CFFI
Bearish signalScored 2026-09-10 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
C&F Financial Corporation
- Nom
- C&F Financial Corporation
- Secteur
- Financial Services
- Industrie
- Banks - Regional
- Bourse
- NASDAQ
- Capitalisation
- $349.0M
- Employés
- 575
- PDG
- Thomas F. Cherry
- Site web
- https://www.cffc.com
- Marché
- BPRNFSFGFUNCFVCBHWBKISTR
C&F Financial Corporation functions as a bank holding company, providing oversight for Citizens and Farmers Bank, which delivers a comprehensive range of banking services to both individuals and businesses. Its Retail Banking division offers a diverse suite of services, including checking and savings accounts, in addition to various loan products such as business, real estate, development, mortgage, home equity, and installment loans. This segment also ensures convenient access to amenities like ATMs, internet and mobile banking, and debit and credit cards. Further services include safe deposit box rentals, notary public assistance, electronic transfers, and other standard banking facilities. These retail services are provided through its main office situated in West Point, Virginia, supplemented by 30 additional branches across the state. One branch each is found in Albermarle, Goochland, Hanover, Middlesex, Powhatan, Stafford, York, Charlottesville, Hampton, Montross, Newport News, Richmond, Warsaw, and Williamsburg. Furthermore, two branches are located in each of Cumberland, James City, King George, and New Kent counties, while four branches serve both Chesterfield and Henrico counties. The Mortgage Banking segment specializes in a broad spectrum of residential mortgage loans. It facilitates conventional mortgages, those insured by the Federal Housing Administration (FHA), and loans guaranteed by both the United States Department of Agriculture (USDA) and the Veterans Administration (VA). This division also offers supporting services for mortgage origination, including residential appraisals, and extends various mortgage origination functions to third-party clients. Mortgage services are available through 11 offices in Virginia, one office in Maryland, two offices in North Carolina, and one office each in South Carolina and West Virginia. The company's Consumer Finance segment, with offices in Richmond and Hampton, Virginia, primarily provides automobile loans. Beyond these core banking operations, C&F Financial Corporation also furnishes brokerage and wealth management services, alongside various insurance products. Additionally, the company delivers title and settlement agency services. C&F Financial Corporation was established in 1927 and maintains its headquarters in West Point, Virginia.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 2 925 titres (~261 151,00 $ US)
- Insiders
- DILLON LARRY GPEAY D ANTHONYCHERRY THOMAS F
- Total bought
-
—
Avg buy (VWAP, 90d window) —
- Total sold
-
$401,116
Avg sell (VWAP, 90d window) $89.63 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-09-04
- Last synced
-
2026-09-10 10:26:50
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-04 | Crone S Dustin | Sell · S | 900 | $94.41 | $84,969 | Form 4 |
| 2026-09-04 | DILLON LARRY G | Sell · S | 1,000 | $95.07 | $95,070 | Form 4 |
| 2026-08-20 | DILLON LARRY G | Sell · S | 1,000 | $86.00 | $86,000 | Form 4 |
| 2026-08-05 | CHERRY THOMAS F | Sell · S | 500 | $87.13 | $43,565 | Form 4 |
| 2026-08-05 | PEAY D ANTHONY | Sell · S | 425 | $85.92 | $36,516 | Form 4 |
| 2026-08-03 | Seaman John A III | Sell · S | 650 | $84.61 | $54,996 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Bearish signalScored 2026-09-10 Drivers: fundamentals. Moteurs : fondamentaux.
CFFI presents a deeply concerning risk profile driven by severe liquidity stress (current ratio of 0.18, interest coverage below 1.0) that overwhelms the moderate fundamental recovery and modest earnings catalyst.
