C&F Financial Corporation
General ticker "CFFI" information:
- Sector: Financials
- Industry: Banks - Regional
- Capitalization: $223.5M (TTM average)
C&F Financial Corporation follows the US Stock Market performance with the rate: 47.4%.
Estimated limits based on current volatility of 1.0%: low 71.85$, high 73.27$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-03-13, amount 0.48$ (Y2.73%)
- Total employees count: 545 (-8.2%) as of 2024
- Company does not operate outside North America (retrieved using AI)
- Top business risk factors: Economic downturns and volatility, Goodwill impairment, Risk management failure, Technological obsolescence, Dividend dependency
- Price in estimated range
- Earnings for 3 months up through Q1 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: [61.82$, 85.92$]
- 2026-12-31 to 2027-12-31 estimated range: [58.85$, 83.51$]
Financial Metrics affecting the CFFI estimates:
- Negative: with PPE of 8.9 at the end of fiscal year the price was very high
- Positive: 6.59 < Operating cash flow per share per price, % of 10.31
- Positive: 7.54 < Operating profit margin, % of 17.77
- Positive: -3.75 < Return on assets ratio (scaled to [-100,100]) of 0.97
- Positive: Industry earnings per price (median), % of 7.25 > 4.45
- Positive: Industry inventory ratio change (median), % of 0 <= 0
- Positive: Industry operating cash flow per share per price (median), % of 10.80 > 10.39
- Negative: Interest expense per share per price, % of 19.07 > 3.31
Short-term CFFI quotes
Long-term CFFI plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $149.76MM | $166.51MM | $186.13MM |
| Operating Expenses | $120.59MM | $142.38MM | $153.06MM |
| 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.