C&F Financial Corporation (CFFI)

From the record

C&F Financial Corporation's filings since 2017 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

From the record

C&F Financial Corporation's 10 filed years say what it did: revenue went from $89 million in fiscal 2016 to $151 million in fiscal 2025, up 6% a year; it rose in 8 of 9 years; the deepest fall was 3% from fiscal 2020 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, C&F Financial Corporation's diluted share count shrank about 2.7% a year, and dividends and buybacks returned about 35% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 16 sales and 0 purchases of their own stock on the open market in the year to 2026-11-04 (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, C&F Financial Corporation earned about 10 cents of profit for every dollar of shareholders' money. Leverage: it owed about 91 cents per dollar of assets, and net share issuance: its share count shrank 1.9% over the year (the filed statements).

From the record

C&F Financial Corporation's standing among 155 graded names in its industry family: revenue of $151 million in fiscal 2025 ranks in the bottom 30% by size; a net margin of 17.7% ranks in the bottom 31%; revenue growth of 14.3% a year over the last 3 filed years ranks in the bottom 30% (its annual reports).

From the record

C&F Financial Corporation's leadership, from its insiders' filings and its current reports: the chief executive on the record is Cherry, Thomas F (PRESIDENT & CEO, as filed), filing under that title since 2019-01-23, 7.8 years (top 50% of its family); the 17 officers and directors filing in the last fifteen months have been on the record a median of 10.7 years (top 16%); 2 officer or director changes were reported on Form 8-K since 2023-11-13, against the 17 people in charge now (top 14%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

C&F Financial Corporation's room to grow, from the newest filed statements (fiscal 2025): cash of $79 million against no long-term debt tagged leaves 2.9% of its assets as net cash, bottom 47% of its family; cash from operations less capital spending is 14.6% of revenue (bottom 18%) (its annual report).

From the record

C&F Financial Corporation's growth drivers, from the filed years to fiscal 2025: revenue grew 14.3% a year over the last three filed years against 6% over all 10, speeding up (top 19% of its family); the newest year grew 8.5% (top 32%); capital spending grew -11.8% a year (bottom 27%) (its annual reports). C&F Financial Corporation tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

C&F Financial Corporation's newest year against its own record: revenue of $151 million in fiscal 2025 came in 7.5% below the $164 million its prior three years' pace pointed to (top 23% of its family); net income of $27 million against a prior three-year average of $24 million (bottom 45%); a net margin of 17.7% against 20.7% before (top 49%) (its annual reports).