CFF Stock Chart & Stats
€65.50
-€0.50(-0.76%)
At close: 4:00 PM EDT
€65.50
-€0.50(-0.76%)
Day’s Range― - ―
52-Week Range€53.00 - €74.00
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€223.19M
Enterprise Value€359.58
Total Cash (Recent Filing)€428.93M
Total Debt (Recent Filing)€103.25M
Price to Earnings (P/E)8.7
Beta0.68
Next Earnings
Oct 22, 2026EPS EstimateN/A
Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)8.71
Shares Outstanding3,254,362
10 Day Avg. Volume0
30 Day Avg. Volume0
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 CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
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
Bulls Say, Bears Say
Bulls Say
Consistent Revenue And ProfitabilitySustained revenue growth and mid-teens net margins indicate a durable core banking franchise. Stable profitability supports internal capital generation for lending and dividend funding, underpins reinvestment in technology and fee businesses, and reduces reliance on external financing over the medium term.
Improving Leverage And Capital BaseLower leverage and expanding equity give the bank greater resilience to credit shocks and regulatory strain. Improved capital ratios increase capacity for measured loan growth, support the dividend policy, and provide optionality for strategic investments or targeted M&A without compromising stability.
Capital-accretive Portfolio ActionsDivesting a non-core insurance stake and reallocating securities trades a one-time loss for higher recurring yields and a tangible-book boost. These moves are structural: they free capital from low-return holdings and incrementally raise net interest margin and EPS, improving sustainable earning power.
Bears Say
Weakened Cash GenerationA steep decline in free cash flow reduces internal funding for loan growth, dividends, and loan-loss buffering. Persistent cash-conversion weakness raises execution risk, could force reliance on wholesale funding or constrain strategic investments over the coming quarters.
Margin Compression Vs Prior CycleEarnings margins have compressed from prior-cycle peaks, reflecting a less favorable yield or earning mix. If margins remain muted, the bank's ability to generate surplus capital and improve returns will depend on sustained NIM improvement or higher fee income, limiting upside in the near term.
Moderate Return On EquityA normalized ROE near 11% suggests limited efficiency or scale advantages relative to peak performance. Without material margin expansion or faster, high-quality loan growth, ROE may constrain shareholder returns and the pace at which capital can be redeployed into higher-return opportunities.
C&F Financial News
CFF FAQ
What was C&F Financial Corp.’s price range in the past 12 months?
C&F Financial Corp. lowest stock price was €53.00 and its highest was €74.00 in the past 12 months.
What is C&F Financial Corp.’s market cap?
C&F Financial Corp.’s market cap is €223.19M.
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 85 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 €2.315 earnings per share for the quarter, beating the consensus estimate of N/A by €2.315.
Is C&F Financial Corp. overvalued?
According to Wall Street analysts C&F Financial Corp.’s price is currently Overvalued.
Does C&F Financial Corp. pay dividends?
C&F Financial Corp. does not currently pay dividends.
What is C&F Financial Corp.’s EPS estimate?
C&F Financial Corp.’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does C&F Financial Corp. have?
C&F Financial Corp. has 3,254,362 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 €2.315 in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went up 1.538%.
Which hedge fund is a major shareholder of C&F Financial Corp.?
Currently, no hedge funds are holding shares in DE:CFF
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
Underperform
1
2
3
4
5
6
7
8
9
10
Blogger Sentiment
Bullish
DE:CFF Sentiment 100%
Sector Average 59%
Sector Average 59%
Insider Transactions
Sold Shares
Worth $320.3K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
3.28%
12-Months-Change
Fundamentals
Return on Equity
2.57%
Trailing 12-Months
Asset Growth
7.70%
Trailing 12-Months
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.
Technical Analysis
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