CFF Stock Chart & Stats
€78.00
-€0.50(-0.76%)
At close: 4:00 PM EDT
€78.00
-€0.50(-0.76%)
Day’s Range― - ―
52-Week Range€56.50 - €96.50
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€318.27M
Enterprise Value€442.01M
Total Cash (Recent Filing)€500.03M
Total Debt (Recent Filing)€138.09M
Price to Earnings (P/E)11.8
Beta0.72
Next Earnings
Jan 27, 2027EPS Estimate
2.28Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)9.33
Shares Outstanding3,251,691
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 Target
€102.68Price Target Upside31.64% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)8.47
Revenue Forecast (FY)€142.75M
Bulls Say, Bears Say
Bulls Say
Revenue And ProfitabilityThe 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.
Balance Sheet StrengthModerate and improving leverage gives C&F greater financial flexibility than a more highly indebted regional bank. Growth in equity also strengthens the capital base, helping the company support lending activity and absorb normal credit-cycle pressure while maintaining steady shareholder returns.
Earnings Quality And Cash GenerationFree cash flow that broadly tracks net income provides evidence that reported profitability is translating into cash generation rather than relying solely on accounting gains. The latest rebound improves capacity to fund operations, support capital needs, and maintain shareholder distributions.
Bears Say
Normalized Returns Below PeakAlthough 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.
Cash-flow VolatilityThe wide variation in annual cash generation reduces the predictability of internally funded growth and distributions. Even with a favorable latest TTM rebound, uneven historical cash flow means management must continue balancing lending opportunities, capital requirements, and shareholder returns across changing conditions.
Credit And Rate-cycle ExposureC&F’s relationship-banking model and large asset base leave earnings exposed to changes in loan performance and interest-rate conditions. Adverse credit or margin cycles could pressure profitability and returns, making current results less durable than those of a business with less financial-cycle sensitivity.
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 €56.50 and its highest was €96.50 in the past 12 months.
What is C&F Financial Corp.’s market cap?
C&F Financial Corp.’s market cap is €318.27M.
When is C&F Financial Corp.’s upcoming earnings report date?
C&F Financial Corp.’s upcoming earnings report date is Jan 27, 2027 which is in 87 days.
How were C&F Financial Corp.’s earnings last quarter?
C&F Financial Corp. released its earnings results on Oct 26, 2026. The company reported €2.292 earnings per share for the quarter, beating the consensus estimate of €2.211 by €0.081.
Is C&F Financial Corp. overvalued?
According to Wall Street analysts C&F Financial Corp.’s price is currently Undervalued.
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 is 2.28.
How many shares outstanding does C&F Financial Corp. have?
C&F Financial Corp. has 3,251,691 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 €2.292 in its last earnings report, beating expectations of €2.211. Following the earnings report the stock price went up 1.058%.
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
Neutral
1
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3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
€102.68 (31.64% Upside)
€102.68 (31.64% Upside)
Blogger Sentiment
Neutral
DE:CFF Sentiment 50%
Sector Average 56%
Sector Average 56%
Insider Transactions
Sold Shares
Worth €359.7K 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
63.87%
12-Months-Change
Fundamentals
Return on Equity
11.28%
Trailing 12-Months
Asset Growth
3.68%
Trailing 12-Months
Learn more about TipRanks Smart Score
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.
CFF Stock 12 Month Forecast
Average Price Target
€102.68
▲(31.64% Upside)
Technical Analysis
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