CFFI Stock Overview

Operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. More details

CFFI fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	4/6
Financial Health	6/6
Dividends	4/6

Rewards

Trading at 46% below our estimate of its fair value

Earnings grew by 6% over the past year

Pays a reliable dividend of 2.73%

Risk Analysis

Earnings have declined by 0.3% per year over past 5 years

Significant insider selling over the past 3 months

Community vs My Fair Value

Create Narrative

Select a narrative for quick price alerts from the community, or create your own.

C&F Financial Corporation Competitors

Evans Bancorp

NYSEAM:EVBN

US$216.9m

Chemung Financial

NasdaqGS:CHMG

US$217.7m

Princeton Bancorp

NasdaqGS:BPRN

US$215.3m

Morris State Bancshares

OTCPK:MBLU

US$219.4m

Price History & Performance

Summary of share price highs, lows and changes for C&F Financial
Historical stock prices
Current Share Price	US$67.43
52 Week High	US$89.90
52 Week Low	US$40.99
Beta	0.48
1 Month Change	18.17%
3 Month Change	-19.48%
1 Year Change	60.62%
3 Year Change	32.22%
5 Year Change	106.78%
Change since IPO	461.92%

Recent updates

C&F Financial's (NASDAQ:CFFI) Shareholders Will Receive A Bigger Dividend Than Last Year

Sep 04

C&F Financial's (NASDAQ:CFFI) Dividend Will Be Increased To $0.42

Aug 21

C&F Financial raises dividend by 5% to $0.42

Aug 17

C&F Financial GAAP EPS of $1.91, revenue of $28.29M

Jul 21

C&F Financial (NASDAQ:CFFI) Is Due To Pay A Dividend Of US$0.40

Jun 10

C&F Financial (NASDAQ:CFFI) Will Pay A Dividend Of US$0.40

May 27

Shareholder Returns

	CFFI	US Banks	US Market
7D	0.2%	3.2%	1.3%
1Y	60.6%	16.0%	8.2%

Return vs Industry: CFFI exceeded the US Banks industry which returned 14.7% over the past year.

Return vs Market: CFFI exceeded the US Market which returned 7.7% over the past year.

Price Volatility

Is CFFI's price volatile compared to industry and market?
CFFI volatility
CFFI Average Weekly Movement	7.9%
Banks Industry Average Movement	4.7%
Market Average Movement	7.9%
10% most volatile stocks in US Market	16.4%
10% least volatile stocks in US Market	4.1%

Stable Share Price: CFFI has not had significant price volatility in the past 3 months compared to the US market.

Volatility Over Time: CFFI's weekly volatility (8%) has been stable over the past year.

About the Company

Founded	Employees	CEO	Website
1927	545	Tom Cherry	www.cffc.com

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.

C&F Financial Corporation Fundamentals Summary

How do C&F Financial's earnings and revenue compare to its market cap?
CFFI fundamental statistics
Market cap	US$206.48m
Earnings (TTM)	US$21.79m
Revenue (TTM)	US$116.42m

10.0x

P/E Ratio

0.9x

P/B Ratio

Is CFFI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
CFFI income statement (TTM)
Revenue	US$116.42m
Cost of Revenue	US$0
Gross Profit	US$116.42m
Other Expenses	US$94.63m
Earnings	US$21.79m

Last Reported Earnings

Mar 31, 2025

Next Earnings Date

n/a

Earnings per share (EPS)	6.74
Gross Margin	100.00%
Net Profit Margin	18.72%
Debt/Equity Ratio	50.8%

How did CFFI perform over the long term?

See historical performance and comparison

Dividends

2.7%

Current Dividend Yield

27%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/05/08 14:17
End of Day Share Price	2025/05/08 00:00
Earnings	2025/03/31
Annual Earnings	2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

C&F Financial Corporation is covered by 1 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Allan Bach	Davenport & Company

CFFI Stock Overview

Rewards

Risk Analysis

C&F Financial Corporation Competitors

NYSEAM:EVBN

US$216.9m

NasdaqGS:CHMG

US$217.7m

NasdaqGS:BPRN

US$215.3m

OTCPK:MBLU

US$219.4m

Price History & Performance

Recent News & Updates

First quarter 2025 earnings released: EPS: US$1.67 (vs US$1.01 in 1Q 2024)

