C&F Financial Corporation CFFI

Company Overview

C&F Financial Corporation (NASDAQ: CFFI) is a U.S.-based bank holding company headquartered in Toano, Virginia. Through its primary subsidiary, Citizens and Farmers Bank, the company provides a range of community banking and specialty finance services focused primarily on consumers and small-to-medium-sized businesses. The company operates in the banking and financial services industries, with activities spanning commercial banking, mortgage lending, and consumer finance. Its principal revenue drivers include net interest income from loans and securities, fees from banking services, mortgage banking revenue, and consumer finance income.

The company’s core business lines include traditional retail and commercial banking, indirect automobile lending, and mortgage lending. C&F Financial has developed a regional banking model centered on relationship-based community banking in Virginia while also operating broader consumer finance activities through specialized lending platforms. Founded in 1927, the company evolved from a traditional community bank into a diversified financial institution through expansion into consumer finance and mortgage operations. Public filings and banking industry disclosures indicate that its strategy emphasizes disciplined credit underwriting, localized market knowledge, and diversified lending operations.