C & F FINANCIAL CORP
CFFIOther · Accelerated filer<br>Smaller reporting company · SEC filings ↗ · Compare ⊕
View price & chart on Yahoo Finance ↗Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $140.8M | $127.3M | $127.3M | $122.7M | $135.2M | $152.3M |
| Operating income | — | — | — | — | — | — |
| Net income | $26.8M | $19.8M | $23.6M | $29.2M | $28.7M | $22.1M |
| Total assets | $2.77B | $2.56B | $2.44B | $2.33B | $2.26B | $2.09B |
| Total liabilities | $2.51B | $2.34B | $2.22B | $2.14B | $2.05B | $1.89B |
| Equity | $261.8M | $226.4M | $216.9M | $195.6M | $210.3M | $193.8M |
| EPS (diluted) | $8.29 | $6.01 | $6.92 | $8.29 | $7.95 | $6.06 |
| Shares out. | 3.2M | 3.4M | 3.5M | 3.6M | 3.7M | 3.7M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 19.1%
- Return on equity
- 10.3%
- Return on assets
- 1.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 90.5%
- Debt / equity
- 9.57×
- Book value / share
- $80.79
- Revenue growth (YoY)
- 10.6%
- Net income growth (YoY)
- 35.3%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- 0.1%clean
- Piotroski F-Score
- 6/7mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 warning● 3 good- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Vanguard Group IncPassive (13G)Mar 26, 2026
- Blackrock, Inc.Passive (13G)Oct 17, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Cherry Thomas FOfficer — PRESIDENT & CEO | May 27, 2026 | Sell | 500 | $75.00 |
| Kelley Elizabeth RDirector | May 13, 2026 | Sell | 1,025 | $73.00 |
| Robinson Paul CDirector | Apr 21, 2026 | Grant | 450 | $0.00 |
| Olsson Charles ElisDirector | Apr 21, 2026 | Grant | 450 | $0.00 |
| Downs David HendrickDirector | Apr 21, 2026 | Grant | 450 | $0.00 |
| Smith Jeffery ODirector | Apr 21, 2026 | Grant | 450 | $0.00 |
| Sisson George R IiiDirector | Apr 21, 2026 | Grant | 450 | $0.00 |
| Peay D AnthonyDirector | Apr 21, 2026 | Grant | 450 | $0.00 |
| Agnew Julie RDirector | Apr 21, 2026 | Grant | 450 | $0.00 |
| Napier James TDirector | Apr 21, 2026 | Grant | 450 | $0.00 |
| Kelley Elizabeth RDirector | Apr 21, 2026 | Grant | 450 | $0.00 |
| Holmes Audrey DaleDirector | Apr 21, 2026 | Grant | 450 | $0.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 29,580 | 7.6 | -16.1% |
| Apr 30, 2026 | 35,248 | 8.7 | -7.0% |
| Apr 15, 2026 | 37,918 | 7.6 | -6.3% |
| Mar 31, 2026 | 40,491 | 6.6 | -16.6% |
| Mar 13, 2026 | 48,558 | 14.1 | +24.4% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Regulation FD disclosureMay 20, 2026
- Regulation FD disclosure · Other material eventMay 8, 2026
- Regulation FD disclosureApr 30, 2026
- Results of operationsApr 23, 2026
- Shareholder voteApr 23, 2026
- Regulation FD disclosureFeb 25, 2026
- Results of operationsJan 27, 2026
- Director / officer changeJan 23, 2026
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Event-driven situations (2)
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