C&F Financial Corp. (CFFI)
NASDAQ:CFFI
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C&F Financial
(NASDAQ:CFFI)
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Rating:71Outperform
Price Target:
$82.00
▲(17.48% Upside)
Action:Reiterated
Date:05/21/26
The score is driven primarily by solid financial performance (profitability and improving leverage) tempered by weakening recent cash-flow trends. Valuation is a clear support due to the low P/E and dividend yield, while technical indicators are neutral-to-soft and add limited near-term momentum. Corporate actions are broadly positive, highlighted by dividend actions and capital-accretive portfolio moves.
Positive Factors
Consistent revenue growth and solid profitability
C&F has delivered multi-year revenue growth and maintained steady returns (ROE ~10–11%) with TTM net margin ~15% and EBIT margin ~18%. That consistent profitability provides a durable earnings base to fund lending, reserves and shareholder distributions over a 2–6 month horizon and beyond.
Negative Factors
Sharply weaker free cash flow and cash conversion
Free cash flow has declined materially (TTM down ~50%), and FCF now covers a smaller share of net income (~0.82). Reduced cash conversion increases vulnerability when funding needs or loan losses emerge, constraining reinvestment, dividend flexibility and capacity to absorb shocks in the 2–6 month horizon.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent revenue growth and solid profitability
C&F has delivered multi-year revenue growth and maintained steady returns (ROE ~10–11%) with TTM net margin ~15% and EBIT margin ~18%. That consistent profitability provides a durable earnings base to fund lending, reserves and shareholder distributions over a 2–6 month horizon and beyond.
Read all positive factors
C&F Financial (CFFI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$234.87M
Dividend Yield2.55%
Average Volume (3M)5.35K
Price to Earnings (P/E)8.8
Beta (1Y)0.66
Revenue Growth9.67%
EPS Growth30.37%
CountryUS
Employees545
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)8.71
Shares Outstanding3,254,362
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 Cap1.11
Enterprise Value/Revenue1.38
Enterprise Value/Gross Profit1.99
Enterprise Value/Ebitda7.07
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
C&F Financial Business Overview & Revenue Model
Company Description
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 d...
How the Company Makes Money
C&F Financial primarily makes money through traditional banking activities. Its largest earnings driver is typically net interest income: the bank collects interest and fees on loans and other interest-earning assets (such as commercial and consum...
C&F Financial Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
78
Positive
Cash Flow
56
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 188.81M | 186.13M | 166.51M | 149.76M | 123.45M | 139.97M |
| Gross Profit | 130.92M | 129.29M | 110.44M | 115.05M | 112.39M | 131.04M |
| EBITDA | 36.85M | 33.07M | 27.99M | 33.04M | 41.32M | 42.82M |
| Net Income | 28.21M | 26.84M | 19.83M | 23.60M | 29.16M | 28.67M |
Balance Sheet | ||||||
| Total Assets | 2.81B | 2.77B | 2.56B | 2.44B | 2.33B | 2.26B |
| Cash, Cash Equivalents and Short-Term Investments | 428.93M | 406.36M | 132.04M | 537.60M | 539.25M | 640.82M |
| Total Debt | 103.25M | 113.33M | 122.61M | 109.54M | 92.08M | 90.46M |
| Total Liabilities | 2.55B | 2.51B | 2.34B | 2.22B | 2.14B | 2.05B |
| Stockholders Equity | 265.47M | 261.75M | 226.36M | 216.88M | 195.63M | 210.32M |
Cash Flow | ||||||
| Free Cash Flow | 10.98M | 22.16M | 35.00M | 37.35M | 87.17M | 152.60M |
| Operating Cash Flow | 13.71M | 24.49M | 38.49M | 38.81M | 90.56M | 157.39M |
| Investing Cash Flow | -171.40M | -169.35M | -148.64M | -56.34M | -411.28M | -138.69M |
| Financing Cash Flow | 159.16M | 158.41M | 100.58M | 66.03M | 79.64M | 162.38M |
C&F Financial Technical Analysis
Negative
69.80
Price Trends
74.24
Negative
73.78
Negative
71.19
Positive
Market Momentum
-0.65
Positive
44.62
Neutral
38.97
Neutral
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 69.8 is below the 20-day moving average (MA) of 74.31, below the 50-day MA of 74.24, and below the 200-day MA of 71.19, indicating a neutral trend. The MACD of -0.65 indicates Positive momentum. The RSI at 44.62 is Neutral, neither overbought nor oversold. The STOCH value of 38.97 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for CFFI.
C&F Financial Risk Analysis
C&F Financial disclosed 32 risk factors in its most recent earnings report. C&F Financial reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
C&F Financial Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | $243.79M | 8.59 | 14.66% | 2.39% | 2.72% | 27.37% | |
78 Outperform | $241.87M | 8.10 | 5.28% | ― | 1.82% | -5.15% | |
71 Outperform | $234.87M | 8.78 | 11.06% | 2.55% | 9.67% | 30.37% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $232.64M | 12.39 | 8.48% | 5.32% | -2.49% | 41.73% | |
64 Neutral | $285.89M | 12.25 | 11.74% | 2.07% | 12.56% | 28.20% |
* Financial Sector Average
CFFI
C&F Financial
72.17
8.89
14.04%
FCCO
First Community
30.42
7.70
33.90%
HWBK
Hawthorn Bancshares
35.35
6.54
22.70%
LCNB
LCNB
16.33
2.66
19.43%
CBNA
Chain Bridge Bancorp, Inc. Class A
36.65
10.02
37.63%
C&F Financial Corporate Events
Dividends
C&F Financial Declares Regular Quarterly Cash Dividend
Positive
May 20, 2026
On May 20, 2026, CF Financial Corporation announced that its board of directors declared a regular cash dividend of $0.48 per share, payable on July 1, 2026 to shareholders of record as of June 15, 2026. The board stated that it continually evalua...
Business Operations and StrategyFinancial DisclosuresM&A Transactions
C&F Financial Sells Insurance Stake, Reshapes Securities Portfolio
Positive
May 8, 2026
On May 7, 2026, CF Financial Corporation said it had completed the sale of its membership interest in Bearing Insurance Group, effective May 1, 2026, a move expected to generate an estimated pre-tax gain of about $8.3 million in the second quarter...
Business Operations and StrategyFinancial Disclosures
C&F Financial Highlights Q1 2026 Strategy and Growth
Positive
Apr 30, 2026
On April 30, 2026, CF Financial Corporation published a first-quarter 2026 investor presentation on its website, which it plans to use in investor meetings during the second quarter of 2026. The materials, also available through the company’...
Executive/Board ChangesShareholder Meetings
C&F Financial Shareholders Back Board and Governance Proposals
Positive
Apr 23, 2026
CF Financial Corporation held its Annual Meeting of Shareholders on April 21, 2026, with a quorum of 2,687,415 shares represented, during which shareholders elected five Class III directors to serve until the 2029 annual meeting. Investors also ap...
Dividends
C&F Financial Raises Quarterly Dividend, Signals Ongoing Confidence
Positive
Feb 25, 2026
On February 25, 2026, CF Financial Corporation announced that its board of directors declared a regular quarterly cash dividend of 48 cents per share, payable April 1, 2026 to shareholders of record as of March 13, 2026. The new payout marks a 4 p...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.