CFFI – Dividend Returns, History & Calculator

Dividend Contender 12 Years

C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. It operates through three segments: Community Banking, Mortgage Banking, and Consumer Finance. The Communit

...

Company Info

Symbol CFFI
Company C&F Financial Corporation
Sector Financial Services
Industry Banks - Regional
Website Visit
Market Cap $223.4M

Price Data

Price $69.00
Price Change +0.70
Price Change % +1.02%
Next Earnings Oct 24, 2025
Low (52W) $53.14
High (52W) $89.90

Dividend Data

Div Yield 266.67%
5Y Avg Yield 308.89%
Current Div $0.460
Payouts/Year 4
Annualized $1.840
Previous Div $0.460
Ex-Date Sep 15, 2025

Growth Rates

Chowder Number 6.3
DGR 1Y 3.4%
DGR 3Y 4.0%
DGR 5Y 3.7%
DGR 10Y 4.3%

Total Returns

TTR 1Y - With Specials 19.2%
TTR 3Y - With Specials 11.6%
TTR 1Y - No Specials 19.2%
TTR 3Y - No Specials 11.6%

Fair Value

Fair Value (P/E 10) $51.46
FV (P/E 10) % 34.0%
Fair Value (Peter Lynch) $37.70
FV (Peter Lynch) % 83.0%

Financial Metrics

Revenue 1Y 9.4%
NPM 20.4%
CF/Share $10.72
ROE 10.7%
Debt/Capital 30.0%
ROTC 4.0%
P/E 9.2x
P/BV 0.9x
📊 Financial data last updated: October 16, 2025 9:55 am

Calculate your CFFI Dividend Returns

Quickly and easily calculate CFFI dividend yield using our CFFI calculator. Adjust the fields below to see how your CFFI investments snowball over time.

Show Idealized Scenario (Assumes all future extra investments and dividends are made on Day 1 and reinvested instantly — this creates a best-case scenario for compounding growth.)

Portfolio Growth Over Time

Data last updated: October 17, 2025 10:56 am

Year-by-Year Portfolio Growth (Realistic DRIP Scenario)

YearStart BalanceStart SharesShare PriceDividend / ShareDividend YieldYield on CostAnnual DividendTotal DividendsEnd SharesEnd Balance
1$10,000149$67.01$0.462.75%2.75%$298$298172$11,498
2$12,190172$71.04$0.482.69%2.85%$351$649193$13,741
3$14,567193$75.31$0.492.63%2.95%$406$1,055215$16,173
4$17,146215$79.84$0.512.57%3.06%$464$1,520236$18,810
5$19,941236$84.64$0.532.51%3.17%$525$2,045256$21,666
6$22,969256$89.73$0.552.46%3.29%$588$2,633276$24,757
7$26,246276$95.12$0.572.40%3.41%$655$3,288295$28,101
8$29,790295$100.84$0.592.35%3.54%$725$4,013314$31,715
9$33,622314$106.91$0.612.30%3.67%$798$4,811333$35,620
10$37,762333$113.34$0.642.25%3.81%$874$5,685351$39,836

CFFI Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
09/15/202509/15/2025$0.4602.57%2.60%$70.70
06/13/202506/13/2025$0.4602.88%2.94%$62.50
03/14/202503/14/2025$0.4602.49%2.57%$71.55
12/13/202412/13/2024$0.4402.25%2.25%$78.20
09/13/202409/13/2024$0.4403.07%3.07%$57.30
06/14/202406/14/2024$0.4403.91%3.91%$45.05
03/14/202403/14/2024$0.4403.62%3.62%$48.65
12/14/202312/14/2023$0.4402.62%2.62%$67.16
09/14/202309/14/2023$0.4403.25%3.28%$53.59
06/14/202306/14/2023$0.4403.09%3.16%$55.70
03/14/202303/14/2023$0.4402.93%3.07%$57.26
12/14/202212/14/2022$0.4202.95%3.02%$55.55
09/14/202209/14/2022$0.4203.27%3.39%$49.55
06/14/202206/14/2022$0.4003.31%3.31%$48.41
03/14/202203/14/2022$0.4003.13%3.13%$51.09
12/14/202112/14/2021$0.4003.10%3.14%$50.90
09/14/202109/14/2021$0.4002.99%3.06%$52.25
06/14/202106/14/2021$0.4003.02%3.14%$51.00
03/11/202103/11/2021$0.3803.07%3.07%$49.46
12/11/202012/11/2020$0.3804.14%4.14%$36.75
Page 1 of 1

