C&F Financial Corp
cffc.comWhat Do They Do?
Provides banking services to individuals and businesses, originates residential mortgages, and finances automobile purchases through dealers.
10-K for FY2025, filed Mar 3, 2026We provide community banking services through C&F Bank. C&F Bank provides community banking services at its main office in West Point…View ↗
We conduct mortgage banking activities through C&F Mortgage, which was organized in September 1995, and its 51%-owned subsidiary, C&F…View ↗
We conduct consumer finance activities through C&F Finance. C&F Finance is a regional finance company purchasing automobile loans primarily…View ↗
How Do They Make Money?
Community Banking earns interest on loans and investments, alongside account, card and wealth-management fees; transaction charges arise when a service occurs, while monthly and wealth fees accrue over time. Mortgage Banking sells originated loans to investors and bills lenders based on loans closed; Consumer Finance earns interest on automobile, marine and recreational-vehicle loans.
10-K for FY2025, filed Mar 3, 2026April 1995, is a full-service brokerage firm offering a comprehensive range of wealth management services through third-party service…View ↗
We conduct mortgage banking activities through C&F Mortgage, which was organized in September 1995, and its 51%-owned subsidiary, C&F…View ↗
We conduct consumer finance activities through C&F Finance. C&F Finance is a regional finance company purchasing automobile loans primarily…View ↗
Service Charges on Deposit Accounts: The Corporation earns fees from its deposit customers for overdraft and account maintenance services.…View ↗
Other Service Charges and Fees: The Corporation earns fees from its customers for transaction-based services. Such services include ATM…View ↗
Wealth Management Services Income, Net: The Corporation earns revenue primarily by providing wealth management services to its customers…View ↗
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10-K for FY2025, filed Mar 3, 2026
FY2025 revenue by reportable segment ↗
$140.8M
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10-K for FY2025, filed Mar 3, 2026
$140.8M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Community Banking
|
70%
FY2022: 70%
|
Community Banking, FY2025
$99.2M Sources
|
|
|
Mortgage Banking
Sold outright
10-K for FY2025, filed Mar 3, 2026 |
11%
FY2022: 12%
|
Mortgage Banking, FY2025
$15.8M Sources
|
Sold outright |
|
Consumer Finance
Recurring
10-K for FY2025, filed Mar 3, 2026 |
19%
FY2022: 23%
|
Consumer Finance, FY2025
$26.9M Sources
|
Recurring |
|
Other Operating Segment
|
−0.7%
FY2022: −4.6%
|
Other Operating Segment, FY2025
−$937K Sources
|
Who Are Their Customers?
Individuals and businesses bank through C&F Bank's branches and digital channels. C&F Mortgage serves home borrowers and third-party mortgage lenders; C&F Finance buys installment contracts through franchised and selected independent dealers, financing auto borrowers indirectly.
10-K for FY2025, filed Mar 3, 2026We provide community banking services through C&F Bank. C&F Bank provides community banking services at its main office in West Point…View ↗
We conduct mortgage banking activities through C&F Mortgage, which was organized in September 1995, and its 51%-owned subsidiary, C&F…View ↗
We conduct consumer finance activities through C&F Finance. C&F Finance is a regional finance company purchasing automobile loans primarily…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 19 cents of every revenue dollar as net income in FY2025 and turned 16 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 10, 2026
Open tableView ↗
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Jun 18, 2026
C&F Finance CEO S. Dustin Crone plans to retire
He will remain CEO through December 31, 2026; Shawn Moore becomes president effective June 30, 2026.
Sources
8-K, filed Jun 18, 2026
On June 16, 2026, S. Dustin Crone, President and Chief Executive Officer of C&F Finance Company (C&F Finance) informed the Boards of…View ↗
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May 8, 2026
Sells its Bearing Insurance Group interest and restructures securities portfolio
The company estimates an $8.3 million pretax gain from the sale and a $7.1 million pretax loss from restructuring; it expects annualized earnings per share to improve $0.51.
Sources
8-K, filed May 8, 2026
Following the completion of the Transaction, the Corporation executed a strategic restructuring of a portion of its securities available…View ↗
Flat. Revenue was $140.8M in FY2025, about the same as the $135.2M of FY2021.
Marine and RV lending
The older report describes ongoing purchases of marine and recreational-vehicle loan contracts; the latest report says purchases under the third-party program ended, with the existing portfolio expected to run off.
10-K for FY2022, filed Feb 28, 2023 10-K for FY2025, filed Mar 3, 2026We conduct consumer finance activities through C&F Finance. C&F Finance is a regional finance company purchasing automobile, marine and…View ↗
We conduct consumer finance activities through C&F Finance. C&F Finance is a regional finance company purchasing automobile loans primarily…View ↗
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