Stock Scorecard
Stock Summary for C & F Financial Corp (CFFI) - $73.44 as of 12/12/2025 7:47:29 PM EST
Total Score
17 out of 30
Safety Score
61 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for CFFI
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for CFFI
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for CFFI
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for CFFI
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for CFFI (61 out of 100)
| Stock Price Rating (Max of 10) | 9 |
| Historical Stock Price Rating (Max of 10) | 8 |
| Stock Price Trend (Max of 10) | 9 |
| Book Value (Max of 10) | 9 |
| Book Value to Price (Max of 10) | 6 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 5 |
| Trading Volume (Max of 10) | 0 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for CFFI
Financial Details for CFFI
Company Overview |
|
|---|---|
| Ticker | CFFI |
| Company Name | C & F Financial Corp |
| Country | USA |
| Description | C&F Financial Corporation (CFFI) is a diversified financial services holding company based in Toano, Virginia, primarily operating through its subsidiary, Citizens and Farmers Bank. The bank offers a comprehensive suite of banking services, including personal and commercial lending, deposit accounts, and wealth management solutions tailored to meet the needs of individual and business clients. C&F Financial's strategic focus on community engagement, exceptional customer service, and regional market expansion positions it well for future growth, while maintaining a strong commitment to enhancing shareholder value and achieving sustainable financial performance. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 1/27/2026 |
Stock Price History |
|
| Last Day Price | 73.44 |
| Price 4 Years Ago | 45.65 |
| Last Day Price Updated | 12/12/2025 7:47:29 PM EST |
| Last Day Volume | 7,335 |
| Average Daily Volume | 4,383 |
| 52-Week High | 88.11 |
| 52-Week Low | 52.41 |
| Last Price to 52 Week Low | 40.13% |
Valuation Measures |
|
| Trailing PE | 8.70 |
| Industry PE | 16.00 |
| Sector PE | 24.90 |
| 5-Year Average PE | 8.79 |
| Free Cash Flow Ratio | 2.48 |
| Industry Free Cash Flow Ratio | 5.93 |
| Sector Free Cash Flow Ratio | 21.91 |
| Current Ratio Most Recent Quarter | 0.17 |
| Total Cash Per Share | 29.67 |
| Book Value Per Share Most Recent Quarter | 78.23 |
| Price to Book Ratio | 0.94 |
| Industry Price to Book Ratio | 1.18 |
| Sector Price to Book Ratio | 1.94 |
| Price to Sales Ratio Twelve Trailing Months | 1.90 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.26 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.67 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 3,238,200 |
| Market Capitalization | 237,813,408 |
| Institutional Ownership | 42.38% |
Dividends |
|
| Ex-Dividend Date | 9/15/2025 |
| Previous Dividend Amount | 0.4600 |
| Current Dividend Amount | 0.4600 |
| Total Years Dividend Increasing | 0 |
| Trailing Annual Dividend Rate | 1.82 |
| Trailing Annual Dividend Yield | 2.56% |
| Forward Annual Dividend Rate | 1.84 |
| Forward Annual Dividend Yield | 2.58% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 2.61% |
| 5-Year Average Dividend Yield | 2.87% |
| 1-Year Dividend Growth Rate Percentage | 4.55% |
| 3-Year Dividend Growth Rate Percentage | 2.25% |
| 5-Year Dividend Growth Rate Percentage | 3.88% |
| All-Time Dividend Growth Rate Percentage | 5.44% |
| Dividend Payout Ratio | 22.52% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 32.10% |
| Annual Earnings Growth | -15.97% |
| Reported EPS 12 Trailing Months | 8.08 |
| Reported EPS Past Year | 6.22 |
| Reported EPS Prior Year | 6.03 |
| Net Income Twelve Trailing Months | 26,171,000 |
| Net Income Past Year | 19,834,000 |
| Net Income Prior Year | 23,604,000 |
| Quarterly Revenue Growth YOY | 11.30% |
| 5-Year Revenue Growth | 5.94% |
| Operating Margin Twelve Trailing Months | 26.70% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 96,091,000 |
| Total Cash Past Year | 65,586,000 |
| Total Cash Prior Year | 75,159,000 |
| Net Cash Position Most Recent Quarter | 2,685,000 |
| Net Cash Position Past Year | -28,029,000 |
| Long Term Debt Past Year | 93,615,000 |
| Long Term Debt Prior Year | 51,316,000 |
| Total Debt Most Recent Quarter | 93,406,000 |
| Equity to Debt Ratio Past Year | 0.71 |
| Equity to Debt Ratio Most Recent Quarter | 0.73 |
| Total Stockholder Equity Past Year | 226,360,000 |
| Total Stockholder Equity Prior Year | 216,878,000 |
| Total Stockholder Equity Most Recent Quarter | 253,283,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 55,752,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 17.22 |
| Free Cash Flow Past Year | 35,002,000 |
| Free Cash Flow Prior Year | 37,352,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.71 |
| MACD Signal | 0.26 |
| 20-Day Bollinger Lower Band | 63.81 |
| 20-Day Bollinger Middle Band | 68.92 |
| 20-Day Bollinger Upper Band | 74.02 |
| Beta | 0.34 |
| RSI | 68.42 |
| 50-Day SMA | 57.62 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 54.97 |
System |
|
| Modified | 12/12/2025 7:47:31 PM EST |