C&F Financial (CFFI) Stock Price, News & Analysis

Company Overview

C&F Financial Corporation (NASDAQ:CFFI) is a Virginia-based bank holding company that provides a full range of banking and financial services through its wholly owned subsidiary, C&F Bank. Founded in 1927 and headquartered in Abingdon, Virginia, the company operates as a community-focused institution committed to supporting the economic growth and development of its regional markets. Its service philosophy centers on delivering personalized financial solutions to both individual and business clients throughout Southwest Virginia and North Carolina.

Over its nearly century-long history, C&F Financial has expanded its footprint through organic growth and strategic acquisitions, steadily broadening its branch network and product offerings. The company is led by President and Chief Executive Officer John M. Buford III, who brings decades of banking experience to its executive leadership. Under his guidance, C&F emphasizes prudent risk management, customer service excellence, and community engagement as cornerstones of its corporate strategy.

C&F Bank offers a diverse suite of products that includes consumer and commercial deposit accounts, mortgage and commercial lending solutions, treasury management services, and wealth management. Its lending portfolio features residential mortgages, small business loans, agricultural financing, and specialized commercial real estate lending. On the deposit side, the bank provides checking and savings accounts, money market accounts, and certificates of deposit tailored to the needs of both retail and institutional customers.

In addition to its traditional branch network, C&F Financial has invested in digital banking platforms that enable online and mobile account management, remote deposit capture, and secure electronic payments. The company also offers trust and investment advisory services through its wealth management division, assisting clients with retirement planning, asset management, and estate strategies. With a focus on serving rural and suburban communities, C&F Financial continues to blend local decision-making with the technology and resources of a larger financial institution.

Key Stats

• Today's Range: $65.85 to $67.00
• 50-Day Range: $58.77 to $69.20
• 52-Week Range: $44.04 to $89.90
• Volume: 10,628 shs
• Average Volume: 12,296 shs
• Market Capitalization: $210.11 million
• P/E Ratio: 9.71
• Dividend Yield: 2.84%
• Price Target: N/A
• Consensus Rating: N/A

C&F Financial Stock Analysis - MarketRank™

C&F Financial scored higher than 29% of companies evaluated by MarketBeat, and ranked 790th out of 906 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for C&F Financial.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of C&F Financial is 9.99, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.85.

Price to Earnings Ratio vs. Sector

The P/E ratio of C&F Financial is 9.99, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.07.

Price to Book Value per Share Ratio

C&F Financial has a P/B Ratio of 0.95. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.90% of the float of C&F Financial has been sold short.

Short Interest Ratio / Days to Cover

C&F Financial has a short interest ratio ("days to cover") of 2.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in C&F Financial has recently increased by 11.89%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

C&F Financial pays a meaningful dividend of 2.78%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

C&F Financial has only been increasing its dividend for 1 years.

Dividend Coverage

The dividend payout ratio of C&F Financial is 27.54%. This payout ratio is at a healthy, sustainable level, below 75%.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.90% of the float of C&F Financial has been sold short.

Short Interest Ratio / Days to Cover

C&F Financial has a short interest ratio ("days to cover") of 2.6, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in C&F Financial has recently increased by 11.89%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 0.6 / 5
• News Sentiment: 0.00

News Coverage This Week

MarketBeat has tracked 2 news articles for C&F Financial this week, compared to 1 article on an average week.

Search Interest

1 people have searched for CFFI on MarketBeat in the last 30 days.

Company Ownership

• Score: 0.8 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, C&F Financial insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $33,273.00 in company stock.

Percentage Held by Insiders

Only 6.30% of the stock of C&F Financial is held by insiders.

Percentage Held by Institutions

Only 37.23% of the stock of C&F Financial is held by institutions.

CFFI Stock Analysis - Frequently Asked Questions

How have CFFI shares performed this year?

C&F Financial's stock was trading at $71.25 at the beginning of 2025. Since then, CFFI shares have decreased by 6.4% and is now trading at $66.72.

How were C&F Financial's earnings last quarter?

C&F Financial Corporation (NASDAQ:CFFI) released its quarterly earnings results on Thursday, April, 24th. The financial services provider reported $1.66 earnings per share for the quarter. The financial services provider earned $32.58 million during the quarter. C&F Financial had a net margin of 12.56% and a trailing twelve-month return on equity of 9.59%.

How do I buy shares of C&F Financial?

Shares of CFFI stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of C&F Financial own?

Based on aggregate information from My MarketBeat watchlists, some other companies that C&F Financial investors own include The RMR Group (RMR), Waste Connections (WCN), American Water Works (AWK), iShares Micro-Cap ETF (IWC), DiamondRock Hospitality (DRH), AU Optronics (AUOTY) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Last Earnings: 4/24/2025
• Record date for 7/1 Dividend: 6/13/2025
• Ex-Dividend for 7/1 Dividend: 6/13/2025
• Dividend Payable: 7/01/2025
• Today: 7/11/2025
• Next Earnings (Estimated): 7/23/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - SOUTHEAST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:CFFI
• CIK: 913341
• Web: www.cffc.com
• Phone: (804) 843-2360
• Fax: 804-843-3017
• Employees: 610
• Year Founded: N/A

Profitability

• EPS (Trailing Twelve Months): $6.68
• Trailing P/E Ratio: 9.99
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $19.83 million
• Net Margins: 12.56%
• Pretax Margin: 15.36%
• Return on Equity: 9.59%
• Return on Assets: 0.85%

Debt

• Debt-to-Equity Ratio: 0.36
• Current Ratio: 0.89
• Quick Ratio: 0.88

Sales & Book Value

• Annual Sales: $170.13 million
• Price / Sales: 1.27
• Cash Flow: $7.60 per share
• Price / Cash Flow: 8.78
• Book Value: $70.18 per share
• Price / Book: 0.95

Miscellaneous

• Outstanding Shares: 3,240,000
• Free Float: 3,036,000
• Market Cap: $216.17 million
• Optionable: Not Optionable
• Beta: 0.44