C & F FINANCIAL CORP
CFFI · State Commercial Banks · 3.3M shares · -0%/yr ↓ buyback · EDGAR filings ↗
Net buyback after stock comp: $6M (gross $8M, SBC $2M)
Reference price $77.50 · est. market cap ~$252M — last insider sale, 2026-06-12 (estimated from the dated SEC Form 4 price × shares outstanding — not a live quote)
Grade
C67C&F Financial — Virginia bank with consumer-finance and mortgage arms.
Strengths
- Revenue +11% (82nd pct), net income +35% (67th)
- Diversified lending mix
Risks
- Weak cash-flow margins (9th)
- Consumer-credit and rate sensitivity
Notable findings
Quarterly revenue
Last 4 quarters · from SEC filings.
Key metrics
Net margin
19.1%
Return on equity
10.3%
Return on assets
1.0%
Revenue growth (QoQ)
1.0%
Net-income growth
35.3%
Free cash flow
$22M
Tangible book value
$236M
Stock comp / revenue
1.3%
Insider transactions · last 18 months
| Date | Insider | Type | Shares | Price |
|---|---|---|---|---|
| 2026-06-12 | CHERRY THOMAS F | Sell | 141 | $77.50 |
| 2026-06-11 | CHERRY THOMAS F | Sell | 30 | $78.50 |
| 2026-06-10 | CHERRY THOMAS F | Sell | 329 | $78.50 |
| 2026-06-09 | CHERRY THOMAS F | Sell | 678 | $75.56 |
| 2026-06-08 | CHERRY THOMAS F | Sell | 200 | $75.00 |
| 2026-06-05 | Long Jason E | Sell | 1.4K | $75.50 |
| 2026-05-27 | CHERRY THOMAS F | Sell | 500 | $75.00 |
| 2026-05-13 | Kelley Elizabeth R | Sell | 1.0K | $73.00 |
| 2026-04-21 | ROBINSON PAUL C | Grant | 450 | — |
| 2026-04-21 | NAPIER JAMES T | Grant | 450 | — |
| 2026-04-21 | CAUSEY J P JR | Grant | 450 | — |
| 2026-04-21 | PEAY D ANTHONY | Grant | 450 | — |
| 2026-04-21 | Downs David Hendrick | Grant | 450 | — |
| 2026-04-21 | Smith Jeffery O | Grant | 450 | — |
| 2026-04-21 | Sisson George R III | Grant | 450 | — |
| 2026-04-21 | Kelley Elizabeth R | Grant | 450 | — |
| 2026-04-21 | Agnew Julie R | Grant | 450 | — |
| 2026-04-21 | Olsson Charles Elis | Grant | 450 | — |
| 2026-04-21 | Holmes Audrey Dale | Grant | 450 | — |
| 2026-03-01 | Crone S Dustin | Tax withheld | 536 | $72.82 |
| 2026-03-01 | CHERRY THOMAS F | Tax withheld | 1.9K | $72.82 |
| 2026-03-01 | Long Jason E | Tax withheld | 865 | $72.82 |
| 2026-03-01 | Fox Mark A | Tax withheld | 278 | $72.82 |
| 2026-02-26 | CHERRY THOMAS F | Sell | 11 | $78.25 |
| 2026-02-24 | CHERRY THOMAS F | Grant | 4.3K | — |
| 2026-02-24 | DILLON LARRY G | Grant | 675 | — |
| 2026-02-24 | Fox Mark A | Grant | 800 | — |
| 2026-02-24 | Long Jason E | Grant | 1.9K | — |
| 2026-02-24 | Seaman John A III | Grant | 800 | — |
| 2026-02-24 | Crone S Dustin | Grant | 1.0K | — |
| 2026-02-18 | DILLON LARRY G | Tax withheld | 282 | $77.00 |
