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C&F Financial Corporation (CFFI)

Financial Services | Banks - Regional | Toano, United States | NasdaqGS
102.73 USD +0.89 (0.874%) ⇧ (Oct. 15, 2026, 4 p.m. EDT)
Short-term:★★★★☆Long-term:★★★★☆Dividends:★★★⯪☆
Hot Take ↕ | Oct. 10, 2026, 6:22 a.m. EDT

The most compelling signal here is the convergence of aggressive growth and a pristine balance sheet. The bank is executing flawlessly on the top line, with revenue growing 11.6% and earnings up 11%, driven by loan expansion and margin improvements. This fundamental strength is reflected in the price action, which has surged nearly 28% over the last six months and sits well above its 200-day average, indicating strong institutional accumulation. The valuation remains attractive relative to this performance, trading at a forward P/E of roughly 10x and a price-to-book of just 1.2x, suggesting the market hasn't fully priced in the quality of the turnaround. While the statistical forecasting model shows only moderate confidence for the immediate next month, the underlying business momentum—evidenced by double-digit growth in mortgage originations and successful market expansion—provides a robust foundation for continued upside. The risk of a 'value trap' is low given the consistent profitability and low debt levels.
Model Selection — Backtest MAE (log-scale, lower is better)
ModelMAE
AutoTheta ✓0.110802
AutoETS0.133400
AutoARIMA0.133465
MSTL0.138082

Forecast horizon: 45 days | Selected: AutoTheta

Forecast Reliability
Score 53%
H-stat 3.07
Ljung-Box p 0.000
Jarque-Bera p 0.471
Excess Kurtosis -0.83
Attribute Value
Sector Financial Services
Ex Dividend Date 2026-09-14
Last Dividend Date 2026-09-14
Revenue per Share 42.021
Market Cap 334,046,240
Trailing P/E 11.47
Forward P/E 10.28
Beta 0.34
Profit Margins 21.34%
Website https://www.cffc.com

Dividend Data

Yield Summary
Last Yield 1yr Yield 3yr Avg 5yr Avg
0.50% 2.42% 2.77% 2.94%
Dividend History
Date Dividend Yield %
2026-09-15 0.48 0.498649
2026-06-15 0.48 0.645682
2026-03-13 0.48 0.671329
2025-12-15 0.46 0.607662
2025-09-15 0.46 0.650637
2025-06-13 0.46 0.736000
2025-03-14 0.46 0.642907
2024-12-13 0.44 0.562660
2024-09-13 0.44 0.767888
2024-06-14 0.44 0.976693
2024-03-14 0.44 0.904419
2023-12-14 0.44 0.655152
2023-09-14 0.44 0.821049
2023-06-14 0.44 0.789946
2023-03-14 0.44 0.768425
2022-12-14 0.42 0.756076
2022-09-14 0.42 0.847629
2022-06-14 0.40 0.826276
2022-03-14 0.40 0.782932
2021-12-14 0.40 0.785855
2021-09-14 0.40 0.765550
