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

Company Overview

C&F Financial Corporation is a bank holding company headquartered in West Point, Virginia. Founded in 1927, the company operates through its principal subsidiary, C&F Bank, which provides banking services to individuals, families, businesses and public-sector organizations.

C&F Bank offers a range of deposit products, residential and commercial real estate lending, consumer loans, business financing, treasury management and other traditional banking services. The company also provides mortgage banking services through C&F Mortgage Corporation and wealth management and trust services through C&F Wealth Management.

The company primarily serves communities in Virginia, with banking operations concentrated in the central and eastern parts of the state and the Northern Neck and Middle Peninsula regions. Through its banking, mortgage and wealth management businesses, C&F Financial provides financial services to consumers and businesses across its regional market.

Key Stats

• Today's Range: $92.62 to $93.96
• 50-Day Range: $77.03 to $96.26
• 52-Week Range: $64.71 to $97.07
• Volume: 29,533 shs
• Average Volume: 16,490 shs
• Market Capitalization: $303.50 million
• P/E Ratio: 10.41
• Dividend Yield: 2.06%
• Price Target: N/A
• Consensus Rating: Buy

C&F Financial Stock Analysis - MarketRank™

C&F Financial scored higher than 41% of companies evaluated by MarketBeat, and ranked 651st out of 835 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: 1.7 / 5
• Analyst Rating: Buy

Consensus Rating

C&F Financial has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on no strong buy ratings, 1 buy rating, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

C&F Financial has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of C&F Financial is 10.38, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 39.05.

Price to Earnings Ratio vs. Sector

The P/E ratio of C&F Financial is 10.38, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 25.24.

Price to Book Value per Share Ratio

C&F Financial has a P/B Ratio of 1.15. 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

1.26% 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 0.58, 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 13.49%, 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 2.06%, 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%.

News and Social Media

• Score: 2.5 / 5
• News Sentiment: N/A

News Sentiment

C&F Financial has a news sentiment score of 1.00. 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 is a higher news sentiment than the 0.64 average news sentiment score of Finance companies.

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

• Record date for 7/1 Dividend: 6/15/2026
• Ex-Dividend for 7/1 Dividend: 6/15/2026
• Dividend Payable: 7/01/2026
• Last Earnings: 7/23/2026
• Record date for 10/1 Dividend: 9/15/2026
• Ex-Dividend for 10/1 Dividend: 9/15/2026
• Today: 9/23/2026
• Dividend Payable: 10/01/2026
• 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

Profitability

• EPS (Trailing Twelve Months): $8.96
• Trailing P/E Ratio: 10.41
• Forward P/E Ratio: N/A
• 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: 1.63
• Cash Flow: $9.41 per share
• Price / Cash Flow: 9.92
• Book Value: $81.02 per share
• Price / Book: 1.15

Miscellaneous

• Outstanding Shares: 3,250,000
• Free Float: 3,044,000
• Market Cap: $303.50 million
• Optionable: Not Optionable
• Beta: 0.33