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C&F Financial Corp. (CFFI)
NASDAQ:CFFI
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$53.14 - $81.00
Previous CloseN/A
Volume12.00
Average Volume (3M)5.35K
Market Cap
$235.81M
Enterprise Value$355.26M
Total Cash (Recent Filing)$0.00
Total Debt (Recent Filing)$113.33M
Price to Earnings (P/E)8.8
Beta0.82
Next Earnings
Apr 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.55%
Share Statistics
EPS (TTM)2.07
Shares Outstanding3,238,232
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 Ratio0.00
Enterprise Value/Market Cap1.51
Enterprise Value/Revenue1.93
Enterprise Value/Gross Profit2.80
Enterprise Value/Ebitda9.86
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
Diversified Revenue StreamsMultiple stable revenue channels (commercial lending, mortgage origination/servicing, and wealth management) reduce reliance on any single business line. This diversification supports resilience through credit cycles and creates recurring fee income that underpins medium‑term earnings stability and strategic flexibility.
Stable Profitability And Healthy MarginsConsistent revenue growth and strong gross and net margins indicate the franchise converts loans and fee businesses into profitable earnings. A stable ROE near double digits supports sustainable internal capital generation and the ability to fund modest growth and shareholder distributions over the next several quarters.
Governance And Capital-return InitiativesAdding an experienced finance and regulation expert to the board strengthens oversight on real estate, investments and risk controls. Combined with declared dividends and a 2026 repurchase program, this signals disciplined capital allocation and governance that support long‑term shareholder value.
Bears Say
Rising LeverageAn increasing D/E ratio reduces financial flexibility and raises vulnerability to credit stress or rising rates. For a regional bank, higher leverage can amplify earnings volatility, constrain capital actions during downturns, and require more proactive capital or provisioning discipline over the medium term.
Weak Operating Cash ConversionVery low OCF relative to reported net income suggests earnings are not being fully converted to cash, limiting the bank's ability to organically fund loan growth, capital returns or build reserves. Persistent cash conversion weakness forces reliance on external funding or cuts to discretionary uses.
Pressure On Operating MarginsDeclining EBIT/EBITDA margins point to rising operating costs or compression in core lending/fee spreads. If structural, margin pressure will erode profitability over time, requiring cost discipline, pricing power or scale gains to restore earnings resilience amid competitive regional banking dynamics.
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 $53.13 and its highest was $81.00 in the past 12 months.
What is C&F Financial Corp.’s market cap?
C&F Financial Corp.’s market cap is $235.81M.
When is C&F Financial Corp.’s upcoming earnings report date?
C&F Financial Corp.’s upcoming earnings report date is Apr 23, 2026 which is in 51 days.
How were C&F Financial Corp.’s earnings last quarter?
C&F Financial Corp. released its earnings results on Jan 27, 2026. The company reported $2.069 earnings per share for the quarter, beating the consensus estimate of N/A by $2.069.
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 $0.46 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 3,238,232 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 $2.069 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 0.503%.
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
Neutral
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
CFFI Sentiment 100%
Sector Average 70%
Sector Average 70%
Insider Transactions
Sold Shares
Worth $137.2K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
3.28%
12-Months-Change
Fundamentals
Return on Equity
10.89%
Trailing 12-Months
Asset Growth
6.29%
Trailing 12-Months
Company Description
C&F Financial Corp.
C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. The company's Retail Banking offers various banking services, including checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. It also provides ATMs, Internet and mobile banking, and debit and credit cards, as well as safe deposit box rentals, notary public, electronic transfer, and other customary bank services. This segment offers its services through its main office in West Point, Virginia, as well as through 30 Virginia branches located 1 each in Albermarle, Goochland, Hanover, Middlesex, Powhatan, Stafford, York, Charlottesville, Hampton, Montross, Newport News, Richmond, Warsaw, and Williamsburg; 2 each in the counties of Cumberland, James City, King George, and New Kent; and four each in the counties of Chesterfield and Henrico. The company's Mortgage Banking segment provides various residential mortgage loans; 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; and ancillary mortgage loan origination services for residential appraisals, as well as various mortgage origination functions to third parties. It provides mortgage loan origination services through 11 offices in Virginia, 1 office in Maryland, and 2 offices in North Carolina, as well as through 1 each in South Carolina and West Virginia. The company's Consumer Finance segment provides automobile loans through its offices in Richmond and Hampton, Virginia. It also offers brokerage and wealth management services; and insurance products. In addition, the company provides title and settlement agency, and insurance services. C&F Financial Corporation was founded in 1927 and is headquartered in West Point, Virginia.
Technical Analysis
Ownership Overview
6.40% Insiders
14.87% Mutual Funds
6.60% Other Institutional Investors
60.43% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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