| 2026-02-18 | Seaman John A III | Tax withheld | 266 | $77.00 |
| 2025-08-22 | CHERRY THOMAS F | Sell | 1.2K | $71.00 |
| 2025-05-29 | PEAY D ANTHONY | Sell | 136 | $66.94 |
| 2025-05-20 | PEAY D ANTHONY | Sell | 103 | $66.86 |
| 2025-05-19 | PEAY D ANTHONY | Sell | 254 | $68.04 |
| 2025-05-15 | PEAY D ANTHONY | Sell | 31 | $67.96 |
| 2025-05-14 | PEAY D ANTHONY | Sell | 476 | $68.41 |
| 2025-04-15 | Kelley Elizabeth R | Grant | 425 | — |
| 2025-04-15 | Holmes Audrey Dale | Grant | 425 | — |
| 2025-04-15 | CAUSEY J P JR | Grant | 425 | — |
| 2025-04-15 | ROBINSON PAUL C | Grant | 425 | — |
| 2025-04-15 | Olsson Charles Elis | Grant | 425 | — |
| 2025-04-15 | Agnew Julie R | Grant | 425 | — |
| 2025-04-15 | Smith Jeffery O | Grant | 425 | — |
| 2025-04-15 | Sisson George R III | Grant | 425 | — |
| 2025-04-15 | PEAY D ANTHONY | Grant | 425 | — |
| 2025-04-15 | NAPIER JAMES T | Grant | 425 | — |
| 2025-03-05 | CHERRY THOMAS F | Sell | 121 | $74.00 |
| 2025-03-04 | CHERRY THOMAS F | Sell | 179 | $78.00 |
| 2025-03-03 | Fox Mark A | Sell | 1.0K | $81.00 |
| 2025-03-01 | CHERRY THOMAS F | Tax withheld | 1.9K | $79.70 |
| 2025-03-01 | Long Jason E | Tax withheld | 817 | $79.70 |
| 2025-03-01 | Fox Mark A | Tax withheld | 326 | $79.70 |
| 2025-03-01 | Crone S Dustin | Tax withheld | 598 | $79.70 |
| 2025-02-20 | Seaman John A III | Tax withheld | 371 | $80.33 |
| 2025-02-20 | DILLON LARRY G | Tax withheld | 424 | $80.33 |
| 2025-02-18 | CHERRY THOMAS F | Grant | 3.5K | — |
| 2025-02-18 | DILLON LARRY G | Grant | 650 | — |
| 2025-02-18 | Seaman John A III | Grant | 625 | — |
| 2025-02-18 | Fox Mark A | Grant | 525 | — |
| 2025-02-18 | Crone S Dustin | Grant | 975 | — |
| 2025-02-18 | Long Jason E | Grant | 1.6K | — |
All non-derivative Form 4 activity (SEC), newest first.
Notable events (8-K)
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 8-K | 2026-06-18 | 2026-06-16 | 0000913341-26-000036 ↗ |
| 8-K | 2026-05-20 | 2026-05-20 | 0000913341-26-000031 ↗ |
| 10-Q | 2026-05-11 | 2026-03-31 | 0000913341-26-000028 ↗ |
| 8-K | 2026-05-08 | 2026-05-07 | 0000913341-26-000026 ↗ |
| 8-K | 2026-04-30 | 2026-04-30 | 0000913341-26-000023 ↗ |
| 8-K | 2026-04-23 | 2026-04-21 | 0000913341-26-000019 ↗ |
| 8-K | 2026-04-23 | 2026-04-23 | 0000913341-26-000021 ↗ |
| 10-K | 2026-03-03 | 2025-12-31 | 0000913341-26-000010 ↗ |
| 8-K | 2026-02-25 | 2026-02-25 | 0000913341-26-000007 ↗ |
| 8-K | 2026-01-27 | 2026-01-27 | 0000913341-26-000005 ↗ |
| 8-K | 2026-01-23 | 2026-01-20 | 0000913341-26-000003 ↗ |
| 8-K | 2025-12-17 | 2025-12-16 | 0000913341-25-000062 ↗ |