CFFI 10-yr Total Return ($10,000 invested)

This analysis of CFFI demonstrates the power of dividend reinvestment over a 10-year period with a $10,000 initial investment. The dividend reinvestment strategy delivered a 10.0% CAGR, representing moderate long-term performance. Recent 5-year performance has been particularly strong at 18.5% annually, outpacing the 10-year average. The DRIP strategy provided 20% more total return compared to collecting dividends as cash, highlighting the compounding effect of reinvestment.

With DRIP No DRIP

Total Return with and without DRIP (CFFI)

Over the selected period, investing $10,000 in CFFI would grow to $36,010 with DRIP (260.1%), and $30,584 without DRIP (205.8%).

CFFI Dividend Reinvestment Snowball

Investing $10,000 + $100/mo in CFFI with historic price growth (6.01%) and dividend growth (3.70%) produces dramatically different outcomes depending on whether you reinvest dividends.

After 20 Years

Your Investment: $34,000

With DRIP

Portfolio: $108,357

Annual Dividend: $1,912

Yield on Cost: 5.62%

Total Dividends: $19,119

No DRIP

Portfolio: $93,112

Total Dividends: $15,330

After 30 Years

Your Investment: $46,000

With DRIP

Portfolio: $244,612

Annual Dividend: $3,461

Yield on Cost: 7.52%

Total Dividends: $44,929

No DRIP

Portfolio: $188,508

Total Dividends: $32,705

Milestones on the way

By year 13, the compounding really starts to show. Your total dividends collected reach $8,671 against a total investment of $25,600. At this point, your portfolio is throwing off $1,168 per year in dividends alone.

By year 17, the annual dividend climbs to around your initial contribution. For a starting investment of $10,000, the yearly dividend now sits at approximately $1,565, a powerful “income on autopilot” milestone.

After two decades, cumulative dividends total $19,119 versus $34,000 invested, nearly a 56% recovery of capital purely from income. Yield on cost reaches 5.62%.

At year 25, the income engine takes over. The portfolio’s annual dividend of $2,603 is greater than total contributions to date ($40,000), and cumulative dividends exceed $30,133.

By year 30, the DRIP snowball is in full force. Yearly income reaches $3,461, cumulative dividends total $44,929, and the DRIP portfolio value stands at $244,612, compared with $188,508 if dividends weren’t reinvested.

How we estimate these numbers

We use the latest calculator inputs for CFFI, price $67.01, dividend per period $0.46 (4×/year), along with historic growth assumptions: price growth 6.01% and dividend growth 3.70% annually.

We simulate month by month for 30 years. Every month, a $100 contribution is added and converted to shares at that month’s price. Dividends are paid roughly evenly across the year based on the dividend frequency; in the DRIP path, each payout immediately buys additional shares at the then-current price. In the No‑DRIP path, dividends accrue as cash. Prices grow using a monthly rate derived from the annual price growth. Dividends per share increase once per year at the annual dividend growth rate.

This model isn’t investment advice; it’s a simple, transparent framework that illustrates how reinvesting dividends can accelerate both income and total return over time.

