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

Company Overview

C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. It operates through three segments: Community Banking, Mortgage Banking, and Consumer Finance. The Community Banking segment offers various banking services, including checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet and mobile banking, peer-to-peer payment capabilities, and debit cards, as well as safe deposit box rentals, notary public, electronic transfer, and other customary bank services. The Mortgage Banking segment provides various residential mortgage loans; originates conventional mortgage loans, mortgage loans insured by the Federal Housing Administration, and mortgage loans guaranteed by the United States Department of Agriculture and the Veterans Administration; and ancillary mortgage loan production services to third parties for residential appraisals, as well as various mortgage origination activities. The Consumer Finance segment provides automobile loans. It also offers brokerage and wealth management services, and insurance products and services, as well as title and settlement agency. C&F Financial Corporation was founded in 1927 and is headquartered in Toano, Virginia.

Key Stats

• Today's Range: $76.05 to $76.12
• 50-Day Range: $58.49 to $79.62
• 52-Week Range: $33.51 to $80.87
• Volume: 630 shs
• Average Volume: 12,552 shs
• Market Capitalization: $245.26 million
• P/E Ratio: 13.44
• Dividend Yield: 2.31%
• Price Target: N/A
• Consensus Rating: N/A

C&F Financial Stock Analysis - MarketRank™

C&F Financial scored higher than 65% of companies evaluated by MarketBeat, and ranked 490th out of 959 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: 1.3 / 5
• Proj. Earnings Growth: N/A

Price to Earnings Ratio vs. the Market

The P/E ratio of C&F Financial is 13.44, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 135.61.

Price to Earnings Ratio vs. Sector

The P/E ratio of C&F Financial is 13.44, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 49.01.

Price to Book Value per Share Ratio

C&F Financial has a P/B Ratio of 1.18. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.64% 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 2.3, 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 decreased by 15.42%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 3.3 / 5
• Dividend Strength: Strong

Dividend Yield

C&F Financial pays a meaningful dividend of 2.21%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

C&F Financial has been increasing its dividend for 12 years.

Dividend Coverage

The dividend payout ratio of C&F Financial is 31.10%. 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

0.64% 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 2.3, 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 decreased by 15.42%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: 0.92

News Sentiment

C&F Financial has a news sentiment score of 0.92. 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 0.74 average news sentiment score of Finance companies.

News Coverage This Week

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

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 $627,075.00 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 $68.19 on January 1st, 2024. Since then, CFFI shares have increased by 11.5% and is now trading at $76.05.
View the best growth stocks for 2024 here.

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

C&F Financial Co. (NASDAQ:CFFI) announced its quarterly earnings results on Tuesday, October, 29th. The financial services provider reported $1.65 earnings per share (EPS) for the quarter. The financial services provider earned $33.46 million during the quarter. C&F Financial had a net margin of 11.39% and a trailing twelve-month return on equity of 8.58%.

Who are C&F Financial's major shareholders?

C&F Financial's top institutional investors include The Manufacturers Life Insurance Company (3.32%), Empowered Funds LLC (0.41%), John G Ullman & Associates Inc. (0.31%) and Jane Street Group LLC (0.28%). Insiders that own company stock include Thomas F Cherry, Larry G Dillon, Paul C Robinson, Bryan Edwin Mckernon, Audrey Dale Holmes, James H Hudson III, Jason E Long, Charles Elis Olsson, S Dustin Crone, George R Sisson III and John A Seaman III.
View institutional ownership trends.

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.
Compare Top Brokerages Here.

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), AUO (AUOTY) and Triple Flag Precious Metals (TFPM).

Company Calendar

• Ex-Dividend for 10/1 Dividend: 9/13/2024
• Dividend Payable: 10/01/2024
• Last Earnings: 10/29/2024
• Ex-Dividend for 1/1 Dividend: 12/13/2024
• Today: 12/18/2024
• Fiscal Year End: 12/31/2024
• Dividend Payable: 1/01/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: State commercial banks
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:CFFI
• CUSIP: 12466Q10
• CIK: 913341
• Web: www.cffc.com
• Phone: (804) 843-2360
• Fax: 804-843-3017
• Employees: 594
• Year Founded: N/A

Profitability

• EPS (Most Recent Fiscal Year): $5.66
• Trailing P/E Ratio: 13.58
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $23.60 million
• Net Margins: 11.39%
• Pretax Margin: 13.90%
• Return on Equity: 8.58%
• Return on Assets: 0.76%

Debt

• Debt-to-Equity Ratio: 0.41
• Current Ratio: 0.90
• Quick Ratio: 0.88

Sales & Book Value

• Annual Sales: $126.55 million
• Price / Sales: 1.96
• Cash Flow: $8.39 per share
• Price / Cash Flow: 9.16
• Book Value: $64.57 per share
• Price / Book: 1.19

Miscellaneous

• Outstanding Shares: 3,225,000
• Free Float: 3,022,000
• Market Cap: $247.87 million
• Optionable: Not Optionable
• Beta: 0.38