C&F Financial Corporation
CFFI
Rank in Stocks
#14014
C&F Financial Corporation functions as a bank holding company, providing... C&F Financial Corporation functions as a bank holding company, providing oversight for Citizens and Farmers Bank, which delivers a comprehensive range of banking services to both individuals and businesses. Its Retail Banking division offers a diverse suite of services, including checking and savings accounts, in addition to various loan products such as business, real estate, development, mortgage, home equity, and installment loans. This segment also ensures convenient access to amenities like ATMs, internet and mobile banking, and debit and credit cards. Further services include safe deposit box rentals, notary public assistance, electronic transfers, and other standard banking facilities. These retail services are provided through its main office situated in West Point, Virginia, supplemented by 30 additional branches across the state. One branch each is found in Albermarle, Goochland, Hanover, Middlesex, Powhatan, Stafford, York, Charlottesville, Hampton, Montross, Newport News, Richmond, Warsaw, and Williamsburg. Furthermore, two branches are located in each of Cumberland, James City, King George, and New Kent counties, while four branches serve both Chesterfield and Henrico counties. The Mortgage Banking segment specializes in a broad spectrum of residential mortgage loans. It facilitates conventional mortgages, those insured by the Federal Housing Administration (FHA), and loans guaranteed by both the United States Department of Agriculture (USDA) and the Veterans Administration (VA). This division also offers supporting services for mortgage origination, including residential appraisals, and extends various mortgage origination functions to third-party clients. Mortgage services are available through 11 offices in Virginia, one office in Maryland, two offices in North Carolina, and one office each in South Carolina and West Virginia. The company's Consumer Finance segment, with offices in Richmond and Hampton, Virginia, primarily provides automobile loans. Beyond these core banking operations, C&F Financial Corporation also furnishes brokerage and wealth management services, alongside various insurance products. Additionally, the company delivers title and settlement agency services. C&F Financial Corporation was established in 1927 and maintains its headquarters in West Point, Virginia.
Share Price
$107.70
Last synced: 2026-11-09
Market Cap
$350.15M
Change (1 day)
2.45%
Change (1 year)
51.90%
Country
Stock data: Financial Modeling PrepΒ·Updated Β·Not investment adviceΒ·How we calculate this
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Category
Financial Services
Operating Margin for C&F Financial Corporation (CFFI)
Operating Margin as of November 2026 TTM: 19.22%
According to C&F Financial Corporation's latest financial reports, its current operating margin (TTM) is 19.22%. At the end of 2025 the company had an operating margin of 17.77%.
Operating Margin history for C&F Financial Corporation from 2000 to 2026
Operating Margin at the end of each year
| Year | Operating Margin | Change |
|---|---|---|
| 2026 (TTM) | 19.22% | 8.16% |
| 2025 | 17.77% | 22.64% |
| 2024 | 14.49% | -25.58% |
| 2023 | 19.47% | -34.97% |
| 2022 | 29.94% | 10.03% |
| 2021 | 27.21% | 38.05% |
| 2020 | 19.71% | 2.76% |
| 2019 | 19.18% | -0.05% |
| 2018 | 19.19% | 24.77% |
| 2017 | 15.38% | -0.90% |
| 2016 | 15.52% | -3.78% |
| 2015 | 16.13% | -2.30% |
| 2014 | 16.51% | -22.01% |
| 2013 | 21.17% | -14.01% |
| 2012 | 24.62% | 19.69% |
| 2011 | 20.57% | 85.15% |
| 2010 | 11.11% | 51.16% |
| 2009 | 7.35% | 39.20% |
| 2008 | 5.28% | -59.51% |
| 2007 | 13.04% | -36.14% |
| 2006 | 20.42% | -8.10% |
| 2005 | 22.22% | -10.15% |
| 2004 | 24.73% | -12.65% |
| 2003 | 28.31% | 6.03% |
| 2002 | 26.70% | 7.79% |
| 2001 | 24.77% | 14.36% |
| 2000 | 21.66% | 0.00% |
Operating Margin for similar companies or competitors
| Company | Operating Margin | Operating Margin Difference | Country |
|---|---|---|---|
| 54.30% | -97.17% |
CN
|
|
| 57.52% | -97.01% |
IT
|
|
| 21.82% | -98.86% |
IN
|
|
| 26.74% | -98.61% |
IN
|
|
| 20.55% | -98.93% |
JP
|
What is a company's Operating Margin?
The operating margin is a key indicator to assess the profitability of a company. Higher operating margins are generaly better as they show that a company is able to sell its products or services for much more than their production costs. The operating margin is calculated by dividing a company's earnings by its revenue.
Questions about C&F Financial Corporation's operating margin
What is C&F Financial Corporation's operating margin?
C&F Financial Corporation's operating margin is 19.22%, as of Nov 2026.
What was C&F Financial Corporation's operating margin in 2025?
In 2025, C&F Financial Corporation's operating margin was 17.77%, compared with 14.49% in 2024.
How has C&F Financial Corporation's operating margin changed since 2020?
From 2020 to 2025, C&F Financial Corporation's operating margin was highest in 2022 (29.94%) and lowest in 2024 (14.49%).
How does C&F Financial Corporation's operating margin compare with similar companies?
C&F Financial Corporation's operating margin (19.22%) is lower than that of all 5 similar companies listed above. The highest among them is UniCredit S.p.A., with 57.52%.