C&F Financial Corp. (CFFI)
NASDAQ:CFFI
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CFFI Stock Chart & Stats
$69.80
$0.05(0.07%)
At close: 4:00 PM EST
$69.80
$0.05(0.07%)
Day’s Range― - ―
52-Week Range$57.09 - $80.99
Previous CloseN/A
Volume12.00
Average Volume (3M)5.35K
Market Cap
$251.24M
Enterprise Value$265.83M
Total Cash (Recent Filing)$428.93M
Total Debt (Recent Filing)$103.25M
Price to Earnings (P/E)8.9
Beta0.64
Next Earnings
Jul 29, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.55%
Share Statistics
EPS (TTM)8.71
Shares Outstanding3,254,362
10 Day Avg. Volume8,617
30 Day Avg. Volume5,347
Financial Highlights & Ratios
PEG Ratio0.23
Price to Book (P/B)0.90
Price to Sales (P/S)1.26
P/FCF Ratio10.61
Enterprise Value/Market Cap1.06
Enterprise Value/Revenue1.41
Enterprise Value/Gross Profit2.03
Enterprise Value/Ebitda7.03
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Bulls Say, Bears Say
Bulls Say
Consistent Revenue Growth And Solid ProfitabilityC&F has delivered multi-year revenue growth and maintained steady returns (ROE ~10–11%) with TTM net margin ~15% and EBIT margin ~18%. That consistent profitability provides a durable earnings base to fund lending, reserves and shareholder distributions over a 2–6 month horizon and beyond.
Improving Leverage And CapitalizationLeverage has meaningfully declined and equity has risen, producing a lower debt-to-equity (~0.39 TTM). Stronger capitalization enhances regulatory buffers, supports loan growth and gives management flexibility on dividends and portfolio repositioning, reducing insolvency and funding risk over the medium term.
Capital-accretive Portfolio Moves And Shareholder ReturnsManagement executed a capital-accretive sale (estimated pre-tax gain ~$8.3M) and shifted securities into higher-yield instruments, forecast to widen NIM ~9 bps and increase EPS. Coupled with an ongoing dividend raise and declared regular payout, this signals disciplined capital allocation and long-term focus on core banking returns.
Bears Say
Sharply Weaker Free Cash Flow And Cash ConversionFree cash flow has declined materially (TTM down ~50%), and FCF now covers a smaller share of net income (~0.82). Reduced cash conversion increases vulnerability when funding needs or loan losses emerge, constraining reinvestment, dividend flexibility and capacity to absorb shocks in the 2–6 month horizon.
Margin Compression Relative To Prior Peak LevelsReported margins have compressed from peak cycle levels in 2021–2022 to current TTM net margins (~15%). A less favorable earnings mix and narrower margins reduce the buffer against rising credit costs or funding pressures, limiting the bank's ability to maintain profit growth under adverse rate or credit scenarios.
Concentrated Regional Footprint (Virginia-focused)C&F is primarily concentrated in Virginia, which concentrates credit, deposit and economic exposure to a single regional economy. Limited geographic diversification increases sensitivity to local downturns, sector-specific shocks or real-estate stresses, raising cyclical risk relative to more diversified regional peers.
C&F Financial News
CFFI FAQ
What was C&F Financial Corp.’s price range in the past 12 months?
C&F Financial Corp. lowest stock price was $57.09 and its highest was $80.99 in the past 12 months.
What is C&F Financial Corp.’s market cap?
C&F Financial Corp.’s market cap is $251.24M.
When is C&F Financial Corp.’s upcoming earnings report date?
C&F Financial Corp.’s upcoming earnings report date is Jul 29, 2026 which is in 44 days.
How were C&F Financial Corp.’s earnings last quarter?
C&F Financial Corp. released its earnings results on Apr 23, 2026. The company reported $2.077 earnings per share for the quarter, beating the consensus estimate of N/A by $2.077.
Is C&F Financial Corp. overvalued?
According to Wall Street analysts C&F Financial Corp.’s price is currently Overvalued.
Does C&F Financial Corp. pay dividends?
C&F Financial Corp. pays a Quarterly dividend of $0.48 which represents an annual dividend yield of 2.55%. See more information on C&F Financial Corp. dividends here
What is C&F Financial Corp.’s EPS estimate?
C&F Financial Corp.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does C&F Financial Corp. have?
C&F Financial Corp. has 3,254,362 shares outstanding.
What happened to C&F Financial Corp.’s price movement after its last earnings report?
C&F Financial Corp. reported an EPS of $2.077 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -2.241%.
Which hedge fund is a major shareholder of C&F Financial Corp.?
Currently, no hedge funds are holding shares in CFFI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
C&F Financial Stock Smart Score
Underperform
1
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4
5
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7
8
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10
Blogger Sentiment
Bullish
CFFI Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth $307.1K over
the Last 3 Months
the Last 3 Months
News Sentiment
Bullish
Bullish news 67%
Bearish news 33%
Bearish news 33%
Technicals
SMA
Positive
20 days / 200 days
Momentum
3.28%
12-Months-Change
Fundamentals
Return on Equity
11.06%
Trailing 12-Months
Asset Growth
7.70%
Trailing 12-Months
Company Description
C&F Financial Corp.
C&F Financial Corporation functions as a bank holding company, providing oversight for Citizens and Farmers Bank, which delivers a comprehensive range of banking services to both individuals and businesses. Its Retail Banking division offers a diverse suite of services, including checking and savings accounts, in addition to various loan products such as business, real estate, development, mortgage, home equity, and installment loans. This segment also ensures convenient access to amenities like ATMs, internet and mobile banking, and debit and credit cards. Further services include safe deposit box rentals, notary public assistance, electronic transfers, and other standard banking facilities. These retail services are provided through its main office situated in West Point, Virginia, supplemented by 30 additional branches across the state. One branch each is found in Albermarle, Goochland, Hanover, Middlesex, Powhatan, Stafford, York, Charlottesville, Hampton, Montross, Newport News, Richmond, Warsaw, and Williamsburg. Furthermore, two branches are located in each of Cumberland, James City, King George, and New Kent counties, while four branches serve both Chesterfield and Henrico counties. The Mortgage Banking segment specializes in a broad spectrum of residential mortgage loans. It facilitates conventional mortgages, those insured by the Federal Housing Administration (FHA), and loans guaranteed by both the United States Department of Agriculture (USDA) and the Veterans Administration (VA). This division also offers supporting services for mortgage origination, including residential appraisals, and extends various mortgage origination functions to third-party clients. Mortgage services are available through 11 offices in Virginia, one office in Maryland, two offices in North Carolina, and one office each in South Carolina and West Virginia. The company's Consumer Finance segment, with offices in Richmond and Hampton, Virginia, primarily provides automobile loans. Beyond these core banking operations, C&F Financial Corporation also furnishes brokerage and wealth management services, alongside various insurance products. Additionally, the company delivers title and settlement agency services. C&F Financial Corporation was established in 1927 and maintains its headquarters in West Point, Virginia.
Technical Analysis
Ownership Overview
6.62% Insiders
14.87% Mutual Funds
6.62% Other Institutional Investors
59.74% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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