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

44.36USD+1.36 (+3.16%)Market Closed

Market Summary

USD44.36+1.36

Market Closed

3.16%

CFFI Alerts

3 major insider buys recently.

CFFI Stock Price

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CFFI RSI Chart

CFFI Valuation

Market Cap

149.0M

Price/Earnings (Trailing)

7.24

Price/Sales (Trailing)

1.2

EV/EBITDA

0.75

Price/Free Cashflow

3.91

CFFI Price/Sales (Trailing)

CFFI Profitability

EBT Margin

20.31%

Return on Equity

9.48%

Return on Assets

0.83%

Free Cashflow Yield

25.59%

CFFI Fundamentals

CFFI Revenue

Revenue (TTM)

124.1M

Rev. Growth (Yr)

14.09%

Rev. Growth (Qtr)

2.28%

CFFI Earnings

Earnings (TTM)

20.6M

Earnings Growth (Yr)

-47.2%

Earnings Growth (Qtr)

-32.89%

Breaking Down CFFI Revenue

Last 7 days

4.0%

Last 30 days

25.5%

Last 90 days

-19.3%

Trailing 12 Months

-11.3%

How does CFFI drawdown profile look like?

CFFI Financial Health

Debt/Equity

0.61

Debt/Cashflow

0.3

CFFI Investor Care

Dividend Yield

3.97%

Dividend/Share (TTM)

1.76

Buy Backs (1Y)

2.23%

Diluted EPS (TTM)

6.07

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
2024	0	0	0	0
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 30, 2024	sisson george r iii	bought	39,465	39.465	1,000	-
Apr 26, 2024	robinson paul c	bought	39,110	39.11	1,000	-
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	agnew julie r	acquired	-	-	600	-
Apr 16, 2024	smith jeffery o	acquired	-	-	600	-
Apr 16, 2024	peay d anthony	acquired	-	-	600	-
Apr 16, 2024	kelley elizabeth r	acquired	-	-	600	-
Apr 16, 2024	sisson george r iii	acquired	-	-	600	-
Apr 16, 2024	holmes audrey dale	acquired	-	-	600	-

Which funds bought or sold CFFI recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-38.9	-20,158	15,778	-%
May 15, 2024	STATE STREET CORP	reduced	-0.3	-775,018	1,975,170	-%
May 15, 2024	Royal Bank of Canada	reduced	-1.46	-84,000	205,000	-%
May 15, 2024	BRIDGEWAY CAPITAL MANAGEMENT, LLC	added	2.45	-641,767	1,791,050	0.04%
May 15, 2024	Tower Research Capital LLC (TRC)	reduced	-96.35	-12,750	343	-%
May 15, 2024	Anchor Investment Management, LLC	unchanged	-	-5,143	13,132	-%
May 15, 2024	Main Street Group, LTD	new	-	11,845	11,845	-%
May 15, 2024	BARCLAYS PLC	reduced	-49.23	-191,000	108,000	-%
May 15, 2024	BANK OF AMERICA CORP /DE/	reduced	-73.53	-360,920	84,770	-%
May 15, 2024	FIRST MANHATTAN CO. LLC.	unchanged	-	-312,701	798,455	-%

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

3 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
May 07, 2024	10-Q	Quarterly Report
May 06, 2024	4	Insider Trading
May 02, 2024	4	Insider Trading
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