The first sentence of the analysis written for CFFI on 2026-09-10 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.18 · operating margin 18% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 69.5% | 66.3% | 76.8% | 91.0% | 93.6% | |
| Ebit Margin | 17.8% | 14.5% | 19.5% | 29.9% | 27.2% | |
| Ebitda Margin | 19.7% | 16.8% | 22.1% | 33.5% | 30.6% | |
| Operating Profit Margin | 17.8% | 14.5% | 19.5% | 29.9% | 27.2% | |
| Pretax Profit Margin | 17.8% | 14.5% | 19.5% | 29.9% | 27.2% | |
| Continuous Operations Profit Margin | 14.5% | 12.0% | 15.9% | 23.8% | 20.8% | |
| Net Profit Margin | 14.4% | 11.9% | 15.8% | 23.6% | 20.5% | |
| Bottom Line Profit Margin | 14.4% | 11.9% | 15.8% | 23.6% | 20.5% | |
| Current Ratio | 0.176 | 0.065 | 0.258 | 0.269 | 0.332 | |
| Quick Ratio | 0.176 | 0.065 | 0.258 | 0.269 | 0.332 | |
| Solvency Ratio | 0.012 | 0.010 | 0.012 | 0.016 | 0.016 | |
| Cash Ratio | 0.033 | 0.030 | 0.035 | 0.013 | 0.137 | |
| Price To Earnings Ratio | 8.756 | 11.855 | 9.854 | 7.029 | 6.439 | |
| Price To Earnings Growth Ratio | 0.231 | -0.902 | -0.596 | 1.644 | 0.206 | |
| Forward Price To Earnings Growth Ratio | 0.231 | -0.902 | -0.596 | 1.644 | 0.206 | |
| Price To Earnings Diluted Ratio | 8.756 | 11.855 | 9.854 | 7.029 | 6.439 | |
| Price To Earnings Diluted Growth Ratio | 0.231 | -0.902 | -0.596 | 1.644 | 0.206 | |
| Price To Book Ratio | 0.898 | 1.039 | 1.073 | 1.048 | 0.877 | |
| Price To Sales Ratio | 1.263 | 1.412 | 1.554 | 1.660 | 1.318 | |
| Price To Free Cash Flow Ratio | 10.605 | 6.717 | 6.229 | 2.351 | 1.209 | |
| Price To Operating Cash Flow Ratio | 9.597 | 6.109 | 5.995 | 2.263 | 1.172 | |
| Debt To Assets Ratio | 0.041 | 0.048 | 0.045 | 0.039 | 0.040 | |
| Debt To Equity Ratio | 0.433 | 0.542 | 0.505 | 0.471 | 0.430 | |
| Debt To Capital Ratio | 0.302 | 0.351 | 0.336 | 0.320 | 0.301 | |
| Long Term Debt To Capital Ratio | 0.263 | 0.293 | 0.191 | 0.221 | 0.209 | |
| Financial Leverage Ratio | 10.577 | 11.324 | 11.244 | 11.922 | 10.767 | |
| Working Capital Turnover Ratio | -0.093 | -0.091 | -0.097 | -0.088 | -0.104 | |
| Operating Cash Flow Ratio | 0.010 | 0.017 | 0.018 | 0.044 | 0.081 | |
| Operating Cash Flow Sales Ratio | 0.132 | 0.231 | 0.259 | 0.734 | 1.124 | |
| Free Cash Flow Operating Cash Flow Ratio | 0.905 | 0.909 | 0.962 | 0.963 | 0.970 | |
| Debt Service Coverage Ratio | 0.468 | 0.331 | 0.326 | 0.758 | 0.786 | |
| Interest Coverage Ratio | 0.730 | 0.564 | 1.103 | 4.685 | 4.556 | |
| Short Term Operating Cash Flow Coverage Ratio | 1.224 | 1.327 | 0.667 | 2.475 | 4.531 | |
| Operating Cash Flow Coverage Ratio | 0.216 | 0.314 | 0.354 | 0.983 | 1.740 | |
| Capital Expenditure Coverage Ratio | 10.515 | 11.041 | 26.601 | 26.682 | 32.885 | |
| Dividend Paid And Capex Coverage Ratio | 2.957 | 4.154 | 5.213 | 9.897 | 15.045 | |
| Dividend Payout Ratio | 0.222 | 0.291 | 0.254 | 0.197 | 0.198 | |
| Enterprise Value Multiple | 7.354 | 10.438 | 8.082 | 6.543 | 0.168 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 69.5% | ▲3.1% | ▼-10.0% |
| Ebit Margin | 17.8% | ▲3.3% | ▼-4.0% |
| Ebitda Margin | 19.7% | ▲2.9% | ▼-4.9% |
| Operating Profit Margin | 17.8% | ▲3.3% | ▼-4.0% |
| Pretax Profit Margin | 17.8% | ▲3.3% | ▼-4.0% |
| Continuous Operations Profit Margin | 14.5% | ▲2.5% | ▼-2.9% |
| Net Profit Margin | 14.4% | ▲2.5% | ▼-2.8% |
| Bottom Line Profit Margin | 14.4% | ▲2.5% | ▼-2.8% |
| Current Ratio | 0.176 | ▲0.112 | ▼-0.043 |
| Quick Ratio | 0.176 | ▲0.112 | ▼-0.043 |
| Solvency Ratio | 0.012 | ▲0.002 | ▼-0.001 |
| Cash Ratio | 0.033 | ▲0.004 | ▼-0.016 |
| Price To Earnings Ratio | 8.756 | ▼-3.099 | ▼-0.030 |
| Price To Earnings Growth Ratio | 0.231 | ▲1.132 | ▲0.114 |
| Forward Price To Earnings Growth Ratio | 0.231 | ▲1.132 | ▲0.114 |
| Price To Earnings Diluted Ratio | 8.756 | ▼-3.099 | ▼-0.030 |
| Price To Earnings Diluted Growth Ratio | 0.231 | ▲1.132 | ▲0.114 |
| Price To Book Ratio | 0.898 | ▼-0.141 | ▼-0.089 |
