Company Quick10K Filing
C&F Financial
Closing Price ($) Shares Out (MM) Market Cap ($MM)
$0.00 3 $177
10-Q 2019-11-07 Quarter: 2019-09-30
10-Q 2019-08-05 Quarter: 2019-06-30
10-Q 2019-05-08 Quarter: 2019-03-31
10-K 2019-02-26 Annual: 2018-12-31
10-Q 2018-11-07 Quarter: 2018-09-30
10-Q 2018-08-08 Quarter: 2018-06-30
10-Q 2018-05-09 Quarter: 2018-03-31
10-K 2018-03-08 Annual: 2017-12-31
10-Q 2017-11-08 Quarter: 2017-09-30
10-Q 2017-08-08 Quarter: 2017-06-30
10-Q 2017-05-08 Quarter: 2017-03-31
10-K 2017-03-07 Annual: 2016-12-31
10-Q 2016-11-07 Quarter: 2016-09-30
10-Q 2016-08-08 Quarter: 2016-06-30
10-Q 2016-05-09 Quarter: 2016-03-31
10-K 2016-03-04 Annual: 2015-12-31
10-Q 2015-11-06 Quarter: 2015-09-30
10-Q 2015-08-07 Quarter: 2015-06-30
10-Q 2015-05-11 Quarter: 2015-03-31
10-K 2015-03-11 Annual: 2014-12-31
10-Q 2014-11-10 Quarter: 2014-09-30
10-Q 2014-08-11 Quarter: 2014-06-30
10-Q 2014-05-12 Quarter: 2014-03-31
10-K 2014-03-07 Annual: 2013-12-31
10-Q 2013-11-07 Quarter: 2013-09-30
10-Q 2013-08-08 Quarter: 2013-06-30
10-Q 2013-05-08 Quarter: 2013-03-31
10-K 2013-03-05 Annual: 2012-12-31
10-Q 2012-11-08 Quarter: 2012-09-30
10-Q 2012-08-07 Quarter: 2012-06-30
10-Q 2012-05-08 Quarter: 2012-03-31
10-K 2012-03-05 Annual: 2011-12-31
10-Q 2011-11-08 Quarter: 2011-09-30
10-Q 2011-08-08 Quarter: 2011-06-30
10-Q 2011-05-06 Quarter: 2011-03-31
10-K 2011-03-03 Annual: 2010-12-31
10-Q 2010-11-05 Quarter: 2010-09-30
10-Q 2010-08-06 Quarter: 2010-06-30
10-Q 2010-05-06 Quarter: 2010-03-31
10-K 2010-03-03 Annual: 2009-12-31
8-K 2020-01-01 Other Events, Exhibits
8-K 2019-12-19 Other Events, Exhibits
8-K 2019-11-20 Regulation FD, Exhibits
8-K 2019-11-19 Other Events
8-K 2019-10-24 Earnings, Other Events, Exhibits
8-K 2019-10-15
8-K 2019-08-21 Regulation FD, Exhibits
8-K 2019-08-13 Other Events, Exhibits
8-K 2019-08-13 Enter Agreement, Exhibits
8-K 2019-07-23 Earnings, Exhibits
8-K 2019-06-13 Officers, Exhibits
8-K 2019-05-21 Regulation FD, Other Events, Exhibits
8-K 2019-04-23 Earnings, Exhibits
8-K 2019-04-16 Shareholder Vote
8-K 2019-02-20 Regulation FD, Exhibits
8-K 2019-01-24 Earnings, Exhibits
8-K 2018-12-18 Officers, Regulation FD, Exhibits
8-K 2018-11-28 Other Events, Exhibits
8-K 2018-10-25 Earnings, Exhibits
8-K 2018-08-22 Other Events, Exhibits
8-K 2018-07-24 Earnings, Exhibits
8-K 2018-05-23 Other Events, Exhibits
8-K 2018-04-17 Earnings, Exhibits
8-K 2018-04-17 Officers, Exhibits
8-K 2018-04-17 Officers, Exhibits
8-K 2018-02-21 Other Events, Exhibits
8-K 2018-02-20 Officers, Exhibits
8-K 2018-01-25 Earnings, Exhibits

C&F Financial Financials

CFFI Metrics, Comps, Filings

Annual | Quarterly

Business

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 Bank originally opened for business under the name Farmers and Mechanics Bank on January 22, 1927. C&F Bank has the following five wholly-owned subsidiaries, all incorporated under the laws of the Commonwealth of Virginia:

