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CFFI Stock Chart & Stats
$89.44
$0.46(0.59%)
At close: 4:00 PM EDT
$89.44
$0.46(0.59%)
Day’s Range― - ―
52-Week Range$66.48 - $105.38
Previous CloseN/A
Volume3.92K
Average Volume (3M)65.84K
Market Cap
$329.40M
Enterprise Value$359.58M
Total Cash (Recent Filing)$520.36M
Total Debt (Recent Filing)$118.17M
Price to Earnings (P/E)11.4
Beta0.72
Next Earnings
Oct 22, 2026EPS Estimate
2.46Next Dividend Ex-DateN/A
Dividend Yield1.88%
Share Statistics
EPS (TTM)8.97
Shares Outstanding3,251,691
10 Day Avg. Volume55,098
30 Day Avg. Volume65,844
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 Cap1.09
Enterprise Value/Revenue1.87
Enterprise Value/Gross Profit2.72
Enterprise Value/Ebitda9.03
Forecast
1Y Price Target
$115.00Price Target Upside28.58% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)9.65
Revenue Forecast (FY)$158.81M
Bulls Say, Bears Say
Bulls Say
Revenue And ProfitabilityThe sharp TTM revenue rebound alongside a mid-teens net margin indicates that C&F is converting renewed business volume into healthy earnings. This combination supports internal capital generation and provides a stronger base for sustaining operations and growth over the next several quarters.
Balance-sheet StrengthImproving leverage and a growing equity base give C&F greater financial flexibility than in the prior comparison period. A reasonable capital structure can help the bank absorb normal credit or rate-cycle pressure while preserving capacity to support lending and shareholder returns.
Earnings Quality And Cash GenerationFree cash flow tracking net income suggests that recent reported profitability is translating into cash generation rather than relying solely on accounting earnings. The strong rebound further improves funding flexibility for balance-sheet needs, investment, and ongoing capital distributions.
Bears Say
Normalized ReturnsAlthough current profitability is healthy, returns below the 2021–2022 peak show that C&F’s earnings power has normalized from unusually favorable levels. This may limit near-term improvement in shareholder returns and makes sustained growth dependent on rebuilding performance rather than merely maintaining the rebound.
Cash-flow VolatilityThe wide year-to-year swings in cash generation reduce predictability even after the latest TTM recovery. Less consistent cash production can complicate capital planning and make the company more reliant on maintaining favorable operating conditions to support lending, investment, and distributions.
Banking-cycle SensitivitySensitivity to credit and interest-rate cycles is a structural feature of C&F’s banking model, not a temporary issue. Changes in borrower performance, loan losses, funding costs, or asset yields could pressure profitability and returns even if the balance sheet remains reasonably leveraged.
C&F Financial News
CFFI FAQ
What was C&F Financial Corp.’s price range in the past 12 months?
C&F Financial Corp. lowest stock price was $66.48 and its highest was $105.38 in the past 12 months.
What is C&F Financial Corp.’s market cap?
C&F Financial Corp.’s market cap is $329.40M.
When is C&F Financial Corp.’s upcoming earnings report date?
C&F Financial Corp.’s upcoming earnings report date is Oct 22, 2026 which is in 2 days.
How were C&F Financial Corp.’s earnings last quarter?
C&F Financial Corp. released its earnings results on Jul 23, 2026. The company reported $2.4 earnings per share for the quarter.
Is C&F Financial Corp. overvalued?
According to Wall Street analysts C&F Financial Corp.’s price is currently Undervalued.
Does C&F Financial Corp. pay dividends?
C&F Financial Corp. pays a Quarterly dividend of $0.48 which represents an annual dividend yield of 1.88%. See more information on C&F Financial Corp. dividends here
What is C&F Financial Corp.’s EPS estimate?
C&F Financial Corp.’s EPS estimate is 2.46.
How many shares outstanding does C&F Financial Corp. have?
C&F Financial Corp. has 3,251,691 shares outstanding.
What happened to C&F Financial Corp.’s price movement after its last earnings report?
C&F Financial Corp. reported an EPS of $2.4 in its last earnings report. Following the earnings report the stock price went down -0.346%.
Which hedge fund is a major shareholder of C&F Financial Corp.?
Currently, no hedge funds are holding shares in CFFI
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
C&F Financial Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$115.00 (28.58% Upside)
$115.00 (28.58% Upside)
Blogger Sentiment
Bullish
CFFI Sentiment 100%
Sector Average 63%
Sector Average 63%
Insider Transactions
Sold Shares
Worth $401.1K over
the Last 3 Months
the Last 3 Months
Technicals
SMA
Positive
20 days / 200 days
Momentum
51.86%
12-Months-Change
Fundamentals
Return on Equity
10.99%
Trailing 12-Months
Asset Growth
4.60%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
C&F Financial Corp.
C&F Financial Corporation functions as a bank holding company, providing oversight for Citizens and Farmers Bank, which delivers a comprehensive range of banking services to both individuals and businesses. Its Retail Banking division offers a diverse suite of services, including checking and savings accounts, in addition to various loan products such as business, real estate, development, mortgage, home equity, and installment loans. This segment also ensures convenient access to amenities like ATMs, internet and mobile banking, and debit and credit cards. Further services include safe deposit box rentals, notary public assistance, electronic transfers, and other standard banking facilities. These retail services are provided through its main office situated in West Point, Virginia, supplemented by 30 additional branches across the state. One branch each is found in Albermarle, Goochland, Hanover, Middlesex, Powhatan, Stafford, York, Charlottesville, Hampton, Montross, Newport News, Richmond, Warsaw, and Williamsburg. Furthermore, two branches are located in each of Cumberland, James City, King George, and New Kent counties, while four branches serve both Chesterfield and Henrico counties. The Mortgage Banking segment specializes in a broad spectrum of residential mortgage loans. It facilitates conventional mortgages, those insured by the Federal Housing Administration (FHA), and loans guaranteed by both the United States Department of Agriculture (USDA) and the Veterans Administration (VA). This division also offers supporting services for mortgage origination, including residential appraisals, and extends various mortgage origination functions to third-party clients. Mortgage services are available through 11 offices in Virginia, one office in Maryland, two offices in North Carolina, and one office each in South Carolina and West Virginia. The company's Consumer Finance segment, with offices in Richmond and Hampton, Virginia, primarily provides automobile loans. Beyond these core banking operations, C&F Financial Corporation also furnishes brokerage and wealth management services, alongside various insurance products. Additionally, the company delivers title and settlement agency services. C&F Financial Corporation was established in 1927 and maintains its headquarters in West Point, Virginia.
CFFI Stock 12 Month Forecast
Average Price Target
$115.00
▲(28.58% Upside)
Technical Analysis
Ownership Overview
6.49% Insiders
14.81% Mutual Funds
0.84% Other Institutional Investors
61.67% Public Companies and
Individual Investors