Price
No data yet.
Social Signal Score
Analyst Ratings
Revenue
$50.05M+70.19%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Thomas F. Cherry
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 575
- Beta
- 0.34
- Country
- US
- Piotroski score
- 7 / 9 (Strong)
- Altman Z-score
- -0.46
Financials
Revenue
$50.05M+70.2%Net Income
$8.56M+168.7%EBITDA
$11.65M+134.2%Free Cash Flow
$25.02M+2100.2%EPS (diluted)
$2.63+189.0%Shares Outstanding (diluted)
3.25M-6.0%Operating Expenses
$1.58MCash & Debt
$520.36MReturn of Capital
$1.93MRevenue by Segment (annual)
$141.01MDividend per Share
$0.48Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $186.13M | $26.84M | $8.29 |
| 2024 | $166.51M | $19.83M | $6.01 |
| 2023 | $149.76M | $23.60M | $6.92 |
| 2022 | $123.45M | $29.16M | $8.29 |
| 2021 | $139.97M | $28.67M | $7.95 |
| 2020 | $148.21M | $22.12M | $6.06 |
| 2019 | $124.79M | $18.86M | $5.47 |
| 2018 | $117.47M | $18.02M | $5.15 |
| 2017 | $116.83M | $6.57M | $1.89 |
| 2016 | $115.49M | $13.46M | $3.90 |
| 2015 | $107.76M | $12.53M | $3.68 |
| 2014 | $105.90M | $12.34M | $3.63 |
| 2013 | $101.88M | $14.40M | $4.37 |
| 2012 | $97.59M | $16.38M | $5.00 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from CFFI's reported EPS growth of 4.0% a year over 13 years.
- EPS in 5 years
- $10.08
- Implied price
- $90.76
- Return from $98.30
- -1.6% a year
To earn 15.0% a year on these assumptions you'd need to buy at $45.12 — -54.1% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 5 | 7 | 9 | 11 | 13 |
|---|---|---|---|---|---|
| -6.0% | -20.9% | -15.4% | -11.0% | -7.4% | -4.3% |
| -1.0% | -16.7% | -10.9% | -6.3% | -2.5% | 0.8% |
| 4.0% | -12.5% | -6.4% | -1.6% | 2.4% | 5.9% |
| 9.0% | -8.3% | -1.9% | 3.1% | 7.4% | 11.0% |
| 14.0% | -4.1% | 2.6% | 7.9% | 12.3% | 16.1% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
120+50.00%Social Signal Score
Mentions (3)
- Newsfool.com·1d ago·Positive
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.
View source ↗ - Newszacks.com·24d ago·Positive
CFFI Gains 35% in a Year: Is More Upside Ahead for the Stock? C&F Financial's 34.6% rally has been fueled by wider margins, solid loan growth, stronger mortgage activity, Virginia expansion and shareholder returns.
View source ↗ - Newsglobenewswire.com·58d ago·Negative
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.
View source ↗
Earnings
Thu, Oct 22(in 5 days)
Consensus estimate $2.46 per share
Estimates and results for CFFI via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by CFFI officers and directors.
- Bought
- $98k
- Sold
- $1.7m
4 trades
33 trades
- Crone S Dustinsold
- Dillon Larry Gsold
- Dillon Larry Gsold
- Peay D Anthonysold
- Cherry Thomas Fsold
- Seaman John A Iiisold
- Cherry Thomas Fsold
- Cherry Thomas Fsold
63 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in CFFI.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.