C&F Financial (CFFI) AI Stock Analysis

• Market Cap: $222.01M
• Dividend Yield: 2.63%
• Average Volume (3M): 32.94K
• Price to Earnings (P/E): 10.4
• Beta (1Y): 0.92
• Revenue Growth: 11.71%
• EPS Growth: 32.12%
• Country: US
• Employees: 545
• Sector: Financial
• Sector Strength: 73
• Industry: Banks - Regional
• EPS (TTM): 2.38
• Shares Outstanding: 3,239,137
• 10 Day Avg. Volume: 20,367
• 30 Day Avg. Volume: 32,936
• PEG Ratio: 1.64
• Price to Book (P/B): 1.04
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 2.35
• Enterprise Value/Market Cap: 1.22
• Enterprise Value/Revenue: 0.47
• Enterprise Value/Gross Profit: 2.19
• Enterprise Value/Ebitda: 2.15
• 1Y Price Target: $72.00
• Price Target Upside: 5.05% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 79 Outperform
• Price Target: $78.00 ▲(13.80%Upside)

C&F Financial's solid financial performance, combined with strong technical indicators and favorable valuation, contribute to a robust score. Recent corporate developments further enhance its investment appeal. Key risks include leverage and potential cash flow constraints from investments, but the overall outlook remains positive.

C&F Financial Business Overview & Revenue Model

Company Description

C&F Financial Corporation (CFFI) is a bank holding company headquartered in West Point, Virginia. It operates through its subsidiaries, providing a wide range of financial services primarily focused on community banking. The company offers traditional banking products and services such as checking and savings accounts, personal and commercial loans, mortgages, and credit cards. In addition, it provides investment and wealth management services, as well as insurance products, catering to both individual and business clients within its market regions.

How the Company Makes Money

C&F Financial Corporation generates revenue primarily through interest income from its loan portfolio, which includes personal, commercial, and real estate loans. The company earns additional income from various fees and service charges associated with account maintenance, transaction processing, and other banking services. Wealth management and investment services contribute to revenue through advisory fees and commissions. Furthermore, insurance products offered by the company add to its earnings through policy premiums and related fees. Strategic partnerships with other financial institutions and businesses enhance its service offerings and expand its customer base, further driving revenue growth.

C&F Financial Financial Statement Overview

Summary

C&F Financial shows strong revenue growth and profit margins, with a well-managed cost structure. The balance sheet is moderately leveraged, typical for the banking industry, but requires monitoring. Cash flow is stable with positive free cash flow growth, although negative investing cash flows could impact future liquidity.

Income Statement

C&F Financial has demonstrated consistent revenue growth with a TTM growth rate of 9.53% from the previous year. The Gross Profit Margin stands at 80.65%, indicating strong profitability in core operations. However, there is a decline in EBIT Margin to 19.39%, suggesting rising operational costs. The Net Profit Margin is healthy at 14.28%, reflecting efficient cost management and profitability.

Balance Sheet

The company's Debt-to-Equity Ratio is 0.51, which indicates a manageable level of debt. The Return on Equity (ROE) is 9.30%, showcasing decent returns for shareholders. The Equity Ratio is 8.98%, relatively low, suggesting higher leverage risk which is typical in the banking industry but warrants attention.