Projected Future Returns & Dividends for CFFI

Based on past 10-year performance, here are CFFI growth metrics:

Share price CAGR of +9.03%
Dividend CAGR of +4.25%

Using CFFI CAGR metrics, we can estimate that your initial $10,000 investment, over the next 10 years, should grow as follows:

CFFI (DRIP)CFFI (No DRIP)
Current Price$67.01$67.01
Start Shares149.23149.23
Start Value$10,000$10,000
After 10 years:
Final Share Count184.86149.23
Dividends Payment$2.79$2.79
Annual Dividends$507$416
Yield on cost5.07%4.16%
Share Price$159.03$159.03
Total Dividends$3,896$3,478
Final Value$29,398$27,210

Estimated Future Value + Dividends – CFFI

Dividend History: Payments & Yield

Shows quarterly dividend payments with trailing yield and a 5-year rolling average overlay. Use the range pills to switch the visible period.

Yield Dividend

Dividend Growth

Lifetime quarterly dividend amounts, with range controls for 1Y/2Y/5Y/10Y. Useful to visualize the cadence and pace of dividend increases over time.

Dividend

Dividend Payments & Yield

Quarterly dividends with TTM yield and a 5‑year rolling average overlay. Helps compare current yield versus recent history across different ranges.

Dividend 5-yr Rolling AVG Yield

CFFI Dividend History

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
09/15/202509/15/2025$0.4602.57%2.60%$70.70
06/13/202506/13/2025$0.4602.88%2.94%$62.50
03/14/202503/14/2025$0.4602.49%2.57%$71.55
12/13/202412/13/2024$0.4402.25%2.25%$78.20
09/13/202409/13/2024$0.4403.07%3.07%$57.30
06/14/202406/14/2024$0.4403.91%3.91%$45.05
03/14/202403/14/2024$0.4403.62%3.62%$48.65
12/14/202312/14/2023$0.4402.62%2.62%$67.16
09/14/202309/14/2023$0.4403.25%3.28%$53.59
06/14/202306/14/2023$0.4403.09%3.16%$55.70
03/14/202303/14/2023$0.4402.93%3.07%$57.26
12/14/202212/14/2022$0.4202.95%3.02%$55.55
09/14/202209/14/2022$0.4203.27%3.39%$49.55
06/14/202206/14/2022$0.4003.31%3.31%$48.41
03/14/202203/14/2022$0.4003.13%3.13%$51.09
12/14/202112/14/2021$0.4003.10%3.14%$50.90
09/14/202109/14/2021$0.4002.99%3.06%$52.25
06/14/202106/14/2021$0.4003.02%3.14%$51.00
03/11/202103/11/2021$0.3803.07%3.07%$49.46
12/11/202012/11/2020$0.3804.14%4.14%$36.75
09/14/202009/14/2020$0.3805.00%5.00%$30.40
06/12/202006/12/2020$0.3804.38%4.41%$34.45
03/12/202003/12/2020$0.3804.71%4.77%$31.84
12/12/201912/12/2019$0.3802.74%2.79%$54.40
09/12/201909/12/2019$0.3702.85%2.85%$52.00
06/13/201906/13/2019$0.3702.89%2.91%$50.78
03/14/201903/14/2019$0.3702.78%2.86%$51.80
12/13/201812/13/2018$0.3702.82%2.96%$50.02
09/13/201809/13/2018$0.3602.29%2.39%$60.15
06/14/201806/14/2018$0.3402.30%2.31%$58.80
03/14/201803/14/2018$0.3402.61%2.65%$51.30
12/14/201712/14/2017$0.3402.20%2.25%$60.45
09/14/201709/14/2017$0.3302.71%2.71%$48.70
06/13/201706/13/2017$0.3302.72%2.74%$48.15
03/13/201703/13/2017$0.3302.98%3.02%$43.65
12/13/201612/13/2016$0.3302.60%2.66%$49.70
09/13/201609/13/2016$0.3202.99%2.99%$42.77
