C&F Financial Corporation
CFFI
NASDAQ·Financial Services·Banks - Regional·Mkt cap $308.8M
$94.89
▲ +0.27%
P/E
10.58
Mkt Cap
$308.8M
52-Wk Range
$64.71–$96.00
52-Week Range
$64.71 - $96.00
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 33.7% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- 95+ year operating history with established brand recognition and customer loyalty in Mid-Atlantic markets
- Diversified revenue streams across retail banking, mortgage, consumer finance, and wealth management reducing earnings volatility
- Strategic geographic footprint with 30 branches across Virginia's high-growth markets including Richmond, Hampton, and Charlottesville
- Integrated service offerings enabling cross-selling opportunities and deeper customer relationships
- Regional focus providing local decision-making and community relationship advantages over national competitors
Bear Case
1 risk
- Low volatility (beta 0.3).
Growth
No forward estimates available
Expansion of mortgage banking operations across five-state region capturing residential lending demand
Value
Valuation data unavailable
Momentum
Hot
+26.7% over 3m
Quality
Excellent
Excellent business quality
Dividend
Modest
1.98% yield
Smart-money signal
Who's buying CFFI right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Recent earnings results
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Oct 22, 2026
JUL 23, 2026
Most recent quarter reported revenue of $50.0M (+7% YoY). Reported EPS of $2.63. Gross margin 70.3%.
Reported EPS · last 4Q
0 of 1 beats
Q3 26
—
Revenue trend · last 8Q
—
-3%
+6%
+17%
+8%
+53%
+12%
+7%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$32.4M
$31.1M
$42.7M
$46.8M
$46.6M
$47.7M
$47.7M
$50.0M
Margins · last 8Q
Gross
70.3%
Operating
21.7%
Profit
17.1%
Wall Street consensus
Analyst coverage
Live ratings and price targets aggregated across covering analysts.
vs Industry
How CFFI stacks vs Banks - Regional
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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