C&F Financial Corporation
General ticker "CFFI" information:
- Sector: Financials
- Industry: Banks
- Capitalization: $225.3M (TTM average)
C&F Financial Corporation follows the US Stock Market performance with the rate: 30.0%.
Estimated limits based on current volatility of 0.7%: low 68.31$, high 69.22$
Factors to consider:
- Company pays dividends (quarterly): last record date 2025-09-15, amount 0.46$ (Y2.69%)
- 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 9 months up through Q3 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 2024-12-31 to 2026-12-31
- 2024-12-31 to 2025-12-31 estimated range: [64.57$, 88.84$]
- 2025-12-31 to 2026-12-31 estimated range: [62.29$, 87.91$]
Financial Metrics affecting the CFFI estimates:
- Negative: with PPE of 11.9 at the end of fiscal year the price was very high
- Positive: 7.86 < Operating profit margin, % of 14.49
- Positive: Operating cash flow per share per price, % of 16.19 > 13.24
- Positive: Industry operating cash flow per share per price (median), % of 10.66 > 10.33
- Positive: -2.95 < Return on assets ratio (scaled to [-100,100]) of 0.77
- Positive: Industry operating profit margin (median), % of 19.98 > 9.92
- Negative: Shareholder equity ratio, % of 8.83 <= 18.93
- Positive: Industry inventory ratio change (median), % of 0 <= 0
Short-term CFFI quotes
Long-term CFFI plot with estimates
Financial data
| YTD | 2022-12-31 | 2023-12-31 | 2024-12-31 |
|---|---|---|---|
| Operating Revenue | $123.45MM | $149.76MM | $166.51MM |
| Operating Expenses | $86.49MM | $120.59MM | $142.38MM |
| Operating Income | $36.96MM | $29.16MM | $24.13MM |
| Interest Expense | $7.89MM | $26.43MM | $42.82MM |
| Income(Loss) | $36.96MM | $29.16MM | $24.13MM |
| Taxes | $7.59MM | $5.42MM | $4.21MM |
| Profit(Loss)* | $29.16MM | $23.60MM | $19.83MM |
| Stockholders Equity | $195.63MM | $216.88MM | $226.36MM |
| Assets | $2,332.32MM | $2,438.50MM | $2,563.37MM |
| Operating Cash Flow | $90.56MM | $38.81MM | $38.49MM |
| Capital expenditure | $3.39MM | $1.46MM | $3.49MM |
| Investing Cash Flow | $-411.28MM | $-56.34MM | $-148.64MM |
| Financing Cash Flow | $79.64MM | $66.03MM | $100.58MM |
| Earnings Per Share** | $8.29 | $6.92 | $6.01 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.