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
$247.47M
Enterprise Value$335.44M
Total Cash (Recent Filing)$406.36M
Total Debt (Recent Filing)$113.33M
Price to Earnings (P/E)8.8
Beta0.67
Next Earnings
Jul 23, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend Yield2.55%
Share Statistics
EPS (TTM)8.29
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 Cap1.36
Enterprise Value/Revenue1.83
Enterprise Value/Gross Profit2.64
Enterprise Value/Ebitda9.31
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 Growth And Improved ProfitabilitySustained top-line growth with a clear year-over-year profit improvement demonstrates the bank's core lending and deposit franchise is generating consistent earnings. Durable revenue expansion plus rising margins support reinvestment, credit capacity and a steadier earnings base over coming quarters.
Improving Balance-sheet Leverage And CapitalizationLower leverage and rising equity indicate strengthening capital metrics, reducing solvency risk and providing room to support loan growth or absorb losses. A ~10% ROE signals reasonable capital efficiency for a regional bank and underpins capacity to fund strategic initiatives and shareholder distributions.
Dividend Increase And Governance ContinuityA modest dividend raise alongside shareholder backing of the board signals management confidence in earnings and a commitment to returning capital. Stable governance reduces execution risk and supports consistent strategic planning, important for long-term investor trust and capital allocation clarity.
Bears Say
Volatile Cash GenerationSharp swings in operating and free cash flow weaken predictability of internal funding for lending, dividends, or acquisitions. Persistent volatility forces higher liquidity buffers and raises execution risk for growth plans, constraining the firm's ability to sustainably deploy capital.
Margins Materially Below Prior Cycle PeaksA structurally lower margin profile reduces earnings power and limits the bank's ability to absorb credit stress or fund investments. Unless margins sustainably expand, long-term return on equity may remain constrained relative to historical levels, affecting growth and capital returns.
Geographic Concentration In VirginiaConcentration in a single state narrows the borrower and deposit base, exposing results to local economic cycles and industry shocks. Limited geographic scale also curtails diversification benefits and makes material expansion dependent on successful execution beyond core markets.
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 $247.47M.
When is C&F Financial Corp.’s upcoming earnings report date?
C&F Financial Corp.’s upcoming earnings report date is Jul 23, 2026 which is in 80 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 $0.46 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 $2.077 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
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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
11.04%
Trailing 12-Months
Asset Growth
7.70%
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
6.73% Insiders
14.74% Mutual Funds
1.21% Other Institutional Investors
65.62% Public Companies and
Individual Investors
Options Prices
Currently, No data available
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