06/13/201606/13/2016$0.3202.96%3.01%$42.54
03/11/201603/11/2016$0.3203.18%3.28%$39.00
12/11/201512/11/2015$0.3203.21%3.36%$38.05
09/11/201509/11/2015$0.3003.43%3.43%$35.02
06/11/201506/11/2015$0.3003.31%3.31%$36.22
03/11/201503/11/2015$0.3003.32%3.32%$36.10
12/11/201412/11/2014$0.3003.04%3.07%$39.10
09/11/201409/11/2014$0.3003.40%3.46%$34.72
06/11/201406/11/2014$0.3003.22%3.30%$36.33
03/12/201403/12/2014$0.2903.20%3.20%$36.27
12/12/201312/12/2013$0.2902.62%2.62%$44.25
09/11/201309/11/2013$0.2902.28%2.28%$50.90
06/12/201306/12/2013$0.2902.18%2.21%$52.38
03/13/201303/13/2013$0.2902.71%2.83%$40.99
12/12/201212/12/2012$0.2903.13%3.36%$34.48
09/12/201209/12/2012$0.2702.63%2.70%$39.98
06/13/201206/13/2012$0.2602.77%2.79%$37.25
03/13/201203/13/2012$0.2603.41%3.48%$29.90
12/13/201112/13/2011$0.2604.41%4.54%$22.92
09/13/201109/13/2011$0.2504.67%4.67%$21.40
06/13/201106/13/2011$0.2504.74%4.74%$21.09
03/11/201103/11/2011$0.2504.30%4.30%$23.25
12/13/201012/13/2010$0.2504.76%4.76%$21.00
09/13/201009/13/2010$0.2505.48%5.48%$18.25
06/11/201006/11/2010$0.2505.08%5.08%$19.70
03/11/201003/11/2010$0.2504.89%4.89%$20.45
12/11/200912/11/2009$0.2505.44%5.13%$19.50
09/11/200909/11/2009$0.2505.60%5.00%$20.00
06/11/200906/11/2009$0.2507.38%6.25%$16.00
03/11/200903/11/2009$0.3109.93%9.93%$12.49
12/11/200812/11/2008$0.3108.49%8.49%$14.60
09/11/200809/11/2008$0.3105.90%5.90%$21.00
06/11/200806/11/2008$0.3104.55%4.55%$27.27
03/12/200803/12/2008$0.3104.35%4.35%$28.50
12/12/200712/12/2007$0.3103.82%3.82%$32.48
09/12/200709/12/2007$0.3102.89%2.89%$42.95
06/13/200706/13/2007$0.3102.81%2.86%$43.35
03/13/200703/13/2007$0.3102.67%2.76%$44.99
12/13/200612/13/2006$0.3102.92%3.12%$39.78
09/13/200609/13/2006$0.2902.90%3.01%$38.60
06/13/200606/13/2006$0.2902.69%2.88%$40.22
03/13/200603/13/2006$0.2702.59%2.72%$39.75
12/13/200512/13/2005$0.2702.58%2.79%$38.75
09/13/200509/13/2005$0.2502.52%2.60%$38.50
06/13/200506/13/2005$0.2402.38%2.43%$39.55
03/11/200503/11/2005$0.2402.39%2.49%$38.55
12/13/200412/13/2004$0.2402.28%2.43%$39.51
09/13/200409/13/2004$0.2202.26%2.32%$38.00
06/14/200406/14/2004$0.2202.27%2.43%$36.19
03/11/200403/11/2004$0.2201.90%2.15%$40.97
12/11/200312/11/2003$0.2001.67%1.86%$43.00
09/11/200309/11/2003$0.1801.53%1.62%$44.43
06/12/200306/12/2003$0.1801.65%1.80%$40.06
03/13/200303/13/2003$0.1602.16%2.19%$29.20
12/12/200212/12/2002$0.1602.51%2.59%$24.75
09/12/200209/12/2002$0.1602.77%2.91%$22.00
06/13/200206/13/2002$0.1502.59%2.59%$23.14
03/13/200203/13/2002$0.1502.81%2.86%$21.00
12/12/200112/12/2001$0.1503.07%3.17%$18.90
09/18/200109/18/2001$0.1503.17%3.33%$18.00
06/13/200106/13/2001$0.1403.38%3.45%$16.25
03/13/200103/13/2001$0.1403.57%3.70%$15.13
12/13/200012/13/2000$0.1403.46%3.66%$15.31
09/13/200009/13/2000$0.1303.28%3.28%$15.88
06/13/200006/13/2000$0.1303.07%3.13%$16.63
03/13/200003/13/2000$0.1303.76%3.91%$13.31
Page 1 of 1

