C&F Financial (CFFI) AI Stock Analysis

• Market Cap: $220.65M
• Dividend Yield: 2.65%
• Average Volume (3M): 3.84K
• Price to Earnings (P/E): 8.4
• Beta (1Y): 0.88
• Revenue Growth: 8.53%
• EPS Growth: 42.73%
• Country: US
• Employees: 545
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.19
• Shares Outstanding: 3,238,232
• 10 Day Avg. Volume: 4,016
• 30 Day Avg. Volume: 3,844
• PEG Ratio: -0.90
• Price to Book (P/B): 1.04
• Price to Sales (P/S): 1.41
• P/FCF Ratio: 6.72
• Enterprise Value/Market Cap: 1.43
• Enterprise Value/Revenue: 1.80
• Enterprise Value/Gross Profit: 2.66
• Enterprise Value/Ebitda: 9.30
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 74 Outperform
• Price Target: $77.00 ▲(10.20% Upside)

C&F Financial's strong valuation and positive technical indicators are the primary drivers of its stock score. The company's solid financial performance supports this, although attention to leverage and cash flow is necessary. The absence of earnings call data and corporate events does not impact the score.

Positive Factors

Revenue Growth

Consistent revenue growth indicates a strong market position and effective business strategies, supporting long-term financial stability.

Profitability

High and improving profit margins suggest efficient operations and pricing power, which are critical for sustaining long-term profitability.

Capital Structure

A strong capital structure with a healthy equity ratio provides financial resilience and flexibility for future growth and investments.

Negative Factors

Increasing Leverage

Rising leverage could increase financial risk and limit the company's ability to invest in growth opportunities, impacting long-term stability.

Declining Free Cash Flow

A decline in free cash flow can strain liquidity and reduce the company's ability to fund operations and growth initiatives without additional financing.

Operational Efficiency

Decreasing operational margins suggest potential inefficiencies, which could hinder profitability and competitiveness if not addressed.

C&F Financial Business Overview & Revenue Model

Company Description

C&F Financial (CFFI) is a diversified financial services holding company based in the United States, primarily operating through its subsidiaries in banking, mortgage banking, and investment services. The company serves various customer segments, providing a range of financial products including consumer loans, commercial loans, and mortgage services, as well as investment management and financial advisory services. C&F Financial aims to deliver personalized banking experiences while focusing on community engagement and sustainable growth.

How the Company Makes Money

C&F Financial generates revenue through several key streams. The primary source is net interest income from its banking operations, which includes interest earned on loans and other financial products, minus interest paid on customer deposits and borrowings. Additionally, the company earns non-interest income from its mortgage banking segment, which includes fees from mortgage origination, servicing, and secondary market activities. Investment services also contribute to revenue through advisory fees and commissions. Strategic partnerships with other financial institutions and service providers help enhance C&F Financial's product offerings and expand its customer base, further driving profitability.

C&F Financial Financial Statement Overview

Summary

C&F Financial demonstrates strong revenue growth and profitability, with stable margins and a solid capital structure. However, increasing leverage and declining free cash flow growth pose potential risks. The company should focus on improving operational efficiency and managing debt levels to sustain its financial health.

Income Statement

C&F Financial shows a solid revenue growth rate of 3.55% in the TTM, indicating a positive trend. The gross profit margin is strong at 67.44%, and the net profit margin has improved to 13.89% from the previous year. However, the EBIT and EBITDA margins have slightly decreased compared to earlier years, suggesting some pressure on operational efficiency.

Balance Sheet

The debt-to-equity ratio has increased to 0.61 in the TTM, indicating rising leverage, which could pose a risk if not managed carefully. Return on equity is stable at 10.55%, reflecting consistent profitability. The equity ratio remains healthy, showing a solid capital structure.

Cash Flow

Free cash flow has declined by 16.28% in the TTM, which is a concern. The operating cash flow to net income ratio is low at 0.015, suggesting potential cash flow issues. However, the free cash flow to net income ratio remains robust at 0.91, indicating efficient cash conversion.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	175.82M	166.51M	149.76M	123.45M	139.97M	148.21M
Gross Profit	118.86M	110.44M	115.05M	112.39M	131.04M	123.75M
EBITDA	34.00M	27.99M	33.04M	41.32M	42.82M	33.41M
Net Income	24.48M	19.83M	23.60M	29.16M	28.67M	22.12M
Balance Sheet
Total Assets	2.69B	2.56B	2.44B	2.33B	2.26B	2.09B
Cash, Cash Equivalents and Short-Term Investments	373.69M	132.04M	537.60M	539.25M	640.82M	373.06M
Total Debt	146.13M	122.61M	109.54M	92.08M	90.46M	76.17M
Total Liabilities	2.45B	2.34B	2.22B	2.14B	2.05B	1.89B
Stockholders Equity	240.31M	226.36M	216.88M	195.63M	210.32M	193.81M
Cash Flow
Free Cash Flow	31.43M	35.00M	37.35M	87.17M	152.60M	-90.60M
Operating Cash Flow	34.72M	38.49M	38.81M	90.56M	157.39M	-80.37M
Investing Cash Flow	-166.03M	-148.64M	-56.34M	-411.28M	-138.69M	-183.29M
Financing Cash Flow	166.84M	100.58M	66.03M	79.64M	162.38M	184.90M

C&F Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 69.87
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CFFI, the sentiment is Positive. The current price of 69.87 is above the 20-day moving average (MA) of 69.37, above the 50-day MA of 68.48, and above the 200-day MA of 67.16, indicating a neutral trend. The MACD of 0.19 indicates Positive momentum. The RSI at 50.76 is Neutral, neither overbought nor oversold. The STOCH value of 65.53 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for CFFI.

C&F Financial Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CFFI	74 Outperform	$220.65M	8.43	10.89%	2.65%	8.53%	42.73%
HWBK	73 Outperform	$234.73M	10.66	14.27%	2.55%	0.16%	258.06%
LCNB	70 Outperform	$222.02M	9.40	8.97%	5.47%	5.07%	228.39%
CBNA	70 Outperform	$213.66M	11.38	13.91%	―	―	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FSFG	66 Neutral	$207.16M	8.94	12.50%	2.01%	7.69%	69.41%
FCCO	65 Neutral	$221.16M	12.02	12.21%	2.16%	11.59%	42.03%

C&F Financial Corporate Events

C&F Financial Declares Regular Cash Dividend

On August 20, 2025, C&F Financial Corporation announced that its board of directors declared a regular cash dividend of 46 cents per share, payable on October 1, 2025, to shareholders of record as of September 15, 2025. The board regularly reviews dividend amounts in consideration of economic conditions, capital requirements, and future earnings, indicating a strategic approach to maintaining shareholder value.

The most recent analyst rating on (CFFI) stock is a Buy with a $73.00 price target. To see the full list of analyst forecasts on C&F Financial stock, see the CFFI Stock Forecast page.

C&F Financial Reports Strong Earnings Growth in 2025

C&F Financial Corporation is a holding company for C&F Bank, operating in the financial services sector with a focus on community banking, mortgage banking, and consumer finance. The company is headquartered in Toano, Virginia.