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C&F Financial
(NASDAQ:CFFI)
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Rating:74Outperform
Price Target:
$125.00
▲(39.76% 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 profitability
The sharp TTM revenue rebound, combined with a mid-teens net margin, indicates that C&F retains a profitable operating model while expanding its earnings base. If sustained, this combination can support internal capital formation and continued investment across its banking franchise.
Negative Factors
Normalized returns below peak
Although current profitability is healthy, performance below the 2021–2022 peak suggests that prior earnings power was unusually elevated and has not fully returned. This normalization may limit near-term improvement in shareholder returns and constrain the pace of durable earnings growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and profitability
The sharp TTM revenue rebound, combined with a mid-teens net margin, indicates that C&F retains a profitable operating model while expanding its earnings base. If sustained, this combination can support internal capital formation and continued investment across its banking franchise.
Read all positive factors
C&F Financial (CFFI) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$356.65M
Dividend Yield1.73%
Average Volume (3M)72.02K
Price to Earnings (P/E)11.8
Beta (1Y)0.71
Revenue Growth8.41%
EPS Growth15.32%
CountryUS
Employees575
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)9.33
Shares Outstanding3,251,123
10 Day Avg. Volume75,803
30 Day Avg. Volume72,016
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 Cap1.24
Enterprise Value/Revenue2.27
Enterprise Value/Gross Profit3.26
Enterprise Value/Ebitda8.57
Forecast
1Y Price Target
$115.00Price Target Upside28.58% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)9.42
Revenue Forecast (FY)$158.80M
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 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, commercia...
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 | 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
Positive
89.44
Price Trends
97.78
Positive
89.47
Positive
81.44
Positive
Market Momentum
3.69
Negative
68.61
Neutral
85.43
Negative
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 89.44 is below the 20-day moving average (MA) of 104.79, below the 50-day MA of 97.78, and above the 200-day MA of 81.44, indicating a bullish trend. The MACD of 3.69 indicates Negative momentum. The RSI at 68.61 is Neutral, neither overbought nor oversold. The STOCH value of 85.43 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
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
83 Outperform | $332.21M | 10.12 | 18.26% | ― | 37.64% | ― | |
75 Outperform | $268.85M | 10.20 | 15.15% | 2.13% | 4.90% | 24.16% | |
74 Outperform | $356.65M | 11.76 | 11.28% | 1.73% | 8.41% | 15.32% | |
74 Outperform | $281.25M | 11.20 | 8.95% | 4.46% | -1.78% | 5.34% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
65 Neutral | $310.00M | 11.37 | 12.61% | 1.97% | 18.81% | 19.11% |
* Financial Sector Average
CFFI
C&F Financial
109.70
42.96
64.36%
FCCO
First Community
32.98
6.82
26.08%
HWBK
Hawthorn Bancshares
38.96
8.85
29.39%
LCNB
LCNB
19.72
4.92
33.26%
CBNA
Chain Bridge Bancorp, Inc. Class A
50.59
20.86
70.16%
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...
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.