CFFI - C&F Financial Corp Stock Price, Fair Value and News

38.42USD+0.68 (+1.80%)Market Closed

Market Summary

USD38.42+0.68

Market Closed

1.80%

CFFI Alerts

1 major insider buys recently.

CFFI Stock Price

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CFFI RSI Chart

CFFI Valuation

Market Cap

129.6M

Price/Earnings (Trailing)

5.49

Price/Sales (Trailing)

1.04

EV/EBITDA

0.42

Price/Free Cashflow

3.47

CFFI Price/Sales (Trailing)

CFFI Profitability

EBT Margin

23.49%

Return on Equity

10.88%

Return on Assets

0.97%

Free Cashflow Yield

28.82%

CFFI Fundamentals

CFFI Revenue

Revenue (TTM)

124.1M

Rev. Growth (Yr)

14.09%

Rev. Growth (Qtr)

2.28%

CFFI Earnings

Earnings (TTM)

23.6M

Earnings Growth (Yr)

-50.83%

Earnings Growth (Qtr)

-12.45%

Breaking Down CFFI Revenue

Last 7 days

3.9%

Last 30 days

-20.8%

Last 90 days

-33.7%

Trailing 12 Months

-26.5%

How does CFFI drawdown profile look like?

CFFI Financial Health

Debt/Equity

0.61

Debt/Cashflow

0.29

CFFI Investor Care

Dividend Yield

4.58%

Dividend/Share (TTM)

1.76

Buy Backs (1Y)

2.70%

Diluted EPS (TTM)

6.92

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2023	108.4M	114.8M	120.1M	124.1M
2022	92.9M	93.4M	96.1M	101.4M
2021	95.2M	95.5M	95.3M	93.7M
2020	96.8M	96.1M	96.0M	96.9M
2019	92.8M	94.4M	94.7M	95.0M
2018	90.3M	90.5M	91.5M	92.5M
2017	89.5M	89.6M	89.6M	89.6M
2016	25.5M	46.8M	68.1M	89.4M
2015	86.0M	58.7M	31.4M	4.2M
2014	82.4M	84.9M	87.0M	86.5M
2013	77.3M	77.5M	77.6M	80.2M
2012	74.9M	75.6M	76.2M	77.0M
2011	70.9M	71.9M	73.1M	73.8M
2010	0	66.6M	68.2M	69.8M
2009	0	0	0	65.0M

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of C&F Financial Corp

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 24, 2024	long jason e	bought	19,235	38.47	500	evp, chief financial officer
Apr 16, 2024	olsson charles elis	acquired	-	-	600	-
Apr 16, 2024	smith jeffery o	acquired	-	-	600	-
Apr 16, 2024	agnew julie r	acquired	-	-	600	-
Apr 16, 2024	kelley elizabeth r	acquired	-	-	600	-
Apr 16, 2024	peay d anthony	acquired	-	-	600	-
Apr 16, 2024	sisson george r iii	acquired	-	-	600	-
Apr 16, 2024	holmes audrey dale	acquired	-	-	600	-
Apr 16, 2024	causey j p jr	acquired	-	-	600	-
Apr 16, 2024	napier james t	acquired	-	-	600	-

Which funds bought or sold CFFI recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 25, 2024	Bank of New York Mellon Corp	reduced	-12.78	-300,377	504,356	-%
Apr 24, 2024	RITHOLTZ WEALTH MANAGEMENT	sold off	-100	-284,068	-	-%
Apr 24, 2024	Dakota Wealth Management	unchanged	-	-249,485	637,037	0.02%
Apr 23, 2024	AMALGAMATED BANK	reduced	-61.32	-15,000	5,000	-%
Apr 22, 2024	MetLife Investment Management, LLC	unchanged	-	25,897	121,037	-%
Apr 22, 2024	Raymond James Financial Services Advisors, Inc.	reduced	-2.46	-407,360	954,667	-%
Apr 16, 2024	TRUST CO OF VIRGINIA /VA	unchanged	-	-144,212	368,235	0.04%
Apr 08, 2024	TOMPKINS FINANCIAL CORP	sold off	-100	-6,819	-	-%
Mar 11, 2024	VANGUARD GROUP INC	added	0.54	2,434,180	11,156,000	-%
Feb 28, 2024	AMERICAN INTERNATIONAL GROUP, INC.	reduced	-1.97	21,483	108,422	-%

Are Funds Buying or Selling CFFI?

