C&F Financial Corp. (CFFI)
NASDAQ:CFFI
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C&F Financial
(NASDAQ:CFFI)
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Rating:68Neutral
Price Target:
$80.00
▲(14.61% Upside)
Action:DowngradedDate:03/04/26
The score is primarily supported by solid overall financial performance (revenue/profitability improving and leverage moderating), but capped by cash-flow volatility and a sharp 2025 free-cash-flow drop. Valuation is a notable positive (low P/E with a moderate dividend), while technicals are mixed with near-term weakness despite longer-term support; recent corporate actions are mildly supportive.
Positive Factors
Steady revenue growth
Consistent top-line growth over the 2023–2025 period (2025 revenue +4.2%) signals durable customer demand across C&F Financial’s diversified businesses (commercial banking, mortgage, wealth). Persistent revenue expansion supports long-term earnings stability and predictable franchise cash generation.
Negative Factors
Free cash flow volatility
A roughly 56% decline in free cash flow in 2025 and a history of volatility (including prior negative operating/FCF periods) undermines predictability of internal funding. For a regional bank, inconsistent cash flow complicates lending capacity, capital returns, and the ability to finance growth without relying on external funding.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady revenue growth
Consistent top-line growth over the 2023–2025 period (2025 revenue +4.2%) signals durable customer demand across C&F Financial’s diversified businesses (commercial banking, mortgage, wealth). Persistent revenue expansion supports long-term earnings stability and predictable franchise cash generation.
Read all positive factors
C&F Financial (CFFI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$250.14M
Dividend Yield2.55%
Average Volume (3M)5.35K
Price to Earnings (P/E)8.8
Beta (1Y)0.80
Revenue Growth8.53%
EPS Growth42.73%
CountryUS
Employees545
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)2.07
Shares Outstanding3,255,801
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 Cap1.41
Enterprise Value/Revenue1.92
Enterprise Value/Gross Profit2.78
Enterprise Value/Ebitda9.78
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 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 p...
C&F Financial Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
71
Positive
Cash Flow
58
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 186.13M | 166.51M | 149.76M | 123.45M | 139.97M |
| Gross Profit | 129.29M | 110.44M | 115.05M | 112.39M | 131.04M |
| EBITDA | 33.07M | 27.99M | 33.04M | 41.32M | 42.82M |
| Net Income | 26.84M | 19.83M | 23.60M | 29.16M | 28.67M |
Balance Sheet | |||||
| Total Assets | 2.77B | 2.56B | 2.44B | 2.33B | 2.26B |
| Cash, Cash Equivalents and Short-Term Investments | 471.73M | 132.04M | 537.60M | 539.25M | 640.82M |
| Total Debt | 115.81M | 122.61M | 109.54M | 92.08M | 90.46M |
| Total Liabilities | 2.51B | 2.34B | 2.22B | 2.14B | 2.05B |
| Stockholders Equity | 262.35M | 226.36M | 216.88M | 195.63M | 210.32M |
Cash Flow | |||||
| Free Cash Flow | 22.16M | 35.00M | 37.35M | 87.17M | 152.60M |
| Operating Cash Flow | 24.49M | 38.49M | 38.81M | 90.56M | 157.39M |
| Investing Cash Flow | -169.35M | -148.64M | -56.34M | -411.28M | -138.69M |
| Financing Cash Flow | 158.41M | 100.58M | 66.03M | 79.64M | 162.38M |
C&F Financial Technical Analysis
Positive
69.80
Price Trends
74.31
Positive
72.29
Positive
69.42
Positive
Market Momentum
0.29
Negative
61.85
Neutral
71.36
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 69.8 is below the 20-day moving average (MA) of 72.65, below the 50-day MA of 74.31, and above the 200-day MA of 69.42, indicating a bullish trend. The MACD of 0.29 indicates Negative momentum. The RSI at 61.85 is Neutral, neither overbought nor oversold. The STOCH value of 71.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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 |
|---|---|---|---|---|---|---|---|
68 Neutral | $250.14M | 8.76 | 10.84% | 2.55% | 8.53% | 42.73% | |
68 Neutral | $241.01M | 10.24 | 14.66% | 2.39% | 0.16% | 258.06% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
66 Neutral | $244.89M | 10.22 | 8.68% | 5.32% | 5.07% | 228.39% | |
66 Neutral | $237.41M | 11.23 | 4.99% | ― | ― | ― | |
53 Neutral | $294.00M | 11.84 | 12.11% | 2.07% | 11.59% | 42.03% |
* Financial Sector Average
CFFI
C&F Financial
76.83
19.98
35.15%
FCCO
First Community
31.33
11.05
54.49%
HWBK
Hawthorn Bancshares
34.92
8.37
31.53%
LCNB
LCNB
17.20
4.27
33.07%
CBNA
Chain Bridge Bancorp, Inc. Class A
36.04
14.76
69.36%
C&F Financial Corporate Events
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...
Business Operations and StrategyExecutive/Board Changes
C&F Financial Appoints Dr. David Downs to Board
Positive
Jan 23, 2026
On January 20, 2026, CF Financial Corporation’s board appointed long-time adviser Dr. David H. Downs as a director of both the Corporation and CF Bank, effective February 24, 2026, with his initial term running until the April 2026 annual sh...
Business Operations and StrategyStock Buyback
C&F Financial Announces New Stock Repurchase Program
Neutral
Dec 17, 2025
On December 16, 2025, CF 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....
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.