Is C & F FINANCIAL CORP (CFFI) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 25.0% | |
| Net Margin | 20.8% | |
| Return on Equity (ROE) | 11.0% | |
| Return on Assets (ROA) | 1.0% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $24M |
| Free Cash Flow | $22M |
| Total Debt | $113M |
| Total Assets | $2.8B |
Price & Trading
| Last Close | $73.77 |
| 50-Day MA | $74.31 |
| 200-Day MA | $69.75 |
| Avg Volume | 4K |
| Beta | 0.4 |
|
52-Week Range
$53.14
| |
About C & F FINANCIAL CORP (CFFI)
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 Community Banking segment offers various banking services, such as checking and savings deposit accounts; and business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet and mobile banking, peer-to-peer payment capabilities, debit cards, safe deposit box rentals, notary public, electronic transfer, and other customary bank services, as well as wealth management services; and engages in owning equity interests in an independent insurance agency, and a full-service title and settlement agency. The Mortgage Banking segment offers various residential mortgage loans, which are originated for sale to investors in the secondary mortgage market; originates conventional mortgage loans, mortgage loans insured by the Federal Housing Administration, and mortgage loans guaranteed by the United States Department of Agriculture and the Veterans Administration. This segment also provides mortgage loan origination functions as a service to third party mortgage lenders and other community banks; and ancillary mortgage loan production services to third parties for residential appraisals. The Consumer Finance segment offers automobile financing through lending programs to serve customers in both the prime and non-prime markets. C&F Financial Corporation was founded in 1927 and is based in Toano, Virginia.
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Frequently Asked Questions
Is C & F FINANCIAL CORP (CFFI) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), C & F FINANCIAL CORP is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is C & F FINANCIAL CORP's debt ratio?
C & F FINANCIAL CORP's debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are C & F FINANCIAL CORP's key financial metrics?
C & F FINANCIAL CORP has a market capitalization of $234M, trailing P/E ratio of 8.7, and revenue of $137M. Return on equity stands at 11.0%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.