Ethical Profile
Mixed.
Not enough information to create an ethical profile.
C&F Financial Corporation.
CFFI.US | Other monetary intermediation
C&F Financial Corporation operates as the holding company for Citizens and Farmers Bank that provides various banking and related financial services to individuals and businesses in Virginia. It operates through three segments: Community Banking, Mortgage Banking, and Wealth Management. The Communit...Show More
Similar Companies
Value Scores
Better Health for All0
-100100
Fair Money & Economic Opportunity-50
-100100
Fair Pay & Worker Respect20
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business0
-100100
Kind to Animals0
-100100
No War, No Weapons0
-100100
Planet-Friendly Business0
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech20
-100100
Zero Waste & Sustainable Products0
-100100
Better Health for All
0
No evidence available to assess C&F Financial Corporation on Better Health for All.
Fair Money & Economic Opportunity
-50
C&F Mortgage Corporation was subject to a consent order in 2011 by the U.S. Department of Justice for alleged discrimination against black and Hispanic borrowers in 2007, resulting in a $140,000 settlement fund for 191 identified aggrieved persons.
1
The company denies the allegations and entered the order to avoid litigation. 2
C&F Mortgage offers various financial literacy programs, including comprehensive homeownership education with Fannie Mae HomeReady and Freddie Mac Home Possible, and requires completion of homebuyer education for FHLB Down Payment Assistance and Community Partners Product. 3
C&F Bank also partners with GoVA Foundation to provide free financial education and quarterly webinars in 2026 for military families in Virginia Beach, and a branch manager teaches Financial Literacy through Junior Achievement. 4
The company offers mortgage products with maximum debt-to-income (DTI) ratios of 50% for ITIN Mortgage Loans and Portfolio Select, and 40-45% for Non-QM Mortgage Options. 5
For geographic inclusion, USDA loans are limited to rural areas, and FHLB Down Payment Assistance and Community Partners Product are limited to properties in certain counties in Virginia, Maryland, and North Carolina. 6
The Chase Community Lending Program is limited to designated census tracts. 7
Fair Pay & Worker Respect
20
The company's CEO to median employee pay ratio was 21:1 in 2024.
1
This ratio is based on the CEO's total compensation of $1,297,343 and a median employee pay of $62,835 for the fiscal year 2024. 2
Fair Trade & Ethical Sourcing
0
The provided articles do not contain specific, concrete data points for C&F Financial Corporation (CFFI.US) regarding its fair trade and ethical sourcing practices. There is no evidence for fair-trade certification share, audit frequency, forced or child labour incidents, traceability coverage, remediation speed, ethical clause coverage, materials risk index, or supplier diversity spend for CFFI.US.
1
Honest & Fair Business
0
No specific, concrete evidence was found in the provided articles to assess C&F Financial Corporation against any of the 'Honest & Fair Business' KPIs. The articles do not provide information on regulatory fines, transparency index scores, whistleblower policies, financial restatements, audit coverage percentages, ESG controversy index scores, complaint resolution times, board conflict-free percentages, anti-corruption policies, or third-party verification of ethical claims.
1
Kind to Animals
0
No evidence available to assess C&F Financial Corporation on Kind to Animals.
No War, No Weapons
0
The provided articles focus on C&F Financial Corporation's financial products and services, such as new accounts and CD rates.
1
No information or data relevant to arms sales, defense contracts, dual-use technologies, peacebuilding investments, or any other metrics related to the 'No War, No Weapons' ethical value is present. 2
Therefore, no KPIs can be scored based on the evidence provided.Planet-Friendly Business
0
No specific quantitative data or concrete actions related to planet-friendly business practices, such as carbon emissions, renewable energy usage, water consumption, waste diversion, or environmental certifications, are available in the provided articles for C&F Financial Corporation.
1
The articles explicitly state a lack of publicly available data for these metrics, making a comprehensive assessment impossible. 2
Respect for Cultures & Communities
0
No evidence available to assess C&F Financial Corporation on Respect for Cultures & Communities.
Safe & Smart Tech
20
The company explicitly states compliance with GDPR, CCPA, and GLBA, as well as specific privacy rights for residents in multiple US states.
1
Users are granted rights to access, update, correct, delete, and withdraw consent for their personal data, with a 10-business day confirmation and 45-day response time for data requests. 2
Users can also opt out of email/SMS and location tracking. 3
The company states that staff are trained on data security, and data is retained only as long as required by law or for legitimate business reasons. 4
The company explicitly states it does not use AI or automated decision-making. 5
Zero Waste & Sustainable Products
0
The provided articles do not contain any specific, concrete data points or initiatives related to C&F Financial Corporation's waste management, product sustainability, or circular economy practices. There is no information available regarding waste diversion rates, product recyclability, packaging sustainability, recycled content, single-use plastic reduction, take-back programs, circular design principles, waste reduction initiatives, hazardous waste management, product durability, repairability, waste audit frequency, zero-waste certification, waste disposal violations, material efficiency, packaging-to-product ratio, waste reduction targets, supplier waste requirements, or customer waste education programs.
1
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