Are funds buying CFFI calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own CFFI

No. of Funds

CFFI Alerts

1 major insider buys recently.

Unveiling C&F Financial Corp's Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 09, 2024	dimensional fund advisors lp	5.5%	186,401	SC 13G/A
Jan 29, 2024	blackrock inc.	5.7%	191,176	SC 13G
Feb 10, 2023	dimensional fund advisors lp	5.5%	189,652	SC 13G/A
Feb 08, 2022	dimensional fund advisors lp	5.2%	184,993	SC 13G/A
Mar 09, 2021	dimensional fund advisors lp	5.1%	187,297	SC 13G/A
Feb 12, 2020	dimensional fund advisors lp	5.21%	178,326	SC 13G
Feb 10, 2020	blackrock inc.	4.8%	165,978	SC 13G/A
Feb 07, 2020	blackrock inc.	5.0%	172,159	SC 13G

Recent SEC filings of C&F Financial Corp

View All Filings

Date Filed	Form Type	Document
Apr 25, 2024	4	Insider Trading
Apr 19, 2024	8-K	Current Report
Apr 18, 2024	4	Insider Trading
Apr 18, 2024	8-K	Current Report
Apr 18, 2024	4	Insider Trading
Apr 18, 2024	4	Insider Trading
Apr 18, 2024	4	Insider Trading
Apr 18, 2024	4	Insider Trading
Apr 18, 2024	4	Insider Trading
Apr 18, 2024	4	Insider Trading

Peers (Alternatives to C&F Financial Corp)

Name	Mkt Capsorted ascending	Revenue	Price %, 1M	Returns, 1Y	P/E	P/S	Rev 1-Yr	Inc 1-Yr
LARGE-CAP
JPM	557.3B	171.1B	-3.02%	41.18%	11.25	3.26	60.72%	31.52%
BAC	297.7B	130.3B	-	30.88%	11.23	2.29	79.51%	-3.68%
WFC	214.3B	85.7B	3.98%	51.03%	11.19	2.5	41.49%	39.96%
C	119.7B	133.3B	-0.18%	34.65%	12.97	0.9	79.09%	-
CFG	16.1B	10.2B	-1.93%	16.75%	10.02	1.58	44.53%	-22.43%
KEY	13.7B	7.9B	-6.07%	34.16%	14.19	1.73	46.47%	-49.56%
MID-CAP
CMA	6.9B	4.2B	-4.02%	25.94%	9.92	1.62	34.68%	-45.96%
ZION	6.2B	3.9B	-3.20%	57.15%	9.1	1.57	45.91%	-25.03%
ABCB	3.3B	1.3B	-0.60%	41.74%	12.27	2.58	43.24%	-22.35%
ASB	3.3B	2.0B	1.46%	20.10%	17.81	1.66	70.97%	-50.03%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
ALRS	400.7M	164.9M	-6.54%	37.44%	34.26	2.43	42.66%	-70.76%
AROW	378.6M	162.6M	-8.08%	4.96%	12.59	2.33	25.39%	-38.37%
ACNB	280.5M	96.6M	-10.60%	4.96%	8.85	2.9	11.02%	-11.37%
ASRV	45.1M	60.9M	-2.95%	-12.04%	-13.48	0.74	24.06%	-144.92%

