Want to see CFFI full AI Analyst Report?
Top Page
C&F Financial
(NASDAQ:CFFI)
Select Model
Select Model
Rating:74Outperform
Price Target:
$98.00
▲(25.64% Upside)
Action:Reiterated
Date:08/20/26
The score is driven primarily by solid financial performance (rebounding revenue, steady profitability, and reasonable leverage) tempered by below-peak returns and cash-flow volatility. Technicals add support via a clear uptrend and positive momentum, while valuation is a notable positive given the low P/E and moderate dividend yield; recent corporate updates reinforce stability but do not materially change the outlook.
Positive Factors
Revenue and earnings growth
Recent revenue expansion and double-digit EPS growth indicate renewed operating momentum across the banking franchise. If sustained, broader loan and fee activity can support earnings growth over the next several quarters.
Negative Factors
Returns remain below prior peaks
Although current profitability is healthy, returns below the prior peak indicate that normalized earnings power has not fully recovered. This may limit the pace of capital accumulation and constrain upside from operating leverage.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and earnings growth
Recent revenue expansion and double-digit EPS growth indicate renewed operating momentum across the banking franchise. If sustained, broader loan and fee activity can support earnings growth over the next several quarters.
Read all positive factors
C&F Financial (CFFI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$283.61M
Dividend Yield2.12%
Average Volume (3M)5.35K
Price to Earnings (P/E)9.9
Beta (1Y)0.75
Revenue Growth8.95%
EPS Growth18.66%
CountryUS
Employees575
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)8.97
Shares Outstanding3,251,691
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
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 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 div...
How the Company Makes Money
C&F Financial primarily makes money through a traditional community-banking model, supplemented by fee-based financial services. Its largest earnings driver is net interest income: the company collects interest on loans (e.g., commercial and indus...
C&F Financial Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
70
Positive
Cash Flow
66
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 192.03M | 186.13M | 166.51M | 149.76M | 123.45M | 139.97M |
| Gross Profit | 132.27M | 129.29M | 110.44M | 115.05M | 112.39M | 131.04M |
| EBITDA | 39.63M | 36.61M | 27.99M | 33.04M | 41.32M | 42.82M |
| Net Income | 29.09M | 26.84M | 19.83M | 23.60M | 29.16M | 28.67M |
Balance Sheet | ||||||
| Total Assets | 2.81B | 2.77B | 2.56B | 2.44B | 2.33B | 2.26B |
| Cash, Cash Equivalents and Short-Term Investments | 520.36M | 406.36M | 132.04M | 537.60M | 539.25M | 640.82M |
| Total Debt | 118.17M | 113.33M | 122.61M | 109.54M | 92.08M | 90.46M |
| Total Liabilities | 2.53B | 2.51B | 2.34B | 2.22B | 2.14B | 2.05B |
| Stockholders Equity | 277.79M | 261.75M | 226.36M | 216.88M | 195.63M | 210.32M |
Cash Flow | ||||||
| Free Cash Flow | 41.29M | 22.16M | 35.00M | 37.35M | 87.17M | 152.60M |
| Operating Cash Flow | 42.79M | 24.49M | 38.49M | 38.81M | 90.56M | 157.39M |
| Investing Cash Flow | -134.11M | -169.35M | -148.64M | -56.34M | -411.28M | -138.69M |
| Financing Cash Flow | 73.24M | 158.41M | 100.58M | 66.03M | 79.64M | 162.38M |
C&F Financial Technical Analysis
Positive
78.00
Price Trends
81.58
Positive
77.85
Positive
74.66
Positive
Market Momentum
2.13
Negative
61.80
Neutral
46.94
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 78 is below the 20-day moving average (MA) of 85.49, below the 50-day MA of 81.58, and above the 200-day MA of 74.66, indicating a bullish trend. The MACD of 2.13 indicates Negative momentum. The RSI at 61.80 is Neutral, neither overbought nor oversold. The STOCH value of 46.94 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 |
|---|---|---|---|---|---|---|---|
81 Outperform | $306.60M | 11.39 | 15.42% | ― | 14.46% | 23.69% | |
78 Outperform | $271.65M | 10.32 | 15.01% | 2.14% | 4.90% | 24.16% | |
75 Outperform | $282.11M | 11.29 | 8.92% | 4.32% | -2.20% | 15.53% | |
74 Outperform | $283.61M | 9.90 | 10.99% | 2.41% | 8.95% | 18.66% | |
73 Outperform | $317.71M | 12.49 | 12.17% | 1.90% | 15.68% | 20.07% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
* Financial Sector Average
CFFI
C&F Financial
88.84
19.26
27.69%
FCCO
First Community
33.96
7.69
29.29%
HWBK
Hawthorn Bancshares
39.44
7.53
23.61%
LCNB
LCNB
19.53
4.27
27.96%
CBNA
Chain Bridge Bancorp, Inc. Class A
46.25
17.87
62.97%
C&F Financial Corporate Events
Business Operations and StrategyDividends
C&F Financial Declares Quarterly Cash Dividend to Shareholders
Positive
Aug 19, 2026
On August 19, 2026, CF Financial Corporation announced that its board of directors declared a regular cash dividend of 48 cents per share, payable on October 1, 2026 to shareholders of record as of September 15, 2026. This decision reflects the bo...
Business Operations and StrategyFinancial Disclosures
C&F Financial Highlights Q2 Strategy and Competitive Strengths
Positive
Jul 23, 2026
On July 23, 2026, CF Financial Corporation made its second quarter 2026 investor presentation available on its investor relations website, outlining its strategic priorities and leadership structure. The materials emphasize that the bank and its a...
Dividends
C&F Financial Declares Regular Quarterly Cash Dividend
Positive
May 20, 2026
On May 20, 2026, CF Financial Corporation announced that its board of directors declared a regular cash dividend of $0.48 per share, payable on July 1, 2026 to shareholders of record as of June 15, 2026. The board stated that it continually evalua...
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.