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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 - $80.99
Previous CloseN/A
Volume12.00
Average Volume (3M)5.35K
Market Cap
$235.36M
Enterprise Value$337.55M
Total Cash (Recent Filing)$471.73M
Total Debt (Recent Filing)$115.81M
Price to Earnings (P/E)8.8
Beta0.81
Next Earnings
Apr 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.55%
Share Statistics
EPS (TTM)2.07
Shares Outstanding3,255,801
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 Cap1.43
Enterprise Value/Revenue1.84
Enterprise Value/Gross Profit2.66
Enterprise Value/Ebitda9.37
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
Steady Revenue GrowthConsistent top-line growth over the 2023–2025 period (2025 revenue +4.2%) signals durable customer demand across C&F Financial’s diversified businesses (commercial banking, mortgage, wealth). Persistent revenue expansion supports long-term earnings stability and predictable franchise cash generation.
Improving Leverage ProfileA declining debt-to-equity ratio indicates improving balance-sheet resilience and greater capital flexibility. Lower leverage reduces solvency risk, supports regulatory and lending capacity, and gives management more room to allocate capital to dividends, buybacks, or targeted growth without materially increasing financial risk.
Shareholder-friendly Capital ActionsA quarter-over-quarter dividend increase, alongside an active repurchase program, signals management confidence in recurring earnings and capital adequacy. Sustained capital returns demonstrate disciplined capital allocation and provide a durable cash-return channel for shareholders if cash generation remains stable.
Bears Say
Free Cash Flow VolatilityA roughly 56% decline in free cash flow in 2025 and a history of volatility (including prior negative operating/FCF periods) undermines predictability of internal funding. For a regional bank, inconsistent cash flow complicates lending capacity, capital returns, and the ability to finance growth without relying on external funding.
Compressed Margins Vs. Prior PeaksMaterially lower net margins compared with 2021–2022 indicate reduced earnings power, whether from margin compression, mix shifts, or competitive pressures. Lower margins constrain retained earnings and capital build, making it harder to restore past profitability levels without structural business or pricing changes.
Moderate Returns On EquityROE around 10.2% is modest for a bank and below earlier cycle peaks, limiting the firm’s ability to generate excess returns for shareholders. Persistently middling ROE can hinder organic capital accumulation and may pressure management to sustain dividends or buybacks at the expense of reinvestment if profitability does not improve.
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 $80.99 in the past 12 months.
What is C&F Financial Corp.’s market cap?
C&F Financial Corp.’s market cap is $235.36M.
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 31 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 3,255,801 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 0.502%.
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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10
Blogger Sentiment
Bullish
CFFI Sentiment 100%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth $137.2K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
3.28%
12-Months-Change
Fundamentals
Return on Equity
10.84%
Trailing 12-Months
Asset Growth
7.98%
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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