. C & F FINANCIAL CORP pays a dividend yielding about 2.12% with a 22.2% payout ratio, rated “safe” for safety.
How profitable is CFFI?
In FY2025, C & F FINANCIAL CORP had a net margin of 19.1% and a return on equity of 10.2%.
Is CFFI overvalued or undervalued?
C & F FINANCIAL CORP trades at about 10.7× trailing earnings — above its 10-year norm (10-year range 6.4×–29.1×, median 9.1×). Stocktoria reports the data, not buy/sell advice.
Is CFFI a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on C & F FINANCIAL CORP: a Piotroski F-score of 5/9, a P/E of about 10.5×, a dividend yield of 2.12%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.