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	588.1B	174.7B	13.73%	46.82%	11.68	3.37	53.11%	19.83%
BAC	307.4B	137.9B	11.58%	38.08%	12.28	2.23	56.12%	-12.56%
WFC	213.0B	85.8B	6.86%	51.95%	11.35	2.48	35.02%	26.14%
C	122.2B	125.0B	10.16%	38.13%	15.29	0.98	37.85%	-
CFG	16.9B	10.4B	12.51%	41.04%	11.81	1.62	26.22%	-33.87%
KEY	14.5B	8.1B	6.72%	53.23%	16.61	1.78	32.15%	-50.93%
MID-CAP
CMA	7.3B	4.2B	10.08%	41.38%	10.46	1.71	34.68%	-45.96%
ZION	6.6B	4.1B	14.23%	65.05%	10.55	1.63	32.93%	-30.73%
ABCB	3.5B	1.3B	13.35%	57.95%	12.32	2.65	30.60%	-12.99%
ASB	3.4B	2.0B	11.57%	43.03%	20.88	1.65	47.11%	-59.32%
SMALL-CAP
AMNB	497.6M	120.2M	6.68%	49.76%	19.02	4.14	45.65%	-13.98%
AROW	417.1M	173.1M	15.06%	27.00%	14.3	2.41	26.54%	-34.86%
ALRS	390.4M	152.4M	-0.90%	32.84%	39.27	2.56	16.94%	-73.84%
ACNB	295.5M	98.7M	10.19%	20.01%	10.04	2.99	6.27%	-22.90%
ASRV	48.0M	62.5M	8.95%	-1.75%	-16.24	0.77	18.83%	-145.18%

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	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-100.0%	-	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
EBITDA Margin	-4.4%	1.01*	1.05*	1.16*	1.23*	1.29*	1.33*	1.31*	1.34*	1.35*	1.37*	1.38*	1.36*	-	-	-	-	-	-	-	-	-
Interest Expenses	-3.3%	23.00	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
Income Taxes	-49.1%	1.00	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
Earnings Before Taxes	-35.5%	4.00	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
EBT Margin	-13.5%	0.20*	0.23*	0.30*	0.32*	0.35*	0.36*	0.34*	0.36*	0.39*	0.41*	0.43*	0.42*	-	-	-	-	-	-	-	-	-
Net Income	-32.9%	3.00	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
Net Income Margin	-12.9%	0.17*	0.19*	0.24*	0.26*	0.28*	0.29*	0.26*	0.28*	0.29*	0.31*	0.32*	0.31*	-	-	-	-	-	-	-	-	-
Free Cashflow	-97.5%	0.00	17.00	22.00	-1.07	-0.35	21.00	19.00	8.00	40.00	37.00	13.00	63.00	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	1.3%	2,470	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
Cash Equivalents	-26.5%	55.00	75.00	71.00	59.00	84.00	27.00	99.00	139	269	268	201	169	147	87.00	-	-	-	165	-	-	-
Net PPE	-0.9%	42.00	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
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	25.00	14.00	14.00	14.00	14.00
Liabilities	1.4%	2,253	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
Short Term Borrowings	-52.2%	28.00	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
Shareholder's Equity	0.0%	217	217	200	203	203	196	185	196	201	211	205	202	199	194	189	183	179	165	162	159	155
Retained Earnings	0.8%	236	234	230	226	221	217	208	203	198	194	189	183	176	171	164	159	156	154	151	148	143
Additional Paid-In Capital	-7.4%	6.00	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
Shares Outstanding	-0.2%	3.00	3.00	3.00	3.00	3.00	3.00	3.00	4.00	4.00	4.00	4.00	4.00	-	-	-	-	-	-	-	-	-
Minority Interest	-4.5%	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	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	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-94.7%	895	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
Share Based Compensation	4.9%	510	486	581	453	474	441	524	497	511	491	386	428	392	435	311	312	389	393	306	310	457
Cashflow From Investing	-412.6%	-49,621	-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
Cashflow From Financing	1187.5%	28,774	-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
Dividend Payments	0.4%	1,482	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
Buy Backs	-26.1%	1,031	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

