VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener

C&F Financial Corporation (CFFI) Total Return Calculator with Dividends Reinvested

C&F Financial Corporation

Popular:

The total return for C&F Financial Corporation (CFFI) stock is +13.28% over the past 12 months. So far it's up 4.12% this year. The 5-year total return is +87.12%, meaning $10,000 invested in CFFI stock 5 years ago would be worth $18,712 today. Total return includes price appreciation plus reinvesting any dividends paid out.

If you invested $10,000 in CFFI 1 year ago, it would be worth $11,741 today — you'd have gained $1,741 with dividends reinvested.

With Dividends Reinvested$11,741+17.41%

Price Only (No DRIP)$11,434+14.34%

Dividend Boost+$3084 payments · +3.08% extra

Period2025-05-06 → 2026-05-05

Price

Total Return (DRIP)

Dividends

S&P 500

If You Invested $10,000 in CFFI

1Y$11,328+$1,328 (+13.3%)13.3% CAGR

3Y$15,407+$5,407 (+54.1%)15.5% CAGR

5Y$18,712+$8,712 (+87.1%)13.4% CAGR

10Y$23,305+$13,305 (+133.1%)8.8% CAGR

15Y$44,896+$34,896 (+349.0%)10.5% CAGR

20Y$25,080+$15,080 (+150.8%)4.7% CAGR

30Y$86,334+$76,334 (+763.3%)7.4% CAGR

Dividend Reinvestment History (4)▲ Hide

Ex-Date	Dividend	Reinvest Price	Shares Added
2025-06-13	$0.46	$62.50	+0.007360
2025-09-15	$0.46	$70.70	+0.006554
2025-12-15	$0.46	$76.00	+0.006137
2026-03-13	$0.48	$71.50	+0.006848

Loading CFFI total return...

As of 2026-05-06

Returns at a Glance

Period	Total Return	CAGR	Price Only	Div. Contrib.	$10K →
YTD	+4.12%	—	+3.44%	+0.68 pp	$10,412
1Y	+13.28%	13.28%	+10.47%	+2.81 pp	$11,328
3Y	+54.07%	15.50%	+43.48%	+10.59 pp	$15,407
5Y	+87.12%	13.35%	+67.27%	+19.85 pp	$18,712
10Y	+133.05%	8.83%	+91.69%	+41.36 pp	$23,305
15Y	+348.96%	10.53%	+246.92%	+102.04 pp	$44,896
20Y	+150.80%	4.70%	+82.83%	+67.97 pp	$25,080
30Y	+763.34%	7.45%	+496.97%	+266.37 pp	$86,334

Risk & Highlights

Best Year+58.04%2003

Worst Year-50.38%2008

Max Drawdown-15.07%2025-05-13 → 2025-06-24 · Recovered 2025-08-13

Annual Returns

Year	Total Return	Price Return	Div.	S&P 500	vs S&P
2026YTD	+3.68%	+3.00%	+0.7pp	+0.41%	+3.3pp
2025	+5.80%	+3.18%	+2.6pp	+16.64%	-10.8pp
2024	+5.34%	+2.80%	+2.5pp	+24.00%	-18.7pp
2023	+17.58%	+14.62%	+3.0pp	+24.81%	-7.2pp
2022	+16.22%	+13.04%	+3.2pp	-19.95%	+36.2pp

CFFI underperformed the S&P 500 by 15.16pp over the past year (+13.28% vs +28.44%).

Loading summary...

