profit from every $100 of sales.
$0$100
C&F Financial
$106.00+0.17% today
+50.7% in 1 year
1-year low $66.771-year high $112.23
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2021 to 2023.
0%20% a year
You pay $14.59 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What C&F Financial sold, what it kept, and what it did with the cash.
Sales went from $132 million in 2021 to $123 million in 2023, with $23.6 million of profit last year.
SalesProfit
C&F Financial handed back 37% of the cash it generated last year.
Buybacks $8M$6M
Free cash flow 2023$37M
Bought back its own shares$8M
Paid as dividends$6M
Cash vs. debt$75M vs. $110M
C&F Financial vs. similar companies
C&F Financial grows the slowest of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| C&F Financial | 14.6× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads C&F Financial's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2021 | 2022 | 2023 |
|---|---|---|---|
| 132 | 116 | 123 | |
| – | – | – | |
| – | – | – | |
| – | – | – | |
| – | 29 | 24 | |
| – | 8.29 | 6.92 | |
| – | – | – | |
| – | – | – | |
| – | 25.2% | 19.1% |
Balance sheet
| In millions of USD | 2021 | 2022 | 2023 |
|---|---|---|---|
| Total assets | – | 2,332 | 2,438 |
| Cash | – | 27 | 75 |
| Total debt | – | 92 | 110 |
| Total liabilities | – | 2,136 | 2,221 |
| – | 196 | 217 | |
| – | 4 | 3 | |
| – | – | – | |
| – | 14.9% | 10.9% |
Cash flow
| In millions of USD | 2021 | 2022 | 2023 |
|---|---|---|---|
| – | 91 | 39 | |
| – | 3 | 1 | |
| – | 87 | 37 | |
| Dividends paid | – | 6 | 6 |
| – | 5 | 8 | |
| – | 2 | 2 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 14.6×
- –
- –
- 0.9×
- 2.8×
- 6.9%
- 2.6%
Profitability
- 19.1%
- 1.0%
- 7.9%
- 11.1%
- 1.0%
Growth
- −3.2%
- –
- +3.9%
- −2.6%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 26%of 854
Bottom 38%of 733
Bottom 46%of 876
Bottom 15%of 878
Top 23%of 929
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 23, 2026 | 2.08 | – | – |
| Jan 27, 2026 | 2.07 | – | – |
| Oct 23, 2025 | 2.18 | – | – |
| Jul 24, 2025 | 2.37 | – | – |
| Apr 24, 2025 | 1.66 | – | – |
| Jan 28, 2025 | 1.87 | – | – |
| Oct 29, 2024 | 1.65 | – | – |
| Jul 24, 2024 | 1.50 | – | – |
2.6%of the share price, paid each year
On $1,000 invested$26a year at today's yield, before tax
+3.9%2020 to 2025
Raised1 yearin a row, in our data
Paid per share, each year
$1.22 in 2015 → $1.84 in 2025
How safe it looks
25.4% of its profit
Room to growStretchedMore than it earns: 16.0%
News
ArrowMark Financial declares $0.15 dividendSeeking Alpha · Nov 14, 2026Sagicor Financial declares $0.075 dividendSeeking Alpha · Nov 14, 2026‘She has a history of financial mismanagement’: My brother cut our sister out of his will. I’ll get everything. Do I tell her?MarketWatch · Nov 13, 2026Sumitomo Mitsui Financial GAAP EPS of ¥232.59, total operating income of ¥1.43BSeeking Alpha · Nov 13, 2026Huang's exit, AI bubble and financial crisis fears in focus on Web Summit's last dayYahoo Finance · Nov 13, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
3/7Passes 3 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
60Pass
Benjamin Graham
77Pass
Philip Fisher
65Pass
Peter Lynch
52No pass
Joel Greenblatt
15No pass
Charlie Munger
58No pass
Terry Smith
45No pass
Questions about C&F Financial
Is C&F Financial a good stock to buy?
A solid business, and the price looks low. 3 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the C&F Financial AI analysis
What does C&F Financial 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 is in Banks - Regional.
Does C&F Financial pay a dividend?
Yes. At today's price the dividend is 2.6% a year, about 25% of its yearly profit. In 2023 it paid out $5.99 million in dividends.
Is C&F Financial stock halal?
No. C&F Financial does not pass our halal screen: its main business, banking, is not permitted. How we check
How has C&F Financial stock done over the past year?
Up 50.7% over the past twelve months, to $106.00. It traded between $66.77 and $112.23 and is 5.6% below its high.
Who are C&F Financial's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with C&F Financial's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.