2021-06-14 0.40 0.784314
2021-03-11 0.38 0.768298
2020-12-11 0.38 1.034014
2020-09-14 0.38 1.250000
2020-06-12 0.38 1.103048
2020-03-12 0.38 1.193467
2019-12-12 0.38 0.698529
2019-09-12 0.37 0.711538
2019-06-13 0.37 0.728633
2019-03-14 0.37 0.714286
2018-12-13 0.37 0.739704
2018-09-13 0.36 0.598504
2018-06-14 0.34 0.578231
2018-03-14 0.34 0.662768
2017-12-14 0.34 0.562448
2017-09-14 0.33 0.677618
2017-06-13 0.33 0.685358
2017-03-13 0.33 0.756014
2016-12-13 0.33 0.663984
2016-09-13 0.32 0.748188
2016-06-13 0.32 0.752233
2016-03-11 0.32 0.820513
2015-12-11 0.32 0.840999
2015-09-11 0.30 0.856653
2015-06-11 0.30 0.828272
2015-03-11 0.30 0.831025
2014-12-11 0.30 0.767263
2014-09-11 0.30 0.864055
2014-06-11 0.30 0.825764
2014-03-12 0.29 0.799559
2013-12-12 0.29 0.655367
2013-09-11 0.29 0.569745
2013-06-12 0.29 0.553646
2013-03-13 0.29 0.707490
2012-12-12 0.29 0.841067
2012-09-12 0.27 0.675338
2012-06-13 0.26 0.697987
2012-03-13 0.26 0.869565
2011-12-13 0.26 1.134380
2011-09-13 0.25 1.168224
2011-06-13 0.25 1.185396
2011-03-11 0.25 1.075269
2010-12-13 0.25 1.190476
2010-09-13 0.25 1.369863
2010-06-11 0.25 1.269035
2010-03-11 0.25 1.222494
2009-12-11 0.25 1.282051
2009-09-11 0.25 1.250000
2009-06-11 0.25 1.562500
2009-03-11 0.31 2.481986
2008-12-11 0.31 2.123288
2008-09-11 0.31 1.476190
2008-06-11 0.31 1.136780
2008-03-12 0.31 1.087719
2007-12-12 0.31 0.954434
2007-09-12 0.31 0.721769
2007-06-13 0.31 0.715110
2007-03-13 0.31 0.689042
2006-12-13 0.31 0.779286
2006-09-13 0.29 0.751295
2006-06-13 0.29 0.721034
2006-03-13 0.27 0.679245
2005-12-13 0.27 0.696774
2005-09-13 0.25 0.649351
2005-06-13 0.24 0.606827
2005-03-11 0.24 0.622568
2004-12-13 0.24 0.607441
2004-09-13 0.22 0.578947
2004-06-14 0.22 0.607903
2004-03-11 0.22 0.536978
2003-12-11 0.20 0.465116
2003-09-11 0.18 0.405132
2003-06-12 0.18 0.449326
2003-03-13 0.16 0.547945
2002-12-12 0.16 0.646465
2002-09-12 0.16 0.727273
2002-06-13 0.15 0.648228
2002-03-13 0.15 0.714286
2001-12-12 0.15 0.793651
2001-09-18 0.15 0.833333
2001-06-13 0.14 0.861538
2001-03-13 0.14 0.925620
2000-12-13 0.14 0.914286
2000-09-13 0.13 0.818898
2000-06-13 0.13 0.781955
2000-03-13 0.13 0.976526
1999-12-13 0.13 0.705085
1999-09-13 0.12 0.666667
1999-06-11 0.12 0.600000
1999-03-11 0.12 0.635762
1998-12-11 0.11 0.571429
1998-09-11 0.11 0.575163
1998-06-26 0.11 0.539877
Additional Data
dividendYield 1.87
exDividendDate 2026-09-15
trailingAnnualDividendRate 1.88
trailingAnnualDividendYield 0.01846033
lastDividendValue 0.48
lastDividendDate 2026-09-15
dividendDate 2026-10-01