C&F Financial Corp News

Latest updates

C&F Financial Corp Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Income Statement (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	2.3%	32.00	32.00	31.00	29.00	28.00	26.00	24.00	22.00	23.00	24.00	24.00	23.00	25.00	24.00	24.00	25.00	24.00	24.00	24.00	23.00	23.00
EBITDA Margin	-9.3%	1.05*	1.16*	1.23*	1.29*	1.33*	1.31*	1.34*	1.35*	1.37*	1.38*	1.36*	1.28*	-	-	-	-	-	-	-	-	-
Interest Expenses	-2.1%	24.00	24.00	24.00	25.00	26.00	24.00	23.00	20.00	21.00	22.00	22.00	21.00	22.00	21.00	20.00	21.00	20.00	20.00	21.00	20.00	20.00
Income Taxes	-16.2%	1.00	1.00	2.00	1.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	2.00	3.00	2.00	1.00	1.00	1.00	1.00	2.00	1.00	1.00
Earnings Before Taxes	-12.7%	6.00	7.00	8.00	8.00	13.00	8.00	9.00	7.00	8.00	10.00	11.00	9.00	11.00	9.00	5.00	5.00	5.00	6.00	7.00	5.00	5.00
EBT Margin	-21.0%	0.23*	0.30*	0.32*	0.35*	0.36*	0.34*	0.36*	0.39*	0.41*	0.43*	0.42*	0.36*	-	-	-	-	-	-	-	-	-
Net Income	-12.5%	5.00	6.00	6.00	6.00	10.00	6.00	7.00	6.00	6.00	8.00	8.00	7.00	8.00	7.00	4.00	4.00	4.00	5.00	6.00	4.00	4.00
Net Income Margin	-20.8%	0.19*	0.24*	0.26*	0.28*	0.29*	0.26*	0.28*	0.29*	0.31*	0.32*	0.31*	0.27*	-	-	-	-	-	-	-	-	-
Free Cashflow	-25.6%	17.00	22.00	-1.07	-0.35	21.00	19.00	8.00	40.00	37.00	13.00	63.00	39.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	0.7%	2,438	2,422	2,419	2,440	2,332	2,339	2,334	2,302	2,265	2,209	2,169	2,169	2,086	2,081	1,983	1,877	1,657	1,619	1,568	1,549	1,521
Cash Equivalents	6.6%	75.00	71.00	59.00	84.00	27.00	99.00	139	269	268	201	169	147	87.00	-	-	-	165	-	-	-	115
Net PPE	-1.0%	42.00	42.00	43.00	44.00	44.00	44.00	44.00	45.00	45.00	45.00	45.00	45.00	44.00	43.00	39.00	39.00	35.00	36.00	37.00	37.00	37.00
Goodwill	0%	25.00	25.00	25.00	25.00	25.00	25.00	25.00	25.00	25.00	25.00	25.00	25.00	25.00	25.00	25.00	25.00	14.00	14.00	14.00	14.00	14.00
Liabilities	0.0%	2,221	2,221	2,217	2,237	2,136	2,154	2,138	2,101	2,053	2,004	1,967	1,970	1,892	1,892	1,800	1,698	1,492	1,457	1,409	1,394	1,369
Short Term Borrowings	-39.1%	58.00	96.00	124	146	37.00	38.00	37.00	32.00	35.00	37.00	24.00	24.00	20.00	60.00	23.00	18.00	16.00	17.00	17.00	17.00	15.00
Shareholder's Equity	8.6%	217	200	203	203	196	185	196	201	211	205	202	199	194	189	183	179	165	162	159	155	152
Retained Earnings	1.6%	234	230	226	221	217	208	203	198	194	189	183	176	171	164	159	156	154	151	148	143	141
Additional Paid-In Capital	-11.5%	7.00	7.00	8.00	10.00	12.00	13.00	14.00	15.00	15.00	15.00	18.00	22.00	21.00	21.00	21.00	21.00	10.00	9.00	10.00	11.00	13.00
Shares Outstanding	-0.2%	3.00	3.00	3.00	3.00	3.00	3.00	4.00	4.00	4.00	4.00	4.00	4.00	-	-	-	-	-	-	-	-	-
Minority Interest	3.2%	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	1.00	0.00	0.00	0.00	0.00	-
Float	-	-	-	171	-	-	-	151	-	-	-	171	-	-	-	114	-	-	-	177	-	-

Cashflow (Last 12 Months)

(In Thousands)

Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-25.0%	16,974	22,644	-972	165	21,534	19,629	8,199	41,197	37,620	14,106	64,527	41,134	56,948	-70,830	-44,714	-21,778	6,109	6,771	-41,679	14,167	11,341
Share Based Compensation	-16.4%	486	581	453	474	441	524	497	511	491	386	428	392	435	311	312	389	393	306	310	457	389
Cashflow From Investing	8.7%	-9,681	-10,609	3,445	-39,494	-74,074	-70,292	-176,428	-90,485	-28,253	-12,951	-35,697	-61,792	-3,274	-58,238	-112,090	-9,684	-26,842	8,308	-6,089	-11,306	-25,781
Cashflow From Financing	-518.2%	-2,646	-428	-27,788	96,888	-20,247	11,209	38,193	50,481	56,883	30,875	-6,803	81,427	7,222	74,541	89,095	14,038	40,372	36,060	4,972	19,577	20,304
Dividend Payments	-0.8%	1,476	1,488	1,501	1,521	1,457	1,468	1,411	1,420	1,414	1,416	1,446	1,399	1,386	1,387	1,385	1,388	1,300	1,267	1,276	1,288	1,288
Buy Backs	-0.3%	1,395	1,399	2,509	2,455	1,834	1,696	1,120	723	729	2,738	4,536	229	706	1.00	263	355	395	1,124	1,631	1,904	1,305

CFFI Income Statement

2023-12-31

CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	12 Months Ended
CONSOLIDATED STATEMENTS OF INCOME - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022	Dec. 31, 2021
Interest income
Interest and fees on loans	$ 110,938	$ 90,833	$ 88,118
Interest on interest-bearing deposits and federal funds sold	1,245	1,278	254
Interest and dividends on securities
U.S. treasury, government agencies and corporations	3,491	2,859	705
Mortgage-backed securities	3,669	3,178	1,972
Tax-exempt obligations of states and political subdivisions	2,844	1,623	1,678
Taxable obligations of states and political subdivisions	726	656	386
Corporate and other	1,224	927	615
Total interest income	124,137	101,354	93,728
Interest expense
Savings and interest-bearing deposits	5,275	2,228	1,409
Time deposits	15,112	2,996	4,028
Borrowings	4,850	1,502	1,771
Trust preferred capital notes	1,193	1,164	1,151
Total interest expense	26,430	7,890	8,359
Net interest income	97,707	93,464	85,369
Provision for credit losses	8,275	3,172	575
Net interest income after provision for credit losses	89,432	90,292	84,794
Noninterest income
Gains on sales of loans	5,780	7,498	22,279
Interchange income	6,187	6,030	5,740
Service charges on deposit accounts	4,330	4,306	3,718
Investment income from other equity interests	677	3,138	456
Mortgage banking fee income	2,110	2,931	6,482
Wealth management services income, net	2,564	2,442	2,761
Mortgage lender services income	2,048	1,667	2,492
Other service charges and fees	1,643	1,577	1,585
Net (losses) gains on sales, maturities and calls of available for sale securities	(5)		42
Other income (loss), net	4,281	(377)	4,276
Total noninterest income	29,615	29,212	49,831
Noninterest expenses
Salaries and employee benefits	54,876	47,867	58,581
Occupancy	7,993	8,564	8,859
Data processing	10,874	10,514	11,088
Professional fees	2,752	2,767	3,066
Insurance Expense	1,659	1,049	1,061
Marketing and advertising expenses	1,548	1,805	1,523
Mortgage banking loan processing expenses	1,048	1,682	3,128
Other	9,133	8,292	9,237
Total noninterest expenses	89,883	82,540	96,543
Income before income taxes	29,164	36,964	38,082
Income tax expense	5,418	7,595	8,959
Net income	23,746	29,369	29,123
Less net income attributable to noncontrolling interest	142	210	456
Net income attributable to C&F Financial Corporation	$ 23,604	$ 29,159	$ 28,667
Net income per share - basic (in dollars per share)	$ 6.92	$ 8.29	$ 7.95
Net income per share - diluted (in dollars per share)	$ 6.92	$ 8.29	$ 7.95

