C&F Finance

The Company owns and operates through its subsidiary, Citizens and Farmers Bank (the Bank or C&F Bank), which is an independent commercial bank. The Company's segments include Retail Banking, Mortgage Banking, Consumer Finance and Other. Through the Retail Banking segment, the Company engages in a range of lending activities, which include the origination of one- to four-family and multi-family residential mortgage loans, commercial real estate loans, construction loans, land acquisition and development loans, consumer loans and commercial business loans. The Company engages in residential mortgage lending through the Mortgage Banking segment. The Company engages in non-prime automobile lending through the Consumer Finance segment. Its Other segment includes a full-service brokerage firm. It conducts mortgage banking activities through C&F Mortgage Corporation. It conducts consumer finance activities through C&F Finance Company.

Henrico, US
Size (employees)
636 (est)+7%
C&F Finance was founded in 1995 and is headquartered in Henrico, US

C&F Finance Office Locations

C&F Finance has an office in Henrico
Henrico, US (HQ)
4660 S Laburnum Ave

C&F Finance Metrics

C&F Finance Financial Metrics

C&F Finance's revenue was reported to be $115.1 m in FY, 2016 which is a 7% increase from the previous period.

Revenue (FY, 2016)

$115.1 m

Revenue growth (FY, 2015 - FY, 2016), %


Gross profit (FY, 2016)

$106.1 m

Gross profit margin (FY, 2016), %


Net income (FY, 2016)

$13.5 m

EBIT (FY, 2016)

$62.4 m

Market capitalization (22-May-2017)

$168.4 m

Closing share price (22-May-2017)


Cash (31-Dec-2016)

$103.2 m


$204.6 m
C&F Finance's current market capitalization is $168.4 m.
FY, 2013FY, 2014FY, 2015FY, 2016


$80.2 m$106.1 m$107.8 m$115.1 m

Revenue growth, %


Cost of goods sold

$8.6 m$8.5 m$8.7 m$9 m

Gross profit

$71.6 m$97.5 m$99.1 m$106.1 m

Gross profit Margin, %



$56.5 m$61.6 m$62.8 m$62.4 m

EBIT margin, %


Interest income

$71.6 m$78 m$78.4 m$80.5 m

Pre tax profit

$21.1 m$17.1 m$17.4 m$17.9 m

Net Income

$14.4 m$12.3 m$12.5 m$13.5 m
FY, 2013FY, 2014FY, 2015FY, 2016


$148.1 m$167.6 m$152.9 m$103.2 m

Accounts Receivable

$6.4 m$6.4 m$6.8 m$7.3 m



$16.6 m$14.4 m$14.4 m$14.4 m

Total Assets

$1.3 b$1.3 b$1.4 b$1.5 b

Accounts Payable

$843 k$740 k$698 k$703 k

Total Debt

$144.8 m$141.9 m$152.1 m$139.4 m

Common Stock

$3.3 m$3.3 m$3.3 m$3.3 m

Additional Paid-in Capital

$10.7 m$9.5 m$10.4 m$11.7 m

Retained Earnings

$99.3 m$107.5 m$116.2 m$125.2 m

Total Equity

$131.1 m$139.2 m

Debt to Equity Ratio

1.2 x1 x

Debt to Assets Ratio

0.1 x0.1 x0.1 x0.1 x

Financial Leverage

10.7 x10.4 x
FY, 2013FY, 2014FY, 2015FY, 2016

Net Income

$14.4 m$12.3 m$12.5 m$13.5 m

Depreciation and Amortization

$2.3 m$2.7 m$2.5 m$2.6 m

Accounts Receivable

$333 k($61 k)($408 k)($432 k)


Accounts Payable

($905 k)($103 k)($42 k)$5 k

Cash From Operating Activities

$63.6 m$34.2 m$15.3 m$27.2 m

Purchases of PP&E

($36.2 m)($37.2 m)($52.5 m)

Cash From Investing Activities

$90.8 m($24.4 m)($83.7 m)($106.2 m)

Cash From Financing Activities

($31.9 m)$9.7 m$53.7 m$29.2 m

Interest Paid

$9.5 m$9.7 m$9 m$8.9 m

Income Taxes Paid

$6 m$3.6 m$560 k$2.3 m
Y, 2016


3.3 x


7.5 x


$192.4 k


1 x


0.1 x

Financial Leverage

10.4 x

C&F Finance Market Value History

C&F Finance Online Presence

C&F Finance Company Life

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