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CFFIC&F Financial Corporation
$105.12$342M
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
$105.12
At close - Nov 6, 4:00 PM EST - USD
Market Cap$342M
P/E11.3x
52W High$115.40
Volume49.98K
OverviewTerminalAnalysisFinancialsValuationEarningsBreakoutsOwnership
VCP Research Verdict2026Q3

Rebounding Earnings Power Tempered by Thin Margins

CFFI's net interest income has recovered roughly 27% from $23.8M in 2024Q2 to $30.2M in 2026Q3, and diluted EPS growth of 16.4% in the latest quarter suggests the earnings trajectory is improving.

GrowthMixed
ProfitabilityModerate
ValuationAttractive
TechnicalsHealthy
Explore valuation models
MARKET ACTION

CFFI price & volume

Price trend, volume and key moving averages

Launch Terminal
Loading chart...
Decision Checklist4 Core Signals

What matters now

The signals most likely to change the investment case.

01

Earnings momentum

1/12 Beats

EPS beat 1 of last 12 quarters

02

Valuation risk

-6% Peers

P/E is 6% below peer median

03

Market leadership

RS 91 · Leader

High momentum (Outperforming 91% of market)

04

Healthy Uptrend

Uptrend

Price > 50DMA > 200DMA

Next CatalystEstimated earnings · Jan 26

Market performance

Price History →

Trailing total returns as of 11/8/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC).

YTD Return
CFFI+50.72%
S&P 500 (^GSPC)+7.63%
1-Year Return
CFFI+54.59%
S&P 500 (^GSPC)+9.69%
3-Year Return
CFFI+103.42%
S&P 500 (^GSPC)+63.62%
5-Year Return
CFFI+118.40%
S&P 500 (^GSPC)+52.16%
02

Test the fundamentals

Check whether operating performance supports the current valuation.

VALUATION & INTRINSIC VALUE

Valuation Scenarios

Valuation Analysis
Trailing P/E5Y High
11.3x
Forward P/EExpansion
11.0x
EV/EBITDA40th %ile
7.3x
FCF YieldCash Flow
14.1%

Valuation vs 5-Year History

Multiple Range
Metric
Current
5Y Median
Historical Range
Percentile
P/E
11.3x
8.8x
80th· High
EV/EBITDA
7.3x
7.4x
40th· Fair
Price/FCF
7.1x
6.2x
80th· 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 FY25
$141M+13.9% YoY
Net income FY25
$27M+35.3% YoY
Free cash flow FY25
$22M-36.7% YoY
Operating margin FY25
23.5%+4.0 pts YoY
ROIC (FY25)6.8%
Avg ROIC 5Y7.7%
ROE (TTM)11.3%
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
EPS Beat Rate1/12 (100%)
Revenue Beat Rate0/12 (0%)
QuarterEPS (Act vs Est)Revenue (Act vs Est)
Q4 2026Latest
Oct 26, 2026
$2.55+3.7%
vs $2.46
$38M-5.7%
vs $41M
Q3 2026
Jul 23, 2026
$2.40
vs —
$40M
vs —
Q2 2026
Apr 23, 2026
$2.08
vs —
$48M
vs —
Q1 2026
Jan 27, 2026
$2.07
vs —
$48M
vs —
Historical baseline: 12 quarters analyzedGAAP / Adjusted
MARKET COVERAGE

Latest News

4 Stories
GlobeNewsWire·Oct 26, 2026
C&F Financial Corporation Announces Net Income for Third Quarter and First Nine Months of 2026

TOANO, Va., Oct. 26, 2026 (GLOBE NEWSWIRE) -- C&F Financial Corporation (the Corporation) (NASDAQ: CFFI), the holding company for C&F Bank, today reported consolidated net income of $8.3 million for the third quarter of 2026, an increase of 16.1 percent, compared to $7.1 million for the third quarter of 2025. The Corporation reported consolidated net income of $23.7 million for the first nine months of 2026, an increase of 16.8 percent, compared to $20.3 million for the first nine months of 2025.

Defense World·Oct 23, 2026
C&F Financial (NASDAQ:CFFI) Stock Price Breaks Above Two Hundred Day Moving Average – What’s Next?

C&F Financial Corporation (NASDAQ: CFFI - Get Free Report)'s stock price passed above its two hundred day moving average during trading on Thursday. The stock has a two hundred day moving average of $84.07 and traded as high as $108.50. C&F Financial shares last traded at $108.23, with a volume of 35,269 shares trading hands. Wall

The Motley Fool·Oct 15, 2026
C&F Financial's 2026 Outlook: Aggressive Market Expansion Drives New Retail Growth

C&F Financial shows strong momentum in community banking and mortgage loan originations. Expanding into new Virginia markets provides a clear runway for future organic revenue growth.

Defense World·Oct 5, 2026
C&F Financial (NASDAQ:CFFI) vs. Winchester Bancorp (NASDAQ:WSBK) Financial Survey

C&F Financial (NASDAQ: CFFI - Get Free Report) and Winchester Bancorp (NASDAQ: WSBK - Get Free Report) are both small-cap finance companies, but which is the superior investment? We will compare the two businesses based on the strength of their risk, earnings, profitability, dividends, analyst recommendations, valuation and institutional ownership. Analyst Recommendations This is a summary of

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
$105.12$342.1M11.2913.86%20.31%11.26%1.75%
NKSH logoNKSHNational Bankshares, Inc.
$39.19$249.58M11.6722.5%45%11.54%3.85%
CZWI logoCZWICitizens Community Bancorp, Inc.
$23.38$225.48M16.12-9.39%28.36%7.64%1.59%
MNSB logoMNSBMainStreet Bancshares, Inc.
$22.11$157.37M9.5812.18%22.04%7.61%1.8%
FXNC logoFXNCFirst National Corporation
$30.42$275.03M12.0033.46%24.12%12.06%2.01%
LKFN logoLKFNLakeland Financial Corporation
$61.15$1.52B13.586.1%40.12%15.07%3.26%

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

Nov 5, 2026·SEC

Material company update

Oct 26, 2026·SEC

Material company update

Aug 19, 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

Nov 5, 2026·SEC

FY 2026

Aug 10, 2026·SEC

FY 2026

May 11, 2026·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 11.5% over the trailing twelve months, compared with the twelve months before.

Is CFFI profitable?

Yes. C&F Financial Corporation (CFFI) earned $30.3M in net income over the trailing twelve months (a 20.3% net margin).

Dividend & Returns
Does CFFI pay dividends?

Yes. C&F Financial Corporation (CFFI) pays a dividend that yields 1.75% at the current price, a moderate yield.

What is CFFI's return on equity?

C&F Financial Corporation (CFFI) had a return on equity (ROE) of 11.3% over the trailing twelve months. That is in line with the market's typical 10-15%.

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 →