Cash Flow

C&F Financial's Free Cash Flow increased by 7.23%, showcasing positive cash generation. The Operating Cash Flow to Net Income Ratio of 1.87 indicates robust cash earnings relative to reported profits. However, the company's cash flows from investing activities are negative, primarily due to capital expenditures, which could affect future cash reserves.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	152.89M	139.59M	119.05M	119.73M	131.62M	96.91M
Gross Profit	123.34M	110.44M	123.33M	115.56M	131.62M	96.91M
EBITDA	43.55M	27.99M	33.04M	41.32M	38.36M	33.41M
Net Income	21.83M	19.83M	23.60M	29.16M	28.67M	22.12M
Balance Sheet
Total Assets	2.61B	2.56B	2.44B	2.33B	2.26B	2.09B
Cash, Cash Equivalents and Short-Term Investments	315.03M	434.79M	537.60M	539.25M	640.82M	373.06M
Total Debt	119.45M	122.61M	109.54M	92.08M	90.46M	76.17M
Total Liabilities	2.38B	2.34B	2.22B	2.14B	2.05B	1.89B
Stockholders Equity	234.63M	226.36M	216.88M	195.63M	210.32M	193.81M
Cash Flow
Free Cash Flow	37.54M	35.00M	37.35M	87.17M	152.60M	-90.60M
Operating Cash Flow	40.80M	38.49M	38.81M	90.56M	157.39M	-80.37M
Investing Cash Flow	-132.56M	-148.64M	-56.34M	-411.28M	-138.69M	-183.29M
Financing Cash Flow	112.50M	100.58M	66.03M	79.64M	162.38M	184.90M

C&F Financial Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 68.54
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

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 68.54 is above the 20-day moving average (MA) of 65.65, above the 50-day MA of 64.84, and above the 200-day MA of 68.13, indicating a bullish trend. The MACD of 1.19 indicates Negative momentum. The RSI at 62.15 is Neutral, neither overbought nor oversold. The STOCH value of 92.86 is Negative, 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
FUNC	80 Outperform	$224.55M	9.75	13.37%	2.54%	11.42%	63.24%
CFFI	79 Outperform	$222.01M	10.36	10.69%	2.63%	11.71%	32.12%
FVCB	76 Outperform	$238.39M	11.96	8.69%	―	17.89%	351.71%
HWBK	74 Outperform	$199.76M	10.90	6.62%	2.68%	4.86%	800.59%
OPOF	72 Outperform	$210.79M	21.07	8.85%	1.38%	4.92%	55.04%
FINW	69 Neutral	$206.94M	17.72	7.56%	―	13.75%	-14.44%
Sector *	61 Neutral	C$15.12B	6.81	23.28%	5.39%	33.61%	-23.38%

C&F Financial Corporate Events

C&F Financial Reports Strong Q2 2025 Net Income Growth

On July 24, 2025, C&F Financial Corporation announced a significant increase in its net income for the second quarter and first six months of 2025, compared to the same periods in 2024. The company’s net income rose by 54.3% for the second quarter and 55.4% for the first six months, driven by loan and deposit growth in its community banking segment and increased loan originations in its mortgage banking segment. Despite challenges in the auto loan market, the company is optimistic about its operational efficiency initiatives and technology investments. The expansion into Southwest Virginia is expected to strengthen its position as a leading community bank in the region.

C&F Financial Issues $40M Subordinated Notes

On June 6, 2025, C&F Financial Corporation entered into a Subordinated Note Purchase Agreement, issuing $40 million in subordinated notes due 2035. These notes, initially bearing a 7.50% interest rate, are structured to qualify as Tier 2 capital and will be used to refinance existing subordinated debt. Concurrently, the company repurchased $20 million of its 4.875% notes due 2030, thereby managing its debt obligations effectively.

C&F Financial Declares Regular Cash Dividend

On May 21, 2025, C&F Financial Corporation announced that its board of directors declared a regular cash dividend of 46 cents per share, payable on July 1, 2025, to shareholders of record as of June 13, 2025. This decision reflects the board’s ongoing assessment of economic conditions, capital requirements, and anticipated earnings, indicating a stable financial outlook for the company and its commitment to returning value to shareholders.

C&F Financial Highlights Q1 2025 Strong Performance

On May 1, 2025, C&F Financial Corporation released an investor presentation for the first quarter of 2025, highlighting its strong financial performance and strategic initiatives. The presentation, available on the company’s website, outlines the corporation’s solid community banking foundation, regional mortgage banking exposure, and consumer finance segments, emphasizing its top-tier financial performance and strong balance sheet. The announcement is significant for stakeholders as it reflects the company’s ongoing commitment to maintaining a quality dividend while ensuring capital for growth.