C&F Financial Corporation
General ticker "CFFI" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $228.5M (TTM average)
C&F Financial Corporation follows the US Stock Market performance with the rate: 38.9%.
Estimated limits based on current volatility of 1.5%: low 90.91$, high 93.69$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-06-15, amount 0.48$ (Y2.10%)
- Total employees count: 575 (+5.5%) as of 2025
- Company does not operate outside US (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Goodwill impairment, Risk management failure, Technological obsolescence, Dividend dependency
- Earnings for 6 months up through Q2 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [60.38$, 84.09$]
- 2026-12-31 to 2027-12-31 estimated range: [57.73$, 81.92$]
Financial Metrics affecting the CFFI estimates:
- Negative: with PPE of 8.7 at the end of fiscal year the price was very high
- Positive: Operating profit margin, % of 23.48 > 18.77
- Positive: 6.77 < Operating cash flow per share per price, % of 10.50
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: Shareholder equity ratio, % of 9.45 <= 18.97
- Positive: Inventory ratio change, % of 0 <= 0
- Negative: Interest expense per share per price, % of 19.42 > 3.34
- Positive: -3.10 < Return on assets ratio (scaled to [-100,100]) of 0.97
- Positive: Industry operating profit margin (median), % of 24.03 > 9.99
Short-term CFFI quotes
Long-term CFFI plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $127.32MM | $127.31MM | $140.84MM |
| Operating Expenses | $98.16MM | $103.18MM | $107.77MM |
| Operating Income | $29.16MM | $24.13MM | $33.07MM |
| Interest Expense | $26.43MM | $42.82MM | $45.29MM |
| Income(Loss) | $29.16MM | $24.13MM | $33.07MM |
| Taxes | $5.42MM | $4.21MM | $6.08MM |
| Net Income(Loss)* | $23.60MM | $19.83MM | $26.84MM |
| Stockholders Equity | $216.88MM | $226.36MM | $261.75MM |
| Assets | $2,438.50MM | $2,563.37MM | $2,768.49MM |
| Operating Cash Flow | $38.81MM | $36.77MM | $24.49MM |
| Capital expenditure | $1.46MM | $3.49MM | $2.33MM |
| Investing Cash Flow | $-56.34MM | $-146.92MM | $-169.35MM |
| Financing Cash Flow | $66.03MM | $100.58MM | $158.41MM |
| Earnings Per Share** | $6.92 | $6.01 | $8.29 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.