CFFI Peers' Total Return

Accurate peer set · 10 comparable names

Name	Mkt Cap	30D Rtn	YTD Total Rtn	1Y Total Rtn	Div Contrib	3Y Total Rtn	5Y Total Rtn	10Y Total Rtn
CFFIC&F Financial Corporation	$238M	+0.8%	+4.1%	+13.3%	+2.8pp	+54.1%	+87.1%	+133.1%
NKSHNational Bankshares, Inc.	$232M	-0.4%	+10.5%	+45.3%	+5.8pp	+49.6%	+27.0%	+49.8%
CZWICitizens Community Bancorp, Inc.	$204M	+5.1%	+21.9%	+42.6%	+0.7pp	+150.3%	+71.4%	+156.3%
MNSBMainStreet Bancshares, Inc.	$175M	+3.1%	+18.9%	+25.6%	+2.6pp	+20.1%	+19.0%	+128.9%
FXNCFirst National Corporation	$246M	-1.2%	+11.8%	+43.1%	+3.3pp	+105.6%	+64.9%	+237.2%
LKFNLakeland Financial Corporation	$1.6B	+6.5%	+12.0%	+8.4%	+3.4pp	+42.9%	+7.8%	+143.6%
FFINFirst Financial Bankshares, Inc.	$4.6B	+6.0%	+8.0%	-4.2%	+2.2pp	+23.6%	-29.6%	+145.2%
HBCPHome Bancorp, Inc.	$500M	+3.8%	+12.3%	+31.4%	+3.0pp	+123.9%	+76.6%	+157.0%
CHMGChemung Financial Corporation	$324M	+23.6%	+24.2%	+48.7%	+2.9pp	+97.8%	+72.8%	+191.6%
FISIFinancial Institutions, Inc.	$685M	+6.3%	+13.9%	+37.9%	+4.8pp	+139.5%	+27.6%	+67.6%
WRLDWorld Acceptance Corporation	$711M	-1.6%	-0.5%	+5.4%	—	+29.1%	+6.1%	+254.6%

Compare:CFFI vs NKSH CFFI vs CZWI CFFI vs MNSB CFFI vs NKSH vs CZWI

About CFFI Dividend Returns

C&F Financial Corporation (CFFI) is a dividend-paying stock. When dividends are reinvested through a DRIP (Dividend Reinvestment Plan), they purchase additional shares, which then generate their own dividends—creating a compounding effect that can significantly boost long-term returns.

How We Calculate Total Return

Our total return calculator simulates dividend reinvestment (DRIP) by assuming each dividend payment is used to purchase additional shares at the closing price on the ex-dividend date. This methodology provides an accurate representation of how a dividend reinvestment plan would perform.

Frequently Asked Questions

Q1What is the total return of CFFI over the past year?

C&F Financial Corporation (CFFI) delivered a total return of 13.28% over the past year when dividends are reinvested. The price-only return was 10.47%, meaning dividends contributed an additional 2.81 percentage points to total returns.

Q2How much would $10,000 invested in CFFI be worth today?

A $10,000 investment in C&F Financial Corporation one year ago would be worth $11,328 today with dividends reinvested (DRIP). Without reinvesting dividends, the same investment would be worth $11,047. Dividend reinvestment added $281 to the portfolio value.

Q3Does CFFI pay dividends?

Yes, C&F Financial Corporation (CFFI) pays dividends. In the last year, CFFI paid approximately $1.84 per share in dividends (2.51% yield). Reinvesting these dividends through a DRIP can significantly boost long-term returns — over 20+ years, dividend compounding can account for 30–50% of total returns for dividend-paying stocks.

Q4Did CFFI beat the S&P 500?

No, C&F Financial Corporation (CFFI) underperformed the S&P 500 by 15.16 percentage points over the past year. CFFI delivered a total return of 13.28%, compared to the S&P 500's 28.44%. This means a passive S&P 500 index fund outperformed CFFI by 15.16pp during this period.

Q5What is CFFI's worst drawdown?

C&F Financial Corporation (CFFI) experienced a maximum drawdown of -15.07% over the past year, declining from its peak on 2025-05-13 to its trough on 2025-06-24. The stock recovered to its prior peak by 2025-08-13. Maximum drawdown measures the worst peak-to-trough decline and is an important risk metric for investors.

Q6What is CFFI's long-term total return over 10, 20, or 30 years?

Here are C&F Financial Corporation (CFFI)'s long-term returns with dividends reinvested. Over 10 years, the total return is 133.1% (8.8% CAGR) — $10,000 would have grown to $23,305. Over 20 years: 150.8% total return (4.7% CAGR) — $10,000 → $25,080. Over 30 years: 763.3% total return (7.4% CAGR) — $10,000 → $86,334. Long-term investors benefit from compounding: dividends buy additional shares, which generate their own dividends, creating an exponential growth effect.

Q7What was CFFI's best and worst year?

C&F Financial Corporation's best calendar year was 2003 with a total return of 58.0%. Its worst year was 2008 with a total return of -50.4%. This range shows the volatility investors should expect — the difference between the best and worst year is 108.4 percentage points.