C&F Financial Corporation (CFFI) AI Stock Analysis

C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank, established in 1927 and headquartered in West Point, Virginia. It provides financial products through three main divisions: Retail Banking, Mortgage Banking, and Consumer Finance. Retail Banking offers checking and savings accounts alongside business, real estate, mortgage, and installment loans through branches across Virginia. Mortgage Banking originates conventional, FHA, USDA, and VA residential mortgage loans across Virginia, Maryland, North Carolina, South Carolina, and West Virginia. Consumer Finance focuses on automobile loans managed from offices in Richmond and Hampton, Virginia.

Annual revenue expanded from $140.0M in FY2021 to $186.1M in FY2025, representing a 5-year compound annual growth rate of 4.7%. Net income was $28.7M in FY2021, fell to $19.8M in FY2024, and rebounded to $26.8M in FY2025, generating diluted earnings per share of $8.29. Gross margin contracted from 93.6% in FY2021 to 69.5% in FY2025, while operating margin went from 27.2% to 17.8% over the same timeframe. In the latest quarter ended June 30, 2026, quarterly revenue grew 11.6% year-over-year and quarterly earnings grew 10.9% year-over-year, supporting trailing twelve month revenue of $136.3M.

As of June 30, 2026, C&F Financial Corporation held $520.4M in cash and short-term investments against total debt of $118.2M, resulting in net cash of $402.2M. Total assets stood at $2.81B and shareholders' equity was $277.8M, producing a debt-to-equity ratio of 0.43 and a current ratio of 0.24. Free cash flow decreased to $22.2M in FY2025 from $35.0M in FY2024. Capital allocation in FY2025 included capital expenditures of $2.3M, dividends paid of $6.0M, and share buybacks of $943,000.

C&F Financial Corporation closed at $102.06 on October 16, 2026, trading at a trailing price-to-earnings multiple of 11.4x compared to 12.1x for the median of its US-listed Financial Services peers. Its forward price-to-earnings ratio is 5.7x, below the peer group median of 10.8x. The stock trades at a price-to-sales ratio of 2.4x and a price-to-book ratio of 1.1x, relative to a peer median price-to-sales ratio of 3.2x. Over the past year, CFFI gained 56.1% compared to a 16.8% return for the S&P 500, and returned 130.7% over 5 years versus 83.0% for the index.

C&F Financial Corporation pays an annual forward dividend of $1.92 per share, which yields 1.89%. The company distributes dividends on a quarterly frequency and has paid consecutive dividends for 29 years. Over the last five years, the dividend grew at an annualized rate of 3.9%, supported by a payout ratio of 21.8%. Its last ex-dividend date was September 15, 2026.

Wall Street coverage consists of 1 Strong Buy rating, with 0 Buy, 0 Hold, 0 Sell, and 0 Strong Sell ratings. The mean price target is $115.00, representing an upside of 12.7% from the last close of $102.06. For the current fiscal year ending December 31, 2026, the consensus estimate projects revenue of $158.8M and earnings per share of $9.65. The next earnings release date is October 22, 2026.

This page is an AI-written research summary of C&F Financial Corporation (CFFI). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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