· C&F Wealth Management Corporation

The Corporation operates in a decentralized manner in three principal business segments: (1) retail banking through C&F Bank, (2) mortgage banking through C&F Mortgage Corporation (C&F Mortgage) and (3) consumer finance through C&F Finance Company (C&F Finance). For detailed information about the financial condition and results of operations of these segments, see “Note 18: Business Segments” in Item 8. “Financial Statements and Supplementary Data” in this report. C&F Wealth Management Corporation, organized in April 1995, is a full-service brokerage firm offering a comprehensive range of wealth management services and insurance products through third-party service providers. C&F Insurance Services, Inc. was organized in July 1999 for the primary purpose of owning an equity interest in an independent insurance agency that operates in Virginia and North Carolina. CVB Title Services, Inc. was organized for the primary purpose of owning an equity interest in a full service title and settlement agency. The financial position and operating results of C&F Wealth Management Corporation, C&F Insurance Services, Inc. and CVB Title Services, Inc. are not significant to the Corporation as a whole.


Valuation ($BB)

Market Cap, Enterprise Value

Balance Sheet ($BB)

Assets, Stockholders' Equity

Income Statement ($BB Annual)

Revenue, Gross Profit, Net Income

Cash Flow ($BB Annual)

Operating, Investing, Financing

Comps ($MM TTM) Market Cap Gross Margin EV/EBITDA Ret on Assets Assets Liabilities Revenue G Profit Net Income EBITDA EV
Bank of Commerce Holdings (BOCH) 191 6.2 1% 1,442 1,274 0 0 15 26 160
DNB Financial (DNBF) 190 5.7 1% 1,154 1,036 0 0 11 25 144
Midsouth Bancorp (MSL) 190 1.5 -2% 1,715 1,494 0 0 -36 -28 -42
Community Financial (TCFC) 189 0% 4.6 1% 1,756 1,593 28 0 15 40 181
United Security Bancshares (UBFO) 187 -4.9 2% 1,006 893 0 0 16 25 -123
Coastal Financial (CCB) 186 6.1 1% 1,031 914 0 0 12 22 132
Level One Bancorp (LEVL) 184 4.9 1% 1,505 1,343 0 0 14 36 180
Northeast Bancorp (NBN) 177 0.5 2% 1,231 1,078 0 0 19 46 25
C&F Financial (CFFI) 177 0% 4.9 1% 1,568 1,409 122 0 19 36 177
Ohio Valley Banc (OVBC) 174 5.9 1% 1,035 911 0 0 10 18 104
Evans Bancorp (EVBN) 173 0% 9.6 0% 1,471 1,330 11 0 0 12 113
Community Bankers Trust (ESXB) 172 0% 5.4 1% 1,431 1,284 2 0 14 32 172
Mackinac Financial (MFNC) 170 0% 3.7 1% 1,331 1,173 1 0 13 29 109
Bank7 (BSVN) 168 1.2 3% 798 699 0 0 23 35 44
Capital Bancorp (CBNK) 167 3.3 1% 1,234 1,111 0 0 11 27 87
Peoples Bancorp of North Carolina (PEBK) 165 6.0 1% 1,111 985 0 0 14 19 114
Hawthorn Bancshares (HWBK) 165 3.9 1% 1,471 1,362 0 0 15 35 136
Oak Valley Bancorp (OVLY) 159 3.7 1% 1,069 962 0 0 12 18 68
FNCB Bancorp (FNCB) 158 0% 7.4 1% 1,199 1,069 1 0 14 31 226
OP Bancorp (OPBK) 158 0% 2.1 1% 1,128 992 2 0 16 36 75

Balance Sheet ($MM)2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-31
Cash0148111
Accounts Receivable
Inventory
PP&E2827823737363737
Assets9281231391491571651,5091,521
Accounts Payable
Long-Term Debt133133133
Liabilities8328751,1991,2101,2741,3131,3671,369
Stockholders' Equity96102113123131139142152
Income Statement ($MM)2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-31
Revenue110106108115116118
Cost of Revenue
Gross Profit
R&D
SG&A11222
Tax68-6412115
Net Income131614121313718
Cash Flow ($MM)2011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-31
Cash Operating2812296542747
Cash Investing-310-300-84-106-60-48
Cash Financing5-121-6-4-450-4