Dividend Payout Ratio

Tracks the percentage of earnings paid out as dividends each quarter. Lower and stable ratios often indicate safer, more sustainable payouts.

Payout Ratio

Dividend to Free Cash Flow Ratio

Shows dividends as a percentage of free cash flow. Consistently high values may signal limited reinvestment capacity or potential dividend risk.

Dividend/FCF Ratio

Share Price

Historical closing price with range controls. Table view includes quarter‑over‑quarter and year‑over‑year changes for additional context.

CFFI Price

Price to Earnings

Price to Sales

Revenue

CFFI generated $0.0B in revenue.

Net Income

CFFI reported $0.0B in net income. Net income has grown by 30% over the period.

Revenue vs Net Income

CFFI generated $0.0B in revenue with net income of $0.0B, representing a 22.8% net profit margin.

Gross Profit

CFFI achieved $0.0B in gross profit, showing revenue after direct production costs.

Operating Income

CFFI generated $0.0B in operating income, representing profit from core business operations.

EBITDA

CFFI generated $0.0B in EBITDA, measuring operational profitability before interest, taxes, depreciation, and amortization.

Operating Cash Flow

CFFI generated $0.0B in operating cash flow, demonstrating the company’s ability to convert earnings into cash.

Free Cash Flow

CFFI generated $0.0B in free cash flow. Free cash flow has increased by 36% over the period.

Free Cash Flow / Share

CFFI generates $1.12 in free cash flow per share. FCF per share has grown by 36% over the period.

Earnings Per Share (EPS)

CFFI reported $1.12 in earnings per share. EPS has grown by 30% over the period.

Return on Equity (ROE)

CFFI delivered a 19.0% return on equity, indicating how effectively the company generates returns for shareholders.

Return on Assets (ROA)

CFFI achieved a 11.4% return on assets, measuring how efficiently the company uses its assets to generate profit.

Net Profit Margin

CFFI maintains a 22.8% net profit margin, showing the percentage of revenue retained as profit after all expenses.

Gross Profit Margin

CFFI operates with a 64.3% gross profit margin, reflecting pricing power and cost efficiency in core operations.

Cash & Debt

CFFI holds $0.0B in cash against $0.0B in debt, resulting in a net cash position of $0.0B.

Shares Outstanding

CFFI has 0.0B shares outstanding.

Stock-Based Comp

CFFI reported $0.0B in stock-based compensation.

FCF vs Stock Based Comp

CFFI generated $0.0B in free cash flow while spending $0.0B on stock-based compensation, representing 11% of FCF.

FCF vs FCF / Share

CFFI reported $0.0B in free cash flow, translating to $1.12 per share.

Revenue: Actual + Estimates

This chart tracks CFFI revenue: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EPS: Actual + Estimates

This chart tracks CFFI eps: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Net Income: Actual + Estimates

This chart tracks CFFI net income: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

EBITDA: Actual + Estimates

This chart tracks CFFI ebitda: actual + estimates metrics over time, providing insights into the company’s financial performance and trends.

Disclaimer: The information on this page is for educational and entertainment purposes only and does not constitute financial advice. Do your own research and consult a qualified financial advisor before making investment decisions. Data sources include Yahoo Finance and other third-party providers and may contain errors or delays.

Download now

Get your dividend champions spreadsheet.