Stock Scorecard
Stock Summary for C & F Financial Corp (CFFI) - $75.73 as of 6/22/2026 7:56:52 PM EST
Total Score
19 out of 30
Safety Score
60 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 (60 out of 100)
| Stock Price Rating (Max of 10) | 9 |
| Historical Stock Price Rating (Max of 10) | 9 |
| 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) | 4 |
| 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 is the banking holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. The company is headquartered in Toano, Virginia. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 3/31/2026 |
| Next Earnings Date | 7/23/2026 |
Stock Price History |
|
| Last Day Price | 75.73 |
| Price 4 Years Ago | 52.64 |
| Last Day Price Updated | 6/22/2026 7:56:52 PM EST |
| Last Day Volume | 5,347 |
| Average Daily Volume | 5,273 |
| 52-Week High | 80.49 |
| 52-Week Low | 56.29 |
| Last Price to 52 Week Low | 34.54% |
Valuation Measures |
|
| Trailing PE | 8.85 |
| Industry PE | 15.49 |
| Sector PE | 18.11 |
| 5-Year Average PE | 14.08 |
| Free Cash Flow Ratio | 3.18 |
| Industry Free Cash Flow Ratio | 12.22 |
| Sector Free Cash Flow Ratio | 26.31 |
| Current Ratio Most Recent Quarter | 1.35 |
| Total Cash Per Share | 23.79 |
| Book Value Per Share Most Recent Quarter | 81.73 |
| Price to Book Ratio | 0.95 |
| Industry Price to Book Ratio | 1.22 |
| Sector Price to Book Ratio | 1.85 |
| Price to Sales Ratio Twelve Trailing Months | 1.93 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.34 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.12 |
| Analyst Buy Ratings | N/A |
| Analyst Strong Buy Ratings | N/A |
Share Statistics |
|
| Total Shares Outstanding | 3,254,400 |
| Market Capitalization | 246,455,712 |
| Institutional Ownership | 41.44% |
Dividends |
|
| Ex-Dividend Date | 6/15/2026 |
| Previous Dividend Amount | 0.4800 |
| Current Dividend Amount | 0.4800 |
| Total Years Dividend Increasing | 1 |
| Trailing Annual Dividend Rate | 1.88 |
| Trailing Annual Dividend Yield | 2.40% |
| Forward Annual Dividend Rate | 1.92 |
| Forward Annual Dividend Yield | 2.45% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 2.57% |
| 5-Year Average Dividend Yield | 2.76% |
| 1-Year Dividend Growth Rate Percentage | 4.35% |
| 3-Year Dividend Growth Rate Percentage | 2.15% |
| 5-Year Dividend Growth Rate Percentage | 4.02% |
| All-Time Dividend Growth Rate Percentage | 5.44% |
| Dividend Payout Ratio | 21.58% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 25.20% |
| Annual Earnings Growth | 35.30% |
| Reported EPS 12 Trailing Months | 8.85 |
| Reported EPS Past Year | 2.08 |
| Reported EPS Prior Year | 8.29 |
| Net Income Twelve Trailing Months | 28,214,000 |
| Net Income Past Year | 26,835,000 |
| Net Income Prior Year | 19,834,000 |
| Quarterly Revenue Growth YOY | 10.40% |
| 5-Year Revenue Growth | 4.66% |
| Operating Margin Twelve Trailing Months | 25.60% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 77,427,000 |
| Total Cash Past Year | 79,132,000 |
| Total Cash Prior Year | 65,586,000 |
| Net Cash Position Most Recent Quarter | -5,824,000 |
| Net Cash Position Past Year | -14,203,000 |
| Long Term Debt Past Year | 93,335,000 |
| Long Term Debt Prior Year | 93,615,000 |
| Total Debt Most Recent Quarter | 83,251,000 |
| Equity to Debt Ratio Past Year | 0.74 |
| Equity to Debt Ratio Most Recent Quarter | 0.76 |
| Total Stockholder Equity Past Year | 261,753,000 |
| Total Stockholder Equity Prior Year | 226,360,000 |
| Total Stockholder Equity Most Recent Quarter | 265,470,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 10,979,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 3.37 |
| Free Cash Flow Past Year | 22,161,000 |
| Free Cash Flow Prior Year | 35,002,000 |
Options |
|
| Put/Call Ratio | 0.00 |
| Has Options | False |
| Liquidity Rating | None |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | 0.95 |
| MACD Signal | 0.41 |
| 20-Day Bollinger Lower Band | 69.48 |
| 20-Day Bollinger Middle Band | 74.13 |
| 20-Day Bollinger Upper Band | 78.78 |
| Beta | 0.35 |
| RSI | 60.15 |
| 50-Day SMA | 0.00 |
| 150-Day SMA | 0.00 |
| 200-Day SMA | 0.00 |
System |
|
| Modified | 6/22/2026 7:57:40 PM EST |