C&F Financial (CFFI) AI Stock Analysis

• Market Cap: $248.53M
• Dividend Yield: 2.4%
• Average Volume (3M): 5.03K
• Price to Earnings (P/E): 9.5
• Beta (1Y): 0.80
• 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: 7,675
• 30 Day Avg. Volume: 5,028
• 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: 1.27
• 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: 71 Outperform
• Price Target: $76.00 ▲(8.77% Upside)

C&F Financial's overall stock score is driven by its strong valuation metrics, including a low P/E ratio and attractive dividend yield. Financial performance is solid, though there are concerns about increasing leverage and declining free cash flow. Technical analysis indicates a neutral trend, with no strong momentum. The recent dividend announcement supports a positive outlook for shareholder returns.

Positive Factors

Revenue Growth

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

Profit Margins

Strong and improving profit margins suggest efficient operations and pricing power, enhancing long-term profitability.

Dividend Announcement

The dividend announcement reflects a stable financial outlook and commitment to shareholder returns, indicating confidence in future earnings.

Negative Factors

Rising Leverage

Increasing leverage can strain financial flexibility and pose risks if not managed, potentially impacting long-term stability.

Free Cash Flow Decline

A decline in free cash flow may limit the company's ability to invest in growth opportunities and meet financial obligations.

Operational Efficiency Pressure

Decreasing margins suggest challenges in maintaining operational efficiency, which could affect profitability if not addressed.

C&F Financial Business Overview & Revenue Model

Company Description

C&F Financial Corporation (CFFI) is a diversified financial services company based in the United States, primarily engaged in banking and financial services. The company operates through various segments, including commercial banking, mortgage banking, and investment services. CFFI offers a range of products and services, including personal and commercial loans, mortgage origination, deposit accounts, and wealth management solutions, catering to both individual and business clients.

How the Company Makes Money

C&F Financial generates revenue through multiple streams, primarily from interest income on loans and fees associated with its banking services. The commercial banking segment contributes significantly to revenue through interest earned on loans provided to businesses and consumers. Additionally, the mortgage banking division generates income from origination fees, servicing fees, and secondary market sales of mortgages. CFFI also earns revenue from investment services, including management fees and commissions from wealth management products. Strategic partnerships with other financial institutions and service providers enhance its offerings and customer reach, further contributing to its overall earnings.

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: Negative
• 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 below the 20-day moving average (MA) of 71.25, above the 50-day MA of 69.50, and above the 200-day MA of 66.41, indicating a bullish trend. The MACD of 2.09 indicates Negative momentum. The RSI at 69.25 is Neutral, neither overbought nor oversold. The STOCH value of 75.34 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
FCCO	77 Outperform	$236.07M	12.83	12.21%	2.02%	11.59%	42.03%
LCNB	77 Outperform	$238.90M	10.12	8.97%	5.23%	5.07%	228.39%
HWBK	74 Outperform	$251.49M	11.42	14.27%	2.17%	0.16%	258.06%
CFFI	71 Outperform	$248.53M	9.49	10.89%	2.40%	8.53%	42.73%
CBNA	70 Outperform	$251.27M	13.38	13.91%	―	―	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
FSFG	66 Neutral	$230.59M	9.90	12.50%	1.95%	7.65%	69.41%

C&F Financial Corporate Events

C&F Financial Announces New Stock Repurchase Program

On December 16, 2025, C&F Financial Corporation’s Board of Directors approved a stock repurchase program allowing for the buyback of up to $5.0 million worth of its common stock during 2026, effective from January 1 through December 31, 2026. The previous repurchase program will expire on December 31, 2025, and the new initiative demonstrates a strategic approach to managing its capital, potentially influencing market perceptions and shareholder value depending on market conditions, stock price trends, and other factors.

C&F Financial Announces Cash Dividend for Shareholders

On November 19, 2025, C&F Financial Corporation announced a cash dividend of 46 cents per share, payable on January 1, 2026, to shareholders recorded by December 15, 2025. This decision reflects the board’s ongoing assessment of economic conditions, capital requirements, and projected earnings, indicating a stable financial outlook and commitment to shareholder returns.