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CFFI Stock Chart & Stats
$78.00
$0.46(0.59%)
At close: 4:00 PM EDT
$78.00
$0.46(0.59%)
Day’s Range― - ―
52-Week Range$64.71 - $92.00
Previous CloseN/A
Volume3.92K
Average Volume (3M)5.35K
Market Cap
$276.20M
Enterprise Value$359.58
Total Cash (Recent Filing)$520.36M
Total Debt (Recent Filing)$118.17M
Price to Earnings (P/E)9.5
Beta0.76
Next Earnings
Oct 22, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.21%
Share Statistics
EPS (TTM)8.97
Shares Outstanding3,251,691
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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
Revenue And Earnings GrowthRecent revenue expansion and double-digit EPS growth indicate renewed operating momentum across the banking franchise. If sustained, broader loan and fee activity can support earnings growth over the next several quarters.
Healthy Profitability And Cash GenerationSolid margins combined with cash flow that closely tracks net income suggest good earnings quality and internal funding capacity. This provides flexibility to support lending, technology investment and shareholder returns.
Diversified Community Banking PlatformA mix of commercial and consumer lending, mortgage activities, wealth management and treasury services broadens revenue sources. This diversification can reduce reliance on any single product and deepen customer relationships.
Bears Say
Returns Remain Below Prior PeaksAlthough current profitability is healthy, returns below the prior peak indicate that normalized earnings power has not fully recovered. This may limit the pace of capital accumulation and constrain upside from operating leverage.
Volatile Cash-flow HistoryThe latest cash-flow rebound is encouraging, but large year-to-year swings reduce forecasting visibility. Persistent variability could complicate capital planning and make shareholder distributions more dependent on changing operating conditions.
Exposure To Credit And Interest-rate CyclesNet interest income depends on spreads between loan yields and funding costs, while credit performance affects provisions and charge-offs. Rate shifts, deposit repricing or weaker borrowers could pressure margins and earnings.
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 $64.71 and its highest was $92.00 in the past 12 months.
What is C&F Financial Corp.’s market cap?
C&F Financial Corp.’s market cap is $276.20M.
When is C&F Financial Corp.’s upcoming earnings report date?
C&F Financial Corp.’s upcoming earnings report date is Oct 22, 2026 which is in 59 days.
How were C&F Financial Corp.’s earnings last quarter?
C&F Financial Corp. released its earnings results on Jul 23, 2026. The company reported $2.633 earnings per share for the quarter, beating the consensus estimate of N/A by $2.633.
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 2.21%. 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 3,251,691 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 $2.633 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -0.346%.
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 55%
Sector Average 55%
Insider Transactions
Sold Shares
Worth $466.6K 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
2.21%
Trailing 12-Months
Asset Growth
4.60%
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
6.55% Insiders
14.81% Mutual Funds
6.24% Other Institutional Investors
59.44% Public Companies and
Individual Investors