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

Company Overview

C&F Financial Corp. is a bank holding company, which engages in the provision of banking services to individuals and businesses. It operates through the following segments: Community Banking, Mortgage Banking and Consumer Finance. The Community Banking segment provides checking and savings deposit accounts, business, real estate, development, mortgage, home equity, and installment loans. The Mortgage Banking segment offers ancillary mortgage loan origination services for loan settlement and residential appraisals. The Consumer Finance segment consists of automobile financing through lending programs that are designed to serve customers in the non-prime market who have limited access to traditional automobile financing. The company was founded on March 8, 1994 and is headquartered in Toano, VA.

Key Stats

• Today's Range: $80.23 to $84.48
• 50-Day Range: $67.49 to $86.70
• 52-Week Range: $33.51 to $89.90
• Volume: 10,114 shs
• Average Volume: 11,270 shs
• Market Capitalization: $254.69 million
• P/E Ratio: 13.13
• Dividend Yield: 2.23%
• Price Target: N/A
• Consensus Rating: N/A

C&F Financial Stock Analysis - MarketRank™

C&F Financial scored higher than 31% of companies evaluated by MarketBeat, and ranked 775th out of 932 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 13.35, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 23.35.

Price to Earnings Ratio vs. Sector

The P/E ratio of C&F Financial is 13.35, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 24.19.

Price to Book Value per Share Ratio

C&F Financial has a P/B Ratio of 1.24. 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

1.03% 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 2.7, 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 10.43%, 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 2.08%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

C&F Financial does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of C&F Financial is 29.19%. 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

1.03% 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 2.7, 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 10.43%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.2 / 5
• News Sentiment: 0.89

News Sentiment

C&F Financial has a news sentiment score of 0.89. 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 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 $487,075.00 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 $71.25 on January 1st, 2025. Since then, CFFI shares have increased by 12.6% and is now trading at $80.2450.
View the best growth stocks for 2025 here.

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

C&F Financial Co. (NASDAQ:CFFI) issued its earnings results on Tuesday, January, 28th. The financial services provider reported $1.87 earnings per share for the quarter. C&F Financial had a trailing twelve-month return on equity of 8.97% and a net margin of 11.67%.

Who are C&F Financial's major shareholders?

Top institutional shareholders of C&F Financial include Dimensional Fund Advisors LP (5.81%), The Manufacturers Life Insurance Company (3.33%), Renaissance Technologies LLC (2.65%) and Truffle Hound Capital LLC (2.32%). 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.

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 1/1 Dividend: 12/13/2024
• Dividend Payable: 1/01/2025
• Last Earnings: 1/28/2025
• Today: 2/21/2025
• Dividend Payable: 4/01/2025
• Next Earnings (Estimated): 4/17/2025
• Fiscal Year End: 12/31/2025
• Ex-Dividend for 4/1 Dividend: 1/01/2100

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: 610
• Year Founded: N/A

Profitability

• EPS (Most Recent Fiscal Year): $6.03
• Trailing P/E Ratio: 13.45
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: $19.92 million
• Net Margins: 11.67%
• Pretax Margin: 13.90%
• Return on Equity: 8.97%
• Return on Assets: 0.79%

Debt

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

Sales & Book Value

• Annual Sales: $170.13 million
• Price / Sales: 1.54
• Cash Flow: $8.15 per share
• Price / Cash Flow: 9.95
• Book Value: $64.57 per share
• Price / Book: 1.26

Miscellaneous

• Outstanding Shares: 3,230,000
• Free Float: 3,030,000
• Market Cap: $261.92 million
• Optionable: Not Optionable
• Beta: 0.38