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C&F Financial (CFFI) AI Stock Analysis

118 Followers
CFFI

C&F Financial

(NASDAQ:CFFI)

Select Model
Rating:79Outperform
Price Target:$121.00â–²(14.15% Upside)
Action:reiterated
Date:11/14/26

C&F Financial earns a solid score of 79, driven primarily by strong fundamental execution and an attractive valuation. The company boasts robust margin expansion, a conservatively leveraged balance sheet, and an appealing P/E ratio of 11.24. Additionally, a recent 4% dividend hike underscores management's confidence in future cash flows. While the stock has experienced a slight near-term pullback, medium and long-term bullish technical trends remain firmly intact, presenting a compelling profile for value investors.

Positive Factors
Revenue and earnings growthTTM revenue growth and improving earnings show current expansion in the core banking franchise. Healthy mid-teens net margin means growth is translating into profitability, while recent momentum provides a stronger base for reinvestment and shareholder returns over the next several quarters.
Negative Factors
Rising debtDebt has risen from 2025 to TTM even though leverage remains manageable. The increase adds balance-sheet exposure and could reduce flexibility if funding costs or credit conditions worsen, making capital deployment and future growth more sensitive to the operating environment.

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

-20%0%20%40%60%80%CFFI+60.00%SPY+14.55%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
Market Cap
$343.89M
Dividend Yield
1.80%
Average Volume (3M)
68.26K
Price to Earnings (P/E)
11.2
Beta (1Y)
0.70
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

C&F Financial exhibits a solid financial foundation with strong profit margin expansion to 15.5%. The balance sheet is well-capitalized with a conservative debt-to-equity ratio of 0.51, and the firm delivers a highly efficient 99% free cash flow conversion rate.

Income Statement

78Positive

Balance Sheet

82Very Positive

Cash Flow

74Positive
Financial statement breakdown
BreakdownTTMDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue195.04M186.13M166.51M149.76M123.45M139.97M
Gross Profit135.64M129.29M110.44M115.05M112.39M131.04M
EBITDA51.59M36.61M27.99M33.04M41.32M42.82M
Net Income30.29M26.84M19.83M23.60M29.16M28.67M
Balance Sheet
Total Assets2.81B2.77B2.56B2.44B2.33B2.26B
Cash, Cash Equivalents and Short-Term Investments500.03M406.36M132.04M537.60M539.25M640.82M
Total Debt138.09M113.33M122.61M109.54M92.08M90.46M
Total Liabilities2.54B2.51B2.34B2.22B2.14B2.05B
Stockholders Equity268.75M261.75M226.36M216.88M195.63M210.32M
Cash Flow
Free Cash Flow42.18M22.16M35.00M37.35M87.17M152.60M
Operating Cash Flow48.62M24.49M38.49M38.81M90.56M157.39M
Investing Cash Flow-173.56M-169.35M-148.64M-56.34M-411.28M-138.69M
Financing Cash Flow74.82M158.41M100.58M66.03M79.64M162.38M

C&F Financial Technical Analysis

Technical Analysis SentimentNeutral
Last Price106.00

Price Trends

50DMA101.18Positive
100DMA92.36Positive
200DMA83.16Positive

Market Momentum

MACD1.76Positive
RSI50.67Neutral
STOCH18.51Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For CFFI, the sentiment is Neutral. The current price of 106.00 is below the 20-day moving average (MA) of 107.62, above the 50-day MA of 101.18, and above the 200-day MA of 83.16, indicating a neutral trend. The MACD of 1.76 indicates Positive momentum. The RSI at 50.67 is Neutral, neither overbought nor oversold. The STOCH value of 18.51 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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.

Higher RiskSector Avg.Lower RiskFinance & CorporateTech & InnovationLegal & RegulatoryProductionAbility to SellMacro & Political
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy

Latest Risks Added

3 New Risks
1.We use models in our business, and we could be adversely affected if our design, implementation, or use of models is flawed.Q4, 2025
2.We are subject to losses due to errors, omissions or fraud by our employees, clients, counterparties or other third parties.Q4, 2025
3.We are subject to physical and financial risks associated with climate change and other weather and natural disaster impactsQ4, 2025

C&F Financial Peers Comparison

Overall Rating

UnderperformOutperform
Sector (55)

Financial Indicators

CFFI against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
CBNACBNA84Outperform$344.01M10.4218.26%―37.64%75.27%
CFFICFFI79Outperform$345.29M11.2411.28%1.80%8.41%15.32%
LCNBLCNB75Outperform$280.25M11.148.95%4.49%-1.78%5.15%
FCCOFCCO74Outperform$307.20M11.3117.50%2.02%18.81%19.11%
HWBKHWBK74Outperform$287.49M9.9115.12%2.11%5.50%18.90%
Sector *55Neutral$6.65B3.83-15.92%6.20%10.91%7.18%

* General Sector Average

Performance Comparison

0%20%40%60%CFFIFCCOHWBKLCNBCBNADec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
CFFI and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
CFFIC&f Financial106.0040.8462.67%
FCCOFirst Community32.676.2623.70%
HWBKHawthorn Bancshares39.208.6928.48%
LCNBLcnb Corporation19.665.1835.73%
CBNAChain Bridge Bancorp, Inc. Class A52.7722.5574.62%

C&F Financial Corporate Events

Dividends

C&F Financial Declares Increased Quarterly Cash Dividend

Positive
Nov 13, 2026

On November 13, 2026, C&F Financial Corporation said its board had declared a regular cash dividend of 50 cents per share, payable January 1, 2027, to shareholders of record on December 14, 2026. The dividend was 4% higher than the prior quarter’s 48...

Business Operations and StrategyFinancial Disclosures

C&F Financial Publishes Third-Quarter 2026 Investor Presentation

Neutral
Nov 5, 2026

On November 5, 2026, C&F Financial Corporation published its third-quarter 2026 investor presentation, outlining its competitive advantages, long-term strategy, financial performance and risk-management approach. The presentation highlighted prioriti...

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 boar...

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: Nov 14, 2026