CFFI Balance Sheet

2023-12-31

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2023	Dec. 31, 2022
Assets
Cash and due from banks	$ 16,382	$ 19,610
Interest-bearing deposits in other banks	58,777	7,051
Total cash and cash equivalents	75,159	26,661
Securities-available for sale at fair value, amortized cost of $494,092 and $557,128, respectively	462,444	512,591
Loans held for sale, at fair value	14,176	14,259
Loans, net of allowance for credit losses of $39,651 and $40,518, respectively	1,702,488	1,595,200
Restricted stock, at cost	2,925	1,120
Corporate premises and equipment, net	41,914	43,849
Accrued interest receivable	10,398	8,982
Goodwill	25,191	25,191
Other intangible assets, net	1,407	1,679
Bank-owned life insurance	21,464	20,909
Net deferred tax asset	18,731	22,014
Other assets	62,201	59,862
Total assets	2,438,498	2,332,317
Deposits
Noninterest-bearing demand deposits	549,367	605,210
Savings and interest-bearing demand deposits	843,564	1,017,356
Time deposits	673,199	381,294
Total deposits	2,066,130	2,003,860
Short-term borrowings	58,223	36,592
Long-term borrowings	25,894	30,106
Trust preferred capital notes	25,422	25,386
Accrued interest payable	3,493	950
Other liabilities	41,820	39,190
Total liabilities	2,220,982	2,136,084
Commitments and contingent liabilities (Note 18)
Equity
Common stock ($1.00 par value, 8,000,000 shares authorized, 3,374,098 and 3,476,614 shares issued and outstanding, respectively, includes 135,694 and 145,677 of unvested shares, respectively)	3,238	3,331
Additional paid-in capital	6,567	12,047
Retained earnings	233,760	217,214
Accumulated other comprehensive loss, net	(26,687)	(36,958)
Equity attributable to C&F Financial Corporation	216,878	195,634
Noncontrolling interest	638	599
Total equity	217,516	196,233
Total liabilities and equity	$ 2,438,498	$ 2,332,317

About C&F Financial Corp

C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. The company's community Banking offers various banking services, including checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. It also provides ATMs, Internet and mobile banking, and debit and credit cards, as well as safe deposit box rentals, notary public, electronic transfer, and other customary bank services. The company's Mortgage Banking segment provides various residential mortgage loans; 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; and ancillary mortgage loan origination services for residential appraisals, as well as various mortgage origination activities. The company's Consumer Finance segment provides automobile loans. It also offers brokerage and wealth management services; and insurance products. In addition, the company provides title and settlement agency, and insurance services. C&F Financial Corporation was founded in 1927 and is headquartered in West Point, Virginia.

CEO	Mr. Thomas F. Cherry
WEBSITE	cffc.com
INDUSTRY	Banks Diversified
EMPLOYEES	613

C&F Financial Corp Frequently Asked Questions

What is the ticker symbol for C&F Financial Corp? What does CFFI stand for in stocks?

CFFI is the stock ticker symbol of C&F Financial Corp. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of C&F Financial Corp (CFFI)?

As of Fri Apr 26 2024, market cap of C&F Financial Corp is 129.61 Million. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of CFFI stock?

You can check CFFI's fair value in chart for subscribers.

What is the fair value of CFFI stock?

You can check CFFI's fair value in chart for subscribers. The fair value of C&F Financial Corp is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of C&F Financial Corp is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for CFFI so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is C&F Financial Corp a good stock to buy?

The fair value guage provides a quick view whether CFFI is over valued or under valued. Whether C&F Financial Corp is cheap or expensive depends on the assumptions which impact C&F Financial Corp's fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for CFFI.

What is C&F Financial Corp's Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri Apr 26 2024, CFFI's PE ratio (Price to Earnings) is 5.49 and Price to Sales (PS) ratio is 1.04. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. CFFI PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on C&F Financial Corp's stock?

In the past 10 years, C&F Financial Corp has provided 0.046 (multiply by 100 for percentage) rate of return.