Info Dump

Attribute Value
52 Week Change 0.5029993
Address1 3,600 La Grange Parkway
All Time High 105.38
All Time Low 9.65
Ask 103.45
Ask Size 5
Audit Risk 7
Average Daily Volume10 Day 55,620
Average Daily Volume3 Month 53,725
Average Volume 53,725
Average Volume10Days 55,620
Beta 0.336
Bid 102.8
Bid Size 4
Board Risk 5
Book Value 85.464
City Toano
Compensation As Of Epoch Date 1,767,139,200
Compensation Risk 2
Country United States
Crypto Tradeable 0
Currency USD
Current Price 102.73
Custom Price Alert Confidence HIGH
Date Short Interest 1,790,726,400
Day High 103.91
Day Low 102.36
Display Name C&F Financial
Dividend Date 1,790,812,800
Dividend Yield 1.87
Earnings Growth 0.109
Earnings Quarterly Growth 0.113
Earnings Timestamp 1,784,833,200
Earnings Timestamp End 1,793,044,800
Earnings Timestamp Start 1,793,044,800
Ebitda Margins 0.0
Enterprise To Revenue 2.854
Enterprise Value 389,065,216
Eps Current Year 9.65
Eps Forward 9.99
Eps Trailing Twelve Months 8.96
Esg Populated 0
Ex Dividend Date 1,789,430,400
Exchange NMS
Exchange Data Delayed By 15
Exchange Timezone Name America/New_York
Exchange Timezone Short Name EDT
Fifty Day Average 93.6332
Fifty Day Average Change 9.096802
Fifty Day Average Change Percent 0.09715359
Fifty Two Week Change Percent 50.29993
Fifty Two Week High 105.38
Fifty Two Week High Change -2.649994
Fifty Two Week High Change Percent -0.02514703
Fifty Two Week Low 66.48
Fifty Two Week Low Change 36.25
Fifty Two Week Low Change Percent 0.54527676
Fifty Two Week Range 66.48 - 105.38
Financial Currency USD
First Trade Date Milliseconds 894,547,800,000
Five Year Avg Dividend Yield 2.84
Float Shares 3,027,422
Forward Eps 9.99
Forward P E 10.283284
Full Exchange Name NasdaqGS
Full Time Employees 575
Fullday Change 0.8100052
Fullday Change Percent 0.7953704
Fullday Price 102.73
Gmt Off Set Milliseconds -14,400,000
Governance Epoch Date 1,790,812,800
Gross Margins 0.0
Gross Profits 136,327,008
Has Pre Post Market Data 1
Held Percent Insiders 0.06532
Held Percent Institutions 0.42179
Implied Shares Outstanding 3,251,691
Industry Banks - Regional
Industry Disp Banks - Regional
Industry Key banks-regional
Is Earnings Date Estimate 1
Language en-US
Last Dividend Date 1,789,430,400
Last Dividend Value 0.48
Last Fiscal Year End 1,767,139,200
Last Split Date 900,979,200
Last Split Factor 2:1
Long Business Summary 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, such as checking and savings deposit accounts; and business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet and mobile banking, peer-to-peer payment capabilities, debit cards, safe deposit box rentals, notary public, electronic transfer, and other customary bank services, as well as wealth management services; and engages in owning equity interests in an independent insurance agency, and a full-service title and settlement agency. The Mortgage Banking segment offers various residential mortgage loans, which are originated for sale to investors in the secondary mortgage market; originates conventional mortgage loans, mortgage loans insured by the Federal Housing Administration, and mortgage loans guaranteed by the United States Department of Agriculture and the Veterans Administration. This segment also provides mortgage loan origination functions as a service to third party mortgage lenders and other community banks; and ancillary mortgage loan production services to third parties for residential appraisals. The Consumer Finance segment offers automobile financing through lending programs to serve customers in both the prime and non-prime markets. C&F Financial Corporation was founded in 1927 and is based in Toano, Virginia.
Long Name C&F Financial Corporation
Market us_market
Market Cap 334,046,240
Market State PRE
Max Age 86,400
Message Board Id finmb_381942
Most Recent Quarter 1,782,777,600
Net Income To Common 29,086,000
Next Fiscal Year End 1,798,675,200
Non Diluted Market Cap 297,172,040
Number Of Analyst Opinions 1
Open 103.91
Operating Cashflow 42,789,000
Operating Margins 0.28441
Overall Risk 5
Payout Ratio 0.20979999
Peg Ratio -31.32
Phone 804 843 2360
Previous Close 101.84
Price Eps Current Year 10.6455965
Price Hint 2
Price To Book 1.2020267
Price To Sales Trailing12 Months 2.4503305
Profit Margins 0.21335
Quote Source Name Nasdaq Real Time Price
Quote Type EQUITY
Recommendation Key none
Region US
Regular Market Change 0.890007
Regular Market Change Percent 0.873927
Regular Market Day High 103.91
Regular Market Day Low 102.36
Regular Market Day Range 102.36 - 103.91
Regular Market Open 103.91
Regular Market Previous Close 101.84
Regular Market Price 102.73
Regular Market Time 1,792,094,401
Regular Market Volume 55,812
Return On Assets 0.01064
Return On Equity 0.11265001
Revenue Growth 0.116
Revenue Per Share 42.021
Sand P52 Week Change 0.16207206
Sector Financial Services
Sector Disp Financial Services
Sector Key financial-services
Share Holder Rights Risk 9
Shares Outstanding 3,251,691
Shares Percent Shares Out 0.015
Shares Short 48,876
Shares Short Previous Month Date 1,788,134,400
Shares Short Prior Month 38,482
Short Name C&F Financial Corporation
Short Percent Of Float 0.0161
Short Ratio 0.63
Source Interval 15
State VA
Symbol CFFI
Target High Price 115.0
Target Low Price 115.0
Target Mean Price 115.0
Target Median Price 115.0
Total Cash 66,191,000
Total Cash Per Share 20.356
Total Debt 120,603,000
Total Revenue 136,327,008
Tradeable 0
Trailing Annual Dividend Rate 1.88
Trailing Annual Dividend Yield 0.01846033
Trailing Eps 8.96
Trailing P E 11.465402
Trailing Peg Ratio None
Triggerable 1
Two Hundred Day Average 80.07265
Two Hundred Day Average Change 22.657356
Two Hundred Day Average Change Percent 0.28296
Type Disp Equity
Volume 55,812
Website https://www.cffc.com
Zip 23,168