What one share of C & F Financial holds
C&F Financial Corporation (the Corporation) is a bank holding company that was incorporated in March 1994 under the laws of the Commonwealth of Virginia. The Corporation owns all of the stock of Citizens and Farmers Bank (the Bank or C&F Bank), which is an independent commercial bank chartered under the laws of the Commonwealth of Virginia.
C & F Financial’s numbers from its SEC filings, divided by its shares. Results cover the last 12 months to 2026-06-30; the balance sheet is as of 2026-06-30.
| Sales | $45.94 |
|---|---|
| Profit | $8.97 |
| Capex (buildings and equipment) | $1.30 |
| Free cash flow | $11.89 |
| Dividends | $1.88 |
| Cash and investments | $19.11 |
| Book value | $85.46 |
Per share by fiscal year
| Year | Sales | Profit | Capex | Free cash | Dividends | Book value |
|---|---|---|---|---|---|---|
| 2009 | — | $1.44 | $0.14 | $10.29 | $1.06 | $29.11 |
| 2010 | $32.27 | $2.26 | $0.37 | −$4.72 | $1.00 | $29.75 |
| 2011 | $31.79 | $3.72 | $0.58 | $8.24 | $1.01 | $30.23 |
| 2012 | $26.46 | $4.86 | $0.27 | $8.71 | $1.08 | $31.41 |
| 2013 | $27.08 | $4.19 | $1.06 | $17.42 | $1.16 | $33.40 |
| 2014 | $28.34 | $3.59 | $0.53 | $9.42 | $1.19 | $36.16 |
| 2015 | $29.12 | $3.68 | $0.53 | $3.98 | $1.22 | $38.12 |
| 2016 | $30.82 | $3.89 | $0.78 | $7.02 | $1.29 | $40.09 |
| 2017 | $30.75 | $1.88 | $1.20 | $6.19 | $1.33 | $40.53 |
| 2018 | $30.81 | $5.15 | $0.96 | $12.62 | $1.41 | $43.45 |
| 2019 | $32.43 | $5.47 | $0.78 | −$5.02 | $1.49 | $47.93 |
| 2020 | $37.86 | $6.06 | $2.80 | −$24.83 | $1.52 | $52.80 |
| 2021 | $37.51 | $7.95 | $1.33 | $42.34 | $1.58 | $59.32 |
| 2022 | $34.88 | $8.29 | $0.96 | $24.78 | $1.64 | $56.27 |
| 2023 | $37.32 | $6.92 | $0.43 | $10.95 | $1.76 | $64.28 |
| 2024 | $38.58 | $6.01 | $1.06 | $10.09 | $1.76 | $70.00 |
| 2025 | $43.50 | $8.29 | $0.72 | $6.84 | $1.84 | $80.64 |
Common questions about C & F Financial
How much does one share of C & F Financial earn?
Over the last 12 months, each share of C & F Financial earned $8.97 of profit on $45.94 of sales, keeping about 20¢ of every $1 (profit margin).
Does C & F Financial pay a dividend?
Yes. C & F Financial paid $1.88 per share in dividends over the last 12 months, and it paid a dividend in every year from 2009 to 2025 in StockSlicer’s data. That’s about 21¢ of each $1 of profit (payout ratio).
What is C & F Financial’s book value per share?
C & F Financial’s book value is $85.46 per share: what would be left for each share if it sold everything at the values on its books and paid every debt, as of June 30, 2026.
How much cash and debt does each share of C & F Financial have?
Each share of C & F Financial has $19.11 of cash and investments, as of June 30, 2026.
What is C & F Financial’s free cash flow per share?
$11.89 per share over the last 12 months. Free cash flow is the cash left over after spending on buildings and equipment.
How has C & F Financial’s profit per share changed over time?
Profit per share went from $1.44 in 2009 to $8.29 in 2025, growing about 11.6% a year (adjusted for stock splits).
Has C & F Financial bought back shares?
C & F Financial’s share count rose about 6% from 2009 to 2025. That dilution means each share owns a smaller slice of the company.
From its SEC filings. For education only, not investment advice. New to these words? See the StockSlicer glossary.