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CFFIC&F Financial Corporation
$91.39$297M
Overview & Tools
OverviewChart Terminal ↗Visualize
Valuation & Forecasts
Valuation ModelsEstimatesDCF Model
Price & Analyst Data
Analyst TargetsPrice History
Financial Statements
Income StatementBalance SheetCash FlowRatios & Margins
Performance
P/E HistoryRevenue HistoryEarnings HistoryDividend HistoryTotal Return
Discovery & Screens
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CFFI logo

C&F Financial Corporation

CFFI
NASDAQ · Regional Banks
$91.39
At close - Sep 23, 4:00 PM EDT - USD
Market Cap$297M
P/E11.0x
52W High$97.07
Volume43.2K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q1

Consistent Interest Income Growth Offsets Operational Volatility

C&F Financial Corporation demonstrates a disciplined growth trajectory, evidenced by net interest income expanding from $23.2 million in 2024Q1 to $27.7 million by 2026Q1. While the bank maintains a conservative capital structure with a stable 0.09 equity-to-a...

GrowthAccelerating
ProfitabilityModerate
ValuationAttractive
TechnicalsHealthy
Explore valuation models
MARKET ACTION

CFFI price & volume

Price trend, volume and key moving averages

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Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

0/12 Beats

EPS beat 0 of last 12 quarters

02

Valuation risk

-24% Peers

P/E is 24% below peer median

03

Market leadership

RS 85 · Leader

High momentum (Outperforming 85% of market)

04

Healthy Uptrend

Uptrend

Price > 50DMA > 200DMA

Next CatalystEstimated earnings · Oct 23

Market performance

Price History →

Trailing total returns as of 9/24/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
CFFI+31.30%
S&P 500 (^GSPC)+12.39%
1-Year Return
CFFI+35.03%
S&P 500 (^GSPC)+15.77%
3-Year Return
CFFI+77.09%
S&P 500 (^GSPC)+73.69%
5-Year Return
CFFI+93.68%
S&P 500 (^GSPC)+69.17%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
11.0x
Forward P/EExpansion
8.9x
EV/EBITDA80th %ile
9.1x
FCF YieldCash Flow
7.5%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
11.0x
8.8x
80th· High
EV/EBITDA
9.1x
7.4x
80th· High
Price/FCF
13.4x
6.2x
100th· High
Current Multiple
5Y Median (50th %ile)

Intrinsic Value Scenarios

DCF Projection
No DCF Model AvailableIntrinsic value modeling is not supported for this equity.

Growth & profitability

Annual revenue & EPS trend
Revenue
$141M+13.9% YoY
Net income
$27M+35.3% YoY
Free cash flow
$22M-36.7% YoY
Operating margin
23.5%+4.0 pts YoY
ROIC (TTM)6.8%
Avg ROIC 5Y-
ROE (TTM)11%
Piotroski Score8 / 9
Financial Statements →
03

Monitor what changed

Recent results and news deserve attention only when they alter the forward view.

OPERATING RESULTS

Recent Earnings

Earnings History
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q3 2026Latest
Jul 23, 2026
$2.63
vs —
$50M
vs —
Q2 2026
Apr 23, 2026
$2.08
vs —
$48M
vs —
Q1 2026
Jan 27, 2026
$2.07
vs —
$48M
vs —
Q4 2025
Oct 23, 2025
$2.18
vs —
$47M
vs —
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

5 Stories
GlobeNewsWire·Aug 19, 2026
C&F Financial Corporation Announces Quarterly Dividend

TOANO, Va., Aug. 19, 2026 (GLOBE NEWSWIRE) -- The Board of Directors of C&F Financial Corporation (NASDAQ:CFFI) (the Corporation) has declared a regular cash dividend of 48 cents per share, which is payable October 1, 2026 to shareholders of record on September 15, 2026.

Zacks Investment Research·Jul 24, 2026
CFFI Q2 Earnings Rise Y/Y on Loan Growth & Margin Gains

C&F Financial's Q2 earnings improve y/y on strong loan growth, margin expansion and mortgage banking gains, while strategic initiatives supported growth.