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CFFI Income Statement

2024-03-31

CONSOLIDATED STATEMENTS OF INCOME (Unaudited) - USD ($) $ in Thousands	3 Months Ended
	Mar. 31, 2024	Mar. 31, 2023
Interest income
Interest and fees on loans	$ 29,586	$ 26,060
Interest on interest-bearing deposits and federal funds sold	259	176
Interest and dividends on securities
U.S. treasury, government agencies and corporations	602	1,035
Mortgage-backed securities	886	947
Tax-exempt obligations of states and political subdivisions	883	618
Taxable obligations of states and political subdivisions	184	184
Corporate and other	308	285
Total interest income	32,708	29,305
Interest expense
Savings and interest-bearing deposits	1,614	1,209
Time deposits	6,916	1,820
Borrowings	722	1,025
Trust preferred capital notes	298	293
Total interest expense	9,550	4,347
Net interest income	23,158	24,958
Provision for credit losses	3,500	2,050
Net interest income after provision for credit losses	19,658	22,908
Noninterest income
Gains on sales of loans	1,288	1,794
Interchange income	1,475	1,520
Service charges on deposit accounts	1,047	1,048
Investment income from other equity interests	167	113
Mortgage banking fee income	479	494
Wealth management services income, net	731	614
Mortgage lender services income	503	451
Other service charges and fees	396	391
Net (losses) gains on sales, maturities and calls of available for sale securities		(5)
Other income, net	1,406	1,217
Total noninterest income	7,492	7,637
Noninterest expenses
Salaries and employee benefits	14,252	13,898
Occupancy	2,132	2,044
Data processing	2,829	2,682
Professional fees	915	595
Insurance Expense	406	396
Marketing and advertising expenses	168	401
Mortgage banking loan processing expenses	184	258
Other	2,264	2,321
Total noninterest expenses	23,150	22,595
Income (loss) before taxes	4,000	7,950
Income tax expense	565	1,453
Net income (loss)	3,435	6,497
Less net income attributable to noncontrolling interest	34	56
Net income attributable to C&F Financial Corporation	$ 3,401	$ 6,441
Net income per share - basic (in dollars per share)	$ 1.01	$ 1.86
Net income per share - diluted (in dollars per share)	$ 1.01	$ 1.86

CFFI Balance Sheet

2024-03-31

CONSOLIDATED BALANCE SHEETS (Unaudited) - USD ($) $ in Thousands	Mar. 31, 2024	Dec. 31, 2023
Assets
Cash and due from banks	$ 15,904	$ 16,382
Interest-bearing deposits in other banks	39,303	58,777
Total cash and cash equivalents	55,207	75,159
Securities available for sale	430,421	462,444
Loans held for sale, at fair value	22,622	14,176
Loans, net of allowance for credit losses of $40,200 and $39,651, respectively	1,777,227	1,702,488
Restricted stock, at cost	3,592	2,925
Corporate premises and equipment, net	41,549	41,914
Accrued interest receivable	10,595	10,398
Goodwill	25,191	25,191
Other intangible assets, net	1,342	1,407
Bank-owned life insurance	21,586	21,464
Net deferred tax asset	19,253	18,731
Other assets	61,166	62,201
Total assets	2,469,751	2,438,498
Deposits
Noninterest-bearing demand deposits	535,048	549,367
Savings and interest-bearing demand deposits	816,714	843,564
Time deposits	736,170	673,199
Total deposits	2,087,932	2,066,130
Short-term borrowings	27,805	58,223
Long-term borrowings	68,339	25,894
Trust preferred capital notes	25,431	25,422
Accrued interest payable	4,644	3,493
Other liabilities	38,651	41,820
Total liabilities	2,252,802	2,220,982
Commitments and contingent liabilities (Note 11)
Equity
Common stock ($1.00 par value, 8,000,000 shares authorized, 3,367,619 and 3,374,098 shares issued and outstanding, respectively, includes 121,238 and 135,694 of unvested shares, respectively)	3,246	3,238
Additional paid-in capital	6,084	6,567
Retained earnings	235,679	233,760
Accumulated other comprehensive loss, net	(28,669)	(26,687)
Equity attributable to C&F Financial Corporation	216,340	216,878
Noncontrolling interest	609	638
Total equity	216,949	217,516
Total liabilities and equity	$ 2,469,751	$ 2,438,498

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 May 17 2024, market cap of C&F Financial Corp is 148.95 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 May 17 2024, CFFI's PE ratio (Price to Earnings) is 7.24 and Price to Sales (PS) ratio is 1.2. 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 0.053 (multiply by 100 for percentage) rate of return.