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

Company Overview

C&F Financial Corporation is a bank holding company headquartered in West Point, Virginia. Its principal subsidiary, C&F Bank, is a community banking institution that provides deposit accounts, residential and commercial real estate lending, business loans, consumer loans, and other traditional banking services to individuals, businesses, and organizations.

Through affiliated businesses, C&F Financial also offers mortgage banking, wealth management, and indirect automobile financing. C&F Mortgage Corporation originates residential mortgage loans, while C&F Wealth Management provides investment management, trust, and financial planning services. C&F Finance Company supports consumer lending, including automobile finance products.

Founded in 1927, C&F Financial serves communities primarily in eastern and central Virginia through a network of banking offices and related operations. The company focuses on relationship-based banking for consumers and small to midsized businesses, combining local branch services with mortgage, investment, and lending capabilities.

Key Stats

• Today's Range: $96.98 to $100.00
• 50-Day Range: $82.59 to $99.46
• 52-Week Range: $64.71 to $100.10
• Volume: 81,028 shs
• Average Volume: 71,218 shs
• Market Capitalization: $323.25 million
• P/E Ratio: 11.10
• Dividend Yield: 1.93%
• Price Target: $115.00
• Consensus Rating: Moderate Buy

C&F Financial Stock Analysis - MarketRank™

C&F Financial scored higher than 81% of companies evaluated by MarketBeat, and ranked 264th out of 839 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: 3.2 / 5
• Analyst Rating: Moderate Buy

Consensus Rating

C&F Financial has received a consensus rating of Moderate Buy. The company's average rating score is 2.67, and is based on no strong buy ratings, 2 buy ratings, 1 hold rating, and no sell ratings.

Upside Potential

C&F Financial has a consensus price target of $115.00, representing about 15.6% upside from its current price of $99.46.

Amount of Analyst Coverage

C&F Financial has only been the subject of 3 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 6.05%

Earnings Growth

Earnings for C&F Financial are expected to grow by 6.05% in the coming year, from $9.42 to $9.99 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of C&F Financial is 11.10, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 44.66.

Price to Earnings Ratio vs. Sector

The P/E ratio of C&F Financial is 11.10, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.43.

Price to Book Value per Share Ratio

C&F Financial has a P/B Ratio of 1.23. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

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

Percentage of Shares Shorted

1.65% 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 0.67, 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 30.42%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

C&F Financial pays a meaningful dividend of 1.95%, 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 21.43%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, C&F Financial will have a dividend payout ratio of 19.22% next year. This indicates that C&F Financial will be able to sustain or increase its dividend.

News and Social Media

• Score: 2.9 / 5
• News Sentiment: 0.66

News Sentiment

C&F Financial has a news sentiment score of 0.66. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 6 news articles for C&F Financial this week, compared to 2 articles on an average week.

Search Interest

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

Company Ownership

• Score: 1.4 / 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 $401,116.00 in company stock.

Percentage Held by Insiders

6.40% of the stock of C&F Financial is held by insiders.

Percentage Held by Institutions

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

Company Calendar

• Last Earnings: 7/23/2026
• Record date for 10/1 Dividend: 9/15/2026
• Ex-Dividend for 10/1 Dividend: 9/15/2026
• Dividend Payable: 10/01/2026
• Today: 10/06/2026
• Next Earnings (Estimated): 10/22/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: Banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:CFFI
• CIK: 913341
• Web: www.cffc.com
• Phone: (804) 843-2360
• Fax: 804-843-3017
• Employees: 575
• Year Founded: 1927

Price Target and Rating

• Average Price Target for C&F Financial: $115.00
• High Price Target: $115.00
• Low Price Target: $115.00
• Potential Upside/Downside: +15.6%
• Consensus Rating: Moderate Buy
• Rating Score (0-4): 2.67
• Research Coverage: 3 Analysts

Profitability

• EPS (Trailing Twelve Months): $8.96
• Trailing P/E Ratio: 11.10
• Forward P/E Ratio: 10.56
• P/E Growth: N/A
• Net Income: $26.83 million
• Net Margins: 14.91%
• Pretax Margin: 18.52%
• Return on Equity: 10.72%
• Return on Assets: 1.02%

Debt

• Debt-to-Equity Ratio: 0.42
• Current Ratio: 0.92
• Quick Ratio: 0.91

Sales & Book Value

• Annual Sales: $186.13 million
• Price / Sales: 1.74
• Cash Flow: $9.49 per share
• Price / Cash Flow: 10.48
• Book Value: $81.02 per share
• Price / Book: 1.23

Miscellaneous

• Outstanding Shares: 3,250,000
• Free Float: 3,044,000
• Market Cap: $323.25 million
• Optionable: Not Optionable
• Beta: 0.32