Investor sentiment deteriorates as stock falls 16%

Upcoming dividend of US$0.46 per share

Investor sentiment deteriorates as stock falls 17%

C&F Financial Corporation, Annual General Meeting, Apr 15, 2025

President & CEO C&F Mortgage recently sold US$84k worth of stock

Recent updates

First quarter 2025 earnings released: EPS: US$1.67 (vs US$1.01 in 1Q 2024)

Investor sentiment deteriorates as stock falls 16%

Upcoming dividend of US$0.46 per share

Investor sentiment deteriorates as stock falls 17%

C&F Financial Corporation, Annual General Meeting, Apr 15, 2025

President & CEO C&F Mortgage recently sold US$84k worth of stock

Full year 2024 earnings released: EPS: US$6.01 (vs US$6.92 in FY 2023)

C&F Financial (NASDAQ:CFFI) Is Increasing Its Dividend To $0.46

Fourth quarter dividend increased to US$0.46

Investor sentiment improves as stock rises 15%

Full year 2024 earnings released: EPS: US$6.16 (vs US$6.92 in FY 2023)

Upcoming dividend of US$0.44 per share

Insider notifies of intention to sell stock

Insider recently sold US$185k worth of stock

C&F Financial's (NASDAQ:CFFI) Dividend Will Be $0.44

Third quarter dividend of US$0.44 announced

C&F Financial Corporation Announces Quarterly Dividend, Payable on Payable January 1, 2025

President recently sold US$140k worth of stock

Third quarter 2024 earnings released: EPS: US$1.65 (vs US$1.71 in 3Q 2023)

Upcoming dividend of US$0.44 per share

Second quarter dividend of US$0.44 announced

C&F Financial Corporation Announces Quarterly Dividend, Payable on October 1, 2024

Second quarter 2024 earnings released: EPS: US$1.50 (vs US$1.84 in 2Q 2023)

Investor sentiment deteriorates as stock falls 16%

C&F Financial Corporation(NasdaqGS:CFFI) dropped from Russell Small Cap Completeness Index

Upcoming dividend of US$0.44 per share

C&F Financial's (NASDAQ:CFFI) Dividend Will Be $0.44

First quarter dividend of US$0.44 announced

C&F Financial Corporation Announces Quarterly Dividend, Payable on July 1, 2024

First quarter 2024 earnings released: EPS: US$1.02 (vs US$1.86 in 1Q 2023)

Investor sentiment deteriorates as stock falls 16%

C&F Financial Corporation, Annual General Meeting, Apr 16, 2024

Upcoming dividend of US$0.44 per share

New minor risk - Insider selling

C&F Financial (NASDAQ:CFFI) Is Due To Pay A Dividend Of $0.44

Full year 2023 earnings released: EPS: US$6.92 (vs US$8.29 in FY 2022)

Fourth quarter dividend of US$0.44 announced

C&F Financial Corporation Announces Quarterly Dividend, Payable on April 1, 2024

Full year 2023 earnings released: EPS: US$7.03 (vs US$8.29 in FY 2022)

C&F Financial Corporation (NasdaqGS:CFFI) announces an Equity Buyback for $10 million worth of its shares.

Upcoming dividend of US$0.44 per share at 2.9% yield

C&F Financial Corporation Declares Quarterly Cash Dividend, Payable on January 1, 2024

Third quarter 2023 earnings released: EPS: US$1.70 (vs US$1.85 in 3Q 2022)

Insufficient new directors

Upcoming dividend of US$0.44 per share at 3.5% yield

C&F Financial Corporation Declares Regular Cash Dividend, Payable on October 1, 2023

Second quarter 2023 earnings released: EPS: US$1.86 (vs US$1.91 in 2Q 2022)

C&F Financial Corporation Announces Demise of James H. Hudson Iii Member of Board of Directors

Insider recently sold US$108k worth of stock

Upcoming dividend of US$0.44 per share at 3.3% yield

C&F Financial Corporation Announces Quarterly Dividend, Payable on July 1, 2023

First quarter 2023 earnings released: EPS: US$1.87 (vs US$1.59 in 1Q 2022)

Upcoming dividend of US$0.44 per share at 2.9% yield

Full year 2022 earnings released: EPS: US$8.29 (vs US$7.95 in FY 2021)

President recently sold US$99k worth of stock

President recently sold US$93k worth of stock

Full year 2022 earnings released

C&F Financial Corporation Appoints Julie R. Agnew as New Board Member

Upcoming dividend of US$0.42 per share

C&F Financial GAAP EPS of $1.91, revenue of $28.29M