C&F Financial (CFFI) AI Stock Analysis

C&F Financial

(NASDAQ:CFFI)

Select Model

Rating:74Outperform

Price Target:$125.00▲(13.28% Upside)

Action:reiterated

Date:08/20/26

C&F Financial's overall score of 74 is driven by a strong financial foundation, featuring a robust balance sheet and consistent profitability. The stock's attractive valuation, with a low P/E ratio and a reliable dividend yield, further supports the positive outlook. Technical trends are favorable, confirming an uptrend, though neutral momentum indicators prevent a higher score. The primary risk is the historical volatility in operating cash flow and compressed margins compared to peak years.

Positive Factors

Revenue GrowthThe sharp TTM revenue rebound indicates renewed business activity across the banking franchise and improves operating leverage potential. If maintained, stronger revenue provides a durable base for continued profitability, capital formation, and investment in customer relationships and delivery channels.

Negative Factors

Below-Peak ReturnsAlthough current profitability is solid, lower margins and earnings power than in 2021–2022 show that prior peak performance has not been fully sustained. This may constrain the pace of capital accumulation and indicates that recent revenue growth has not restored historical profitability levels.

C&F Financial (CFFI) vs. SPDR S&P 500 ETF (SPY)

Market Cap: $361.59M
Dividend Yield: 1.71%
Average Volume (3M): 66.73K
Price to Earnings (P/E): 11.9
Beta (1Y): 0.71
Revenue Growth: 8.41%
EPS Growth: 15.32%
Country: US
Employees: 575
Sector: General
Sector Strength: 55
Industry: Banks - Regional

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 divers...

How the Company Makes Money

C&F Financial primarily makes money through traditional banking activities. The largest driver is generally net interest income: it earns interest and fees on loans and other interest-earning assets (such as commercial real estate loans, commercial a...

C&F Financial Financial Statement Overview

Summary

Solid financial profile with consistent revenue growth and a strong balance sheet (low leverage, growing equity). Profitability is healthy with a 15.2% net margin, though margins have compressed from prior highs. Cash flow conversion is excellent, but historical volatility in operating cash flow is a minor concern.

Income Statement

72Positive

Balance Sheet

85Very Positive

Cash Flow

68Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	195.04M	186.13M	166.51M	149.76M	123.45M	139.97M
Gross Profit	135.64M	129.29M	110.44M	115.05M	112.39M	131.04M
EBITDA	51.59M	36.61M	27.99M	33.04M	41.32M	42.82M
Net Income	30.29M	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	500.03M	406.36M	132.04M	537.60M	539.25M	640.82M
Total Debt	138.09M	113.33M	122.61M	109.54M	92.08M	90.46M
Total Liabilities	2.54B	2.51B	2.34B	2.22B	2.14B	2.05B
Stockholders Equity	268.75M	261.75M	226.36M	216.88M	195.63M	210.32M
Cash Flow
Free Cash Flow	18.59M	22.16M	35.00M	37.35M	87.17M	152.60M
Operating Cash Flow	19.35M	24.49M	38.49M	38.81M	90.56M	157.39M
Investing Cash Flow	-119.13M	-169.35M	-148.64M	-56.34M	-411.28M	-138.69M
Financing Cash Flow	65.80M	158.41M	100.58M	66.03M	79.64M	162.38M

C&F Financial Technical Analysis

Technical Analysis SentimentPositive

Last Price110.35

Price Trends

50DMA98.31Positive

100DMA89.81Positive

200DMA81.65Positive

Market Momentum

MACD3.74Negative

RSI71.14Negative

STOCH84.16Negative

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 110.35 is above the 20-day moving average (MA) of 105.37, above the 50-day MA of 98.31, and above the 200-day MA of 81.65, indicating a bullish trend. The MACD of 3.74 indicates Negative momentum. The RSI at 71.14 is Negative, neither overbought nor oversold. The STOCH value of 84.16 is Negative, 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

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

CFFI against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CBNA	80Outperform	$332.21M	10.30	18.26%	―	37.64%	―
HWBK	75Outperform	$268.85M	9.96	15.69%	2.11%	5.53%	18.94%
CFFI	74Outperform	$356.65M	11.92	11.28%	1.71%	8.41%	15.32%
LCNB	74Outperform	$281.25M	11.36	8.95%	4.40%	-1.78%	5.34%
FCCO	65Neutral	$310.00M	11.64	12.61%	1.95%	18.81%	19.11%
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%

* General Sector Average

Performance Comparison

CFFI and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
CFFI	C&f Financial	111.22	44.56	66.85%
FCCO	First Community	33.76	7.55	28.81%
HWBK	Hawthorn Bancshares	39.34	9.68	32.63%
LCNB	Lcnb Corporation	20.00	5.47	37.63%
CBNA	Chain Bridge Bancorp, Inc. Class A	51.51	21.44	71.30%

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, C&F 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...

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.

Date of analysis: Aug 19, 2026

C&F Financial AI Stock Analysis