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C&F Financial Corporation operates as the holding company for Citizens and Farmers Bank that provides various banking and related financial services. The company offers retail banking, mortgage banking, and consumer finance services to individuals and businesses. It primarily engages in generating deposits and originating loans. The company's deposit products include demand deposits, checking, savings, and money market accounts, time deposits, and certificates of deposit. Its loan portfolio comprises one-to-four family and multifamily residential mortgage loans, commercial real estate loans, construction loans, land acquisition and development loans, consumer loans, and commercial business loans. C&F Financial Corporation also offers automated teller machines, Internet banking, credit card and trust services, investment services, travelersÂ’ checks, safe deposit box rentals, collection, notary public, wire service, and other customary bank services. In addition, the company provides brokerage, insurance, and title insurance services. As of December 31, 2008, it provided retail banking services through 17 branches in Virginia; and mortgage loan origination services through 13 locations in Virginia, 3 in Maryland, 2 in North Carolina, and 1 each in Delaware and New Jersey. The company was founded in 1927 and is based in West Point, Virginia.

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Key Statistics

Closing Price	29.60
Volume	6814
Volume Avg	3800
52 Week High	31.53
52 Week Low	19.00
PE	8.04
PE (group average)	27
EPS Year	3.72
EPS change Q/Q	-8.11%
EPS change Q/Q Yr ago	580%
EPS change Q/Q next Q est	-31.31%
EPS change Y/Y	-36.28%
REV change Q/Q	5.47%
REV change Q/Q Yr ago	5.06%
EPS next Q est	0.99
EPS next Y est	0.00
Divident Annual	1.02
Dividend Yield	3.45%