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

Company Overview

C&F Financial Corporation is the bank holding company for C&F Bank, a community‐focused financial institution headquartered in Stephens City, Virginia. Founded in 1921, the company has grown from a single local bank into a regional franchise serving both retail and commercial clients. While the holding company trades on the Nasdaq under the ticker CFFI, its principal activities remain centered on traditional banking services designed to foster long-term relationships within its communities.

C&F Bank offers a full suite of deposit and lending products, including checking and savings accounts, money market accounts, certificates of deposit, and consumer and commercial loan facilities. The company also provides mortgage lending, home equity lines of credit, and small business administration (SBA) financing. Complementing its core banking operations, C&F Financial delivers wealth management and trust services, retirement planning, and treasury management solutions, catering to both individual investors and institutional clients.

With a branch network spanning Virginia and select markets in West Virginia, C&F Financial emphasizes personalized service and local decision-making. The company leverages online and mobile banking platforms to extend its offerings beyond physical branches, while maintaining a focus on community reinvestment and customer loyalty. By combining the resources of a publicly traded holding company with the responsiveness of a community bank, C&F Financial aims to support regional economic growth and meet evolving client needs.

Key Stats

• Today's Range: $72.11 to $75.50
• 50-Day Range: $70.38 to $78.80
• 52-Week Range: $57.09 to $80.99
• Volume: 6,787 shs
• Average Volume: 4,296 shs
• Market Capitalization: $243.43 million
• P/E Ratio: 8.61
• Dividend Yield: 2.56%
• Price Target: N/A
• Consensus Rating: Hold

C&F Financial Stock Analysis - MarketRank™

C&F Financial scored higher than 41% of companies evaluated by MarketBeat, and ranked 723rd out of 883 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: 1.2 / 5
• Analyst Rating: Hold

Consensus Rating

C&F Financial has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, no buy ratings, 1 hold rating, 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: 1.9 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of C&F Financial is 8.63, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 38.60.

Price to Earnings Ratio vs. Sector

The P/E ratio of C&F Financial is 8.63, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 19.92.

Price to Book Value per Share Ratio

C&F Financial has a P/B Ratio of 0.92. P/B Ratios below 1 indicate that a company could be undervalued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.97% 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 7.62.

Change versus previous month

Short interest in C&F Financial has recently decreased by 16.08%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 1.7 / 5
• Dividend Strength: Weak

Dividend Yield

C&F Financial pays a meaningful dividend of 2.73%, 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 22.07%. This payout ratio is at a healthy, sustainable level, below 75%.

News and Social Media

• Score: 1.8 / 5
• News Sentiment: N/A

News Sentiment

C&F Financial has a news sentiment score of 0.90. 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.

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 $112,325.00 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 4/1 Dividend: 3/13/2026
• Ex-Dividend for 4/1 Dividend: 3/13/2026
• Dividend Payable: 4/01/2026
• Last Earnings: 4/23/2026
• Today: 6/05/2026
• Record date for 7/1 Dividend: 6/15/2026
• Ex-Dividend for 7/1 Dividend: 6/15/2026
• Dividend Payable: 7/01/2026
• Next Earnings (Estimated): 7/23/2026
• Fiscal Year End: 12/31/2026

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: 1927

Profitability

• EPS (Trailing Twelve Months): $8.70
• Trailing P/E Ratio: 8.61
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $26.83 million
• Net Margins: 14.84%
• Pretax Margin: 18.34%
• Return on Equity: 11.03%
• Return on Assets: 1.03%

Debt

• Debt-to-Equity Ratio: 0.31
• Current Ratio: 0.90
• Quick Ratio: 0.88

Sales & Book Value

• Annual Sales: $186.13 million
• Price / Sales: 1.31
• Cash Flow: $9.99 per share
• Price / Cash Flow: 7.50
• Book Value: $81.02 per share
• Price / Book: 0.92

Miscellaneous

• Outstanding Shares: 3,250,000
• Free Float: 3,046,000
• Market Cap: $243.43 million
• Optionable: Not Optionable
• Beta: 0.34