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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.
20.76% net margin is respectable. The institution appears to be managing its interest spread and credit risk adequately.
Revenue grew 13.4% YoY.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$132M
▲ +13.4% YoY
Net Income (TTM)
$28M
▲ +35.3% YoY
Net Margin
21.31%
P/E
—
Balance Sheet
Total Assets
$2.81B
Equity
$265M
Total Debt
$20M
Cash & Equiv.
$77M
5Y CAGR: +0.3%
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