Trailing Dividend / Share
$1.84
C&F Financial Corporation (CFFI) Dividend History
Income profile from 1998 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
2.3%
Payout Ratio
22.2%
Sustainable
Dividend Streak
1 years
CFFI Dividend Income Check
Safety
22.2% payout ratio with sustainable safety profile.
Consistency
1 straight years of dividend increases.
Income Trend
Yield on cost is 5.0% and trend is rising.
CFFI Dividend Scorecard
Yield & Income
Dividend Yield2.3%
Trailing DPS$1.84
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout22.2%
Earnings SafetySustainable
FCF Payout27.4%
FCF SafetyWell Covered
Piotroski F-Score8/9
Growth
Growth Streak1 years
3Y CAGR3.9%
5Y CAGR3.9%
Yield on Cost (5Y)5.0%
YOC Trendrising
Total Returns
Buyback Yield0.4%
Total Shareholder Yield2.7%
1Y Total Return33.8%
5Y Total Return69.8%
Div Contribution (5Y)17.1%
Estimated $10K growth (return + dividends):
5Y ago$16,97910Y ago$23,17520Y ago$26,601
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). Different time windows can produce different outcomes depending on market regime and entry point.
CFFI Income Growth Story
Dividend per share and yield on cost over time (29 years of payments)
CFFI Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Dividend Analysis
Payout Safety
C&F Financial Corporation distributes 22.2% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 27.4%, rated "Well Covered".
Piotroski F-Score: 8/9 — strong financial health.
Growth Track Record
CFFI has raised its dividend for 1 consecutive year, with a 3-year CAGR of 3.9% and 5-year CAGR of 3.9%.
Total Shareholder Returns
Beyond cash dividends, CFFI returns capital through share repurchases. The combined picture: 2.3% dividend yield, 0.4% buyback yield, 2.7% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 5.0% and is currently rising. The 5-year total return is 69.8%, with dividends contributing 17.1% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $23,175 today.
CFFI Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$8.76
Avg/Payment$0.4380
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Jun 15, 2026Latest | $0.4800 | — | 2.53% | Jul 1, 2026 |
| Mar 13, 2026 | $0.4800 | ↑ +4.3% | 2.60% | Apr 1, 2026 |
| Dec 15, 2025 | $0.4600 | — | 2.43% | Jan 1, 2026 |
| Sep 15, 2025 | $0.4600 | — | 2.57% | Oct 1, 2025 |
| Jun 13, 2025 | $0.4600 | — | 2.88% | Jul 1, 2025 |
| Mar 14, 2025 | $0.4600 | ↑ +4.5% | 2.49% | Apr 1, 2025 |
| Dec 13, 2024 | $0.4400 | — | 2.25% | Jan 1, 2025 |
| Sep 13, 2024 | $0.4400 | — | 3.07% | Oct 1, 2024 |
CFFI Dividend vs Peers
Comparable companies in the same industry
#3 yield in peer group
Div Yield
2.3%
#3 of 9
Safety
Sustainable
22.2% payout
Streak
1Y
3.9% 5Y CAGR
Total Shareholder
2.7%
#6 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
3rd CFFIC&F Financial Corpor… | $255M | 2.3% | 22.2% | 1 | Sustainable |
1st  NKSHNational Bankshares,… | $225M | 4.3% | 60.7% | 0 | Watch |
 CZWICitizens Community B… | $205M | 1.7% | 25.0% | 6 | Sustainable |
 MNSBMainStreet Bancshare… | $176M | 1.7% | 19.5% | 0 | Sustainable |
 FXNCFirst National Corpo… | $265M | 2.1% | 31.2% | 11 | Sustainable |
2nd  LKFNLakeland Financial C… | $1.6B | 3.3% | 49.7% | 14 | Sustainable |
 FFINFirst Financial Bank… | $4.7B | 2.3% | 41.8% | 15 | Sustainable |
 HBCPHome Bancorp, Inc. | $519M | 1.7% | 19.5% | 12 | Sustainable |
 CHMGChemung Financial Co… | $341M | 1.9% | 41.9% | 1 | Sustainable |
CFFI Annual Dividend History (1996–2026)
31 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.96 | — | 2 | — | — | — | 2.6% |
| 2025 | $1.84 | 4.5% | 4 | $8.29 | 22.2% | 4.51x | 5.0% |
| 2024 | $1.76 | 0.0% | 4 | $6.01 | 29.3% | 3.41x | 4.8% |
| 2023 | $1.76 | 7.3% | 4 | $6.92 | 25.4% | 3.93x | 4.8% |
| 2022 | $1.64 | 3.8% | 4 | $8.29 | 19.8% | 5.05x | 4.4% |
| 2021 | $1.58 | 3.9% | 4 | $7.95 | 19.9% | 5.03x | 4.3% |
| 2020 | $1.52 | 2.0% | 4 | $6.06 | 25.1% | 3.99x | 4.1% |
| 2019 | $1.49 | 5.7% | 4 | $5.47 | 27.2% | 3.67x | 4.0% |
| 2018 | $1.41 | 6.0% | 4 | $5.15 | 27.4% | 3.65x | 3.8% |
| 2017 | $1.33 | 3.1% | 4 | $1.88 | 70.7% | 1.41x | 3.6% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
28+ years return with dividends reinvested.
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DCA Calculator
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Peer Comparison
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CFFI — Frequently Asked Questions
Quick answers to the most common questions about buying CFFI stock.
How much dividend does CFFI pay per share?
C&F Financial Corporation (CFFI) pays a trailing 12-month dividend of $1.84 per share, with a current dividend yield of +2.3%. Payments are made Semi-Annual.
When is CFFI's next ex-dividend date?
CFFI's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. CFFI typically pays dividends Semi-Annual.
Is CFFI's dividend safe?
CFFI's dividend safety is rated "Sustainable" based on an earnings payout ratio of +22.2% and FCF payout ratio of +27.4%. The 1-year growth streak provides moderate confidence.
How many years has CFFI increased its dividend?
CFFI has 1 consecutive years of dividend growth. The 5-year dividend CAGR is +3.9%.
How often does CFFI pay dividends?
C&F Financial Corporation pays dividends Semi-Annual. The trailing 12-month total is $1.84 per share. Dividend data on this page covers 28+ years from 1998 to 2026.
How much would $10,000 invested in CFFI grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in CFFI five years ago would be worth approximately $16,979 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is CFFI's yield on cost for long-term holders?
CFFI's yield on cost — the current dividend divided by the original purchase price — is +5.0% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +2.3% market yield, thanks to consistent dividend growth.