Price
No data yet.
Social Signal Score
Revenue
$50.05M+44.33%Company Profile
- CEO
- Thomas F. Cherry
- Sector
- Financial Services
- Industry
- Banks - Regional
- Employees
- 575
- Beta
- 0.33
- Country
- US
- Piotroski score
- 7 / 9 (Strong)
- Altman Z-score
- -0.47
Financials
Revenue
$50.05M+44.3%Net Income
$8.56M+11.6%EBITDA
$11.65M+3.6%Free Cash Flow
$25.02M+89.9%EPS (diluted)
$2.63+21.8%Shares Outstanding (diluted)
3.25M-8.4%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 $87.22
- 0.8% a year
To earn 15.0% a year on these assumptions you'd need to buy at $45.12 — -48.3% 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% | -19.0% | -13.4% | -8.9% | -5.2% | -1.9% |
| -1.0% | -14.7% | -8.8% | -4.0% | -0.1% | 3.3% |
| 4.0% | -10.4% | -4.1% | 0.8% | 4.9% | 8.5% |
| 9.0% | -6.1% | 0.5% | 5.6% | 10.0% | 13.7% |
| 14.0% | -1.8% | 5.1% | 10.5% | 15.0% | 18.9% |
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)
80Social Signal Score
Mentions (1)
- Newsglobenewswire.com·5h 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 2 months)
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
- $1.5m
4 trades
31 trades
- Peay D Anthonysold
- Cherry Thomas Fsold
- Seaman John A Iiisold
- Cherry Thomas Fsold
- Cherry Thomas Fsold
- Cherry Thomas Fsold
- Cherry Thomas Fsold
- Cherry Thomas Fsold
65 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.