GlobeNewsWire·Jul 23, 2026
C&F Financial Corporation Announces Net Income for Second Quarter and First Six Months

TOANO, Va., July 23, 2026 (GLOBE NEWSWIRE) -- C&F Financial Corporation (the Corporation) (NASDAQ: CFFI), the holding company for C&F Bank, today reported consolidated net income of $8.6 million for the second quarter of 2026, an increase of 11.1 percent, compared to $7.8 million for the second quarter of 2025. The Corporation reported consolidated net income of $15.4 million for the first six months of 2026, an increase of 17.2 percent, compared to $13.2 million for the first six months of 2025.

GlobeNewsWire·Jul 22, 2026
C&F Announces Expansion into Lynchburg Market

TOANO, Va., July 22, 2026 (GLOBE NEWSWIRE) -- C&F Financial Corporation (the Corporation) (NASDAQ: CFFI), the holding company for C&F Bank, is pleased to announce its expansion into the Lynchburg market and welcomes Ryan White as its new Market Executive. This addition underscores C&F's commitment to providing outstanding service and building strong relationships with businesses and communities throughout the Commonwealth.

Filtered for C&F Financial CorporationMore Headlines
04

Compare before deciding

Benchmark CFFI against direct peers instead of judging its metrics in isolation.

Peers Comparison

Key metrics vs top competitors for C&F Financial Corporation (CFFI)

Full Screener →
CompanyPriceMarket CapP/E RatioRev Growth (1Y)Net MarginROEDiv Yield
CFFI logoCFFIC&F Financial CorporationCurrent
$91.39$297.42M11.0213.86%19.05%10.97%2.01%
NKSH logoNKSHNational Bankshares, Inc.
$41.49$264.23M16.6622.5%44.94%10.92%—
CZWI logoCZWICitizens Community Bancorp, Inc.
$21.23$204.74M14.54-9.39%14.64%6.77%—
MNSB logoMNSBMainStreet Bancshares, Inc.
$24.80$176.51M14.0912.18%13.25%8%—
FXNC logoFXNCFirst National Corporation
$29.40$265.8M15.0033.46%18.47%11.57%—
LKFN logoLKFNLakeland Financial Corporation
$58.36$1.45B14.556.1%26.04%14.67%—

Compare CFFI vs Peers

C&F Financial Corporation (CFFI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs NKSH

Most directly comparable listed peer for CFFI.

Scale Benchmark

vs COF

Larger-name benchmark to compare CFFI against a more recognizable public peer.

Peer Set

Compare Top 5

vs NKSH, CZWI, MNSB, FXNC

05

Keep researching

Verify the primary filings, follow material updates, and answer the remaining questions.

CFFI SEC Filings & Documents

C&F Financial Corporation (CFFI) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Aug 19, 2026·SEC

Material company update

Jul 23, 2026·SEC

Material company update

Jul 23, 2026·SEC

10-K Annual Reports

3
FY 2026

Mar 3, 2026·SEC

FY 2025

Feb 27, 2025·SEC

FY 2024

Feb 27, 2024·SEC

10-Q Quarterly Reports

6
FY 2026

Aug 10, 2026·SEC

FY 2026

May 11, 2026·SEC

FY 2025

Nov 4, 2025·SEC

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CFFI Frequently Asked Questions

C&F Financial Corporation (CFFI) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials
How fast is C&F Financial Corporation growing?

C&F Financial Corporation (CFFI) grew revenue by 13.9% over the past year. This is steady growth.

Is CFFI profitable?

Yes, C&F Financial Corporation (CFFI) is profitable, generating $29.1M in net income for fiscal year 2025 (19.1% net margin).

Dividend & Returns
Does CFFI pay dividends?

Yes, C&F Financial Corporation (CFFI) pays a dividend with a yield of 2.01%. This makes it attractive for income-focused investors.

What is CFFI's return on equity?

C&F Financial Corporation (CFFI) has a return on equity (ROE) of 11.0%. This is reasonable for most industries.

Industry Metrics
What is C&F Financial Corporation's net interest margin?

C&F Financial Corporation (CFFI) has a net interest margin (NIM) of 3.8%. This indicates healthy earnings from lending activities.

What is C&F Financial Corporation's efficiency ratio?

C&F Financial Corporation (CFFI) has an efficiency ratio of 68.3%. This is higher than peers, suggesting room for cost optimization.

What if you invested $1,000 in CFFI back in 1996?

Total return calculator · dividends reinvested · 30+ years of data

See returns →