| Price To Sales Ratio | 1.263 | ▼-0.149 | ▼-0.179 |
| Price To Free Cash Flow Ratio | 10.605 | ▲3.888 | ▲5.183 |
| Price To Operating Cash Flow Ratio | 9.597 | ▲3.487 | ▲4.569 |
| Debt To Assets Ratio | 0.041 | ▼-0.007 | ▼-0.002 |
| Debt To Equity Ratio | 0.433 | ▼-0.109 | ▼-0.043 |
| Debt To Capital Ratio | 0.302 | ▼-0.049 | ▼-0.020 |
| Long Term Debt To Capital Ratio | 0.263 | ▼-0.030 | ▲0.027 |
| Financial Leverage Ratio | 10.577 | ▼-0.748 | ▼-0.590 |
| Working Capital Turnover Ratio | -0.093 | ▼-0.001 | ▲0.002 |
| Operating Cash Flow Ratio | 0.010 | ▼-0.007 | ▼-0.024 |
| Operating Cash Flow Sales Ratio | 0.132 | ▼-0.100 | ▼-0.364 |
| Free Cash Flow Operating Cash Flow Ratio | 0.905 | ▼-0.004 | ▼-0.037 |
| Debt Service Coverage Ratio | 0.468 | ▲0.137 | ▼-0.066 |
| Interest Coverage Ratio | 0.730 | ▲0.167 | ▼-1.597 |
| Short Term Operating Cash Flow Coverage Ratio | 1.224 | ▼-0.103 | ▼-0.820 |
| Operating Cash Flow Coverage Ratio | 0.216 | ▼-0.098 | ▼-0.505 |
| Capital Expenditure Coverage Ratio | 10.515 | ▼-0.525 | ▼-11.030 |
| Dividend Paid And Capex Coverage Ratio | 2.957 | ▼-1.197 | ▼-4.496 |
| Dividend Payout Ratio | 0.222 | ▼-0.070 | ▼-0.011 |
| Enterprise Value Multiple | 7.354 | ▼-3.083 | ▲0.837 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $235.0M | $235.1M | $232.7M | $204.9M | $184.5M | |
| Enterprise value | $269.2M | $292.1M | $267.0M | $270.4M | $7.2M | |
| EV / Sales | 1.45x | 1.75x | 1.78x | 2.19x | 0.05x | |
| EV / Op. cash flow | 10.99x | 7.59x | 6.88x | 2.98x | 0.05x | |
| EV / Free cash flow | 12.15x | 8.35x | 7.15x | 3.10x | 0.05x | |
| EV / EBITDA | 7.35x | 10.44x | 8.08x | 6.54x | 0.17x | |
| Net debt / EBITDA | 0.93x | 2.04x | 1.04x | 1.58x | -4.14x | |
| Current ratio | 0.18x | 0.07x | 0.26x | 0.27x | 0.33x | |
| Income quality | 0.91x | 1.93x | 1.63x | 3.08x | 5.40x | |
| Graham number | $123 | $96 | $99 | $102 | $102 | |
| Graham net-net | -$646 | -$666 | -$491 | -$452 | -$391 | |
| Tax burden | 81.1% | 82.2% | 80.9% | 78.9% | 75.3% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$1.95B | -$2.06B | -$1.58B | -$1.49B | -$1.30B | |
| Invested capital | -$1.89B | -$2.00B | -$1.51B | -$1.42B | -$1.23B | |
| Return on assets | 1.0% | 0.8% | 1.0% | 1.3% | 1.3% | |
| Operating ROA | 1.2% | 1.0% | 1.2% | 1.6% | 1.8% | |
| Return on tangible assets | 1.0% | 0.8% | 1.0% | 1.3% | 1.3% | |
| Return on equity | 10.3% | 8.8% | 10.9% | 14.9% | 13.6% | |
| Return on invested capital | 6.4% | 5.1% | 6.4% | 9.0% | 8.3% | |
| Return on capital employed | 8.3% | 6.7% | 9.4% | 12.7% | 12.1% | |
| Earnings yield | 11.4% | 8.4% | 10.1% | 14.2% | 15.5% | |
| Free cash flow yield | 9.4% | 14.9% | 16.1% | 42.5% | 82.7% | |
| Capex / Op. cash flow | 9.5% | 9.1% | 3.8% | 3.7% | 3.0% | |
| Capex / Depreciation | 65.9% | 90.4% | 37.6% | 77.9% | 100.9% | |
| Capex / Sales | 1.3% | 2.1% | 1.0% | 2.7% | 3.4% | |
| SG&A / Sales | 30.5% | 34.0% | 38.8% | 41.1% | 43.7% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.0% | 1.2% | 1.3% | 1.6% | 1.2% | |
| Intangibles / Total assets | 0.9% | 1.0% | 1.1% | 1.2% | 1.2% | |
| Days sales outstanding | 23d | 23d | 25d | 27d | 18d | |
| Days payables outstanding | 24d | 29d | 37d | 31d | 29d | |
| Operating cycle | 23d | 23d | 25d | 27d | 18d | |
| Cash conversion cycle | -1d | -5d | -11d | -5d | -11d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-08-19 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.
- 2026-07-24 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.
- 2026-07-23 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.
- 2026-07-22 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.
- 2026-07-08 BOTJ vs. CFFI: Which Regional Bank Stock Looks More Attractive Now? Bank of the James''s earnings surge, efficiency gains, healthier asset quality and lower valuation make it look more attractive than C&F Financial for capital appreciation.