C&F Financial (CFFI) AI Stock Analysis

• Market Cap: $214.90M
• Dividend Yield: 2.65%
• Average Volume (3M): 10.91K
• Price to Earnings (P/E): 11.0
• Beta (1Y): 0.70
• Revenue Growth: 10.65%
• EPS Growth: -12.80%
• Country: US
• Employees: 579
• Sector: Financial
• Sector Strength: 77
• Industry: Banking
• EPS (TTM): 6.03
• Shares Outstanding: 3,239,867
• 10 Day Avg. Volume: 9,671
• 30 Day Avg. Volume: 10,907
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 1.88
• Price to Cash Flow (P/CF): 1.50
• P/FCF Ratio: 1.20
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

C&F Financial shows strong financial performance with effective cost management and cash conversion, though it faces some risks with a low equity ratio. Technical analysis suggests moderate upward momentum, while valuation indicators show the stock is fairly valued with a strong dividend yield. The recent dividend increase further supports the company's financial stability and commitment to shareholder returns.

C&F Financial Business Overview & Revenue Model

Company Description

C&F Financial Corporation (CFFI) is a financial holding company headquartered in West Point, Virginia. It operates primarily through its subsidiary, Citizens and Farmers Bank, offering a wide range of banking services. The company provides an array of personal and business banking services, including savings accounts, checking accounts, personal and commercial loans, mortgage products, and investment services. C&F Financial is committed to serving individuals, small businesses, and commercial entities within its regional markets.

How the Company Makes Money

C&F Financial Corporation generates revenue primarily through its banking operations. The company earns income from interest charged on loans and mortgages provided to individuals and businesses. It also collects fees from account maintenance, transaction processing, and other banking services. Additionally, C&F Financial benefits from investment services by offering wealth management and financial planning, which contribute to fee-based income. The bank's earnings are influenced by its ability to attract deposits from customers, which are used to fund its lending activities. Partnerships with local businesses and a focus on community banking play a significant role in the company's revenue generation strategy.

C&F Financial Financial Statement Overview

Summary

C&F Financial presents a stable financial profile with strong profitability metrics and effective cost management as seen in the income statement. The balance sheet demonstrates conservative leverage but a low equity ratio, pointing to potential risks in financial stability. Cash flow metrics indicate a healthy ability to convert income into cash, supporting operational resilience. The company is generally on a solid financial footing, with some room for improvement in revenue growth and equity financing.

Income Statement

C&F Financial shows a strong gross profit margin of 100% and a positive net profit margin of 14.21% for 2024, indicating profitability. However, the revenue growth rate from 2023 to 2024 was 17.25%, which, while positive, is not exceptionally high. The EBIT margin is significantly high at 96.54%, indicating efficient cost management. No data for EBITDA margin was available.

Balance Sheet

The company has a low debt-to-equity ratio of 0.13 in 2024, suggesting a conservative leverage approach. The return on equity is relatively modest at 8.74%, indicating moderate profitability. The equity ratio is 8.85%, reflecting a low proportion of equity financing compared to total assets, which may present some risks in terms of financial stability.

Cash Flow

C&F Financial's free cash flow grew by 3.04% from 2023 to 2024, reflecting slight improvement in cash generation. The operating cash flow to net income ratio is 1.94, suggesting solid cash conversion. Free cash flow to net income ratio stands at 1.94, highlighting that the company is effectively converting earnings into cash.

Breakdown
Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement		Total Revenue
139.59M	119.05M	1.68M	134.53M	138.95M
	Gross Profit
139.59M	119.05M	1.68M	134.53M	138.95M
	EBIT
134.77M	39.34M	44.64M	38.08M	29.22M
	EBITDA
0.00	0.00	41.32M	42.82M	33.41M
	Net Income Common Stockholders
19.83M	23.60M	29.16M	28.67M	22.12M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
434.79M	478.83M	539.25M	640.82M	373.06M
	Total Assets
2.56B	2.44B	2.33B	2.27B	2.09B
	Total Debt
28.99M	109.54M	92.08M	90.46M	76.17M
	Net Debt
12.83M	34.38M	65.42M	-177.28M	-10.50M
	Total Liabilities
2.34B	2.22B	2.14B	2.05B	1.89B
	Stockholders Equity
226.97M	216.88M	196.23M	211.02M	194.47M
Cash Flow		Free Cash Flow
38.49M	37.35M	87.17M	152.60M	-90.60M
	Operating Cash Flow
38.49M	38.81M	90.56M	157.39M	-80.37M
	Investing Cash Flow
-148.64M	-56.34M	-411.28M	-138.69M	-183.29M
	Financing Cash Flow
100.58M	66.03M	79.64M	162.38M	184.90M

C&F Financial Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 66.33
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CFFI, the sentiment is Negative. The current price of 66.33 is below the 20-day moving average (MA) of 78.09, below the 50-day MA of 75.73, and above the 200-day MA of 62.31, indicating a neutral trend. The MACD of -2.46 indicates Positive momentum. The RSI at 30.89 is Neutral, neither overbought nor oversold. The STOCH value of 8.20 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CFFI.

C&F Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
OPOF	77 Outperform	$151.98M	15.94	8.61%	1.87%	6.90%	21.84%
CFFI	72 Outperform	$214.90M	11.03	8.95%	2.65%	10.65%	-12.80%
CZNC	70 Outperform	$306.54M	11.80	9.60%	5.65%	3.55%	7.29%
CCNE	67 Neutral	$469.12M	9.42	9.17%	3.18%	11.48%	-6.49%
FMBH	65 Neutral	$839.38M	10.60	9.62%	2.71%	17.70%	3.88%
FUNC	64 Neutral	$190.05M	9.47	12.06%	2.82%	12.56%	-18.63%
Sector *	64 Neutral	$13.79B	10.52	9.20%	4.24%	17.25%	-7.60%

C&F Financial Corporate Events

C&F Financial Increases Quarterly Dividend by 5%

On February 20, 2025, C&F Financial Corporation announced that its board of directors declared a regular cash dividend of 46 cents per share, payable on April 1, 2025. This marks a 5% increase from the previous quarter’s dividend of 44 cents per share, reflecting the board’s ongoing evaluation of economic conditions, capital requirements, and expected earnings. This decision underscores the company’s commitment to returning value to shareholders and maintaining a strong financial position.