C&F Financial Corporation (CFFI) Stock Price & Analysis
C&F Financial Corporation (CFFI) closed at USD 107.33 on Friday, October 23, 2026, down 0.83% on the day. The US market is currently closed; this is not a live price.
The prior close was USD 107.33; the Oct 23, 2026 session ranged USD 105.82–107.58 on volume of 46,641 shares. Market capitalization is —, with a 52-week range of USD 66.48–108.5 (NMS). Source: Nexqual, retrieved October 24, 2026 at 04:25 UTC.
Also available as compact Markdown for AI agents: nexqual.com/CFFI.md
Key facts (CFFI)
- Last four reported quarters (through Jun 30, 2026): revenue $149M, net income $29.1M (19.5% margin) (SEC filings).
- Insider open-market sales, last ~7 months: 11 Form 4 filings, $721K; 11 not under a Rule 10b5-1 plan ($721K); 4 by opportunistic insiders (4 outside 10b5-1 plans), 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Total return with dividends: 1Y +59.6% vs S&P 500 +13.4%; 5Y +142.8% vs S&P 500 +76.9%.
- Next earnings: 2026-10-26, EPS estimate USD 2.46, revenue estimate $40.5M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (CFFI)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $135M | $123M | $127M | $127M | $141M | $149M |
| Net income | $28.7M | $29.2M | $23.6M | $19.8M | $26.8M | $29.1M |
| EPS (diluted) | $7.95 | $8.29 | $6.92 | $6.01 | $8.29 | — |
| Free cash flow | $153M | $87.2M | $37.4M | $33.3M | $22.2M | $38.6M |
| Net margin | 21.2% | 23.8% | 18.5% | 15.6% | 19.1% | 19.5% |
| Revenue growth | -2.1% | -9.3% | +3.8% | +0.0% | +10.6% | — |
| Cash + short-term investments | $268M | $26.7M | $75.2M | $65.6M | $79.1M | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (CFFI)
P/E at fiscal year-ends: Dec 2025 8.8x, Dec 2024 11.9x, Dec 2023 9.9x.
Insider sales (SEC Form 4, open-market, last ~7 months) (CFFI)
0 of 11 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-09-04 | Crone S Dustin | PRESIDENT & CEO C&F FINANCE | 900 | $85K | 9.7% | No | Too little history (no open-market trades in 2025) |
| 2026-09-04 | Dillon Larry G | EXECUTIVE CHAIRMAN | 1,000 | $95K | 2.9% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-08-20 | Dillon Larry G | EXECUTIVE CHAIRMAN | 1,000 | $86K | 2.9% | No | Too little history (no open-market trades in 2023–2025) |
| 2026-08-05 | Peay D Anthony | Director | 425 | $37K | 18.7% | No | Too little history (no open-market trades in 2023) |
| 2026-08-05 | Cherry Thomas F | PRESIDENT & CEO | 500 | $44K | 1.3% | No | Opportunistic (traded every year 2023–2025, no repeating month) |
| 2026-08-03 | Seaman John A Iii | EVP, CHIEF CREDIT OFFICER | 650 | $55K | 12.3% | No | Too little history (no open-market trades in 2025) |
| 2026-06-11…2026-06-12 | Cherry Thomas F | PRESIDENT & CEO | 171 | $13K | 0.4% | No | Opportunistic (traded every year 2023–2025, no repeating month) |
| 2026-06-08…2026-06-10 | Cherry Thomas F | PRESIDENT & CEO | 1,207 | $92K | 3% | No | Opportunistic (traded every year 2023–2025, no repeating month) |
| 2026-06-05 | Long Jason E | EVP, CHIEF FINANCIAL OFFICER | 1,360 | $103K | 11.9% | No | Too little history (no open-market trades in 2023 or 2025) |
| 2026-05-27 | Cherry Thomas F | PRESIDENT & CEO | 500 | $38K | 1.2% | No | Opportunistic (traded every year 2023–2025, no repeating month) |
| 2026-05-13 | Kelley Elizabeth R | Director | 1,025 | $75K | 20.3% | No | Too little history (no open-market trades in 2023–2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (CFFI)
Rating changes, last 120 days:
| Date | Firm | Action | Rating | Price target |
|---|---|---|---|---|
| 2026-09-29 | DA Davidson | Initiated | Buy | $115 |
Total return (dividends reinvested) (CFFI)
| 1Y (from 2025-10-24) | 5Y (from 2021-10-25) | |
|---|---|---|
| Total return | +59.6% | +142.8% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +59.8% | +19.4% |
| Volatility (annualized) | 33.3% | 32.4% |
| Max drawdown | -13.0% (Feb 2026→Mar 2026) | -47.3% (Dec 2023→Apr 2024) |
CFFI revenue by business segment (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Community Banking | $28.6M | 69.9% | +15.6% |
| Consumer Finance | $6.7M | 16.4% | +2.4% |
| Mortgage Banking | $5.1M | 12.4% | +9.4% |
| All Other Segments | $542,000 | 1.3% | +15.6% |
| Total revenue | $40.9M | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
CFFI suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Customer | C&F Mortgage | “Alternatively, during periods of low or falling interest rates, our customers may find opportunities to refinance shortly after obtaining a mortgage loan from C&F Mortgage, which may result in unexpected prepayments on loans that have been sold into the secondary market.” |
Quoted from the company's 10-K filed Mar 3, 2026.
CFFI company outlook (results filed Jul 23, 2026)
- “The allowance for credit losses as a percentage of total loans decreased to 1.06 percent at June 30, 2026 from 1.10 percent at December 31, 2025 due primarily to changes in the forecast of key credit loss model assumptions, which includes the forecast of the national unemployment rate derived from the Federal Open Market Committee of the Federal Reserve Board.”
Quoted word-for-word from the SEC 8-K results press release.
CFFI analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $2.46 | $0.00 | — | $40.5M | 1 |
| Next quarter (ends Dec 2026) | $2.48 | $0.00 | — | $41.7M | 1 |
| Current fiscal year (ends Dec 2026) | $9.42 | $0.00 | — | $158.8M | 1 |
| Next fiscal year (ends Dec 2027) | $9.99 | $0.00 | — | $173.8M | 1 |
Key Statistics (as of October 24, 2026 at 04:25 UTC)
| Price | USD 107.33 |
|---|---|
| Change | ▼ 0.83% (down) |
| Previous Close | USD 107.33 |
| Open | USD 107.33 |
| Day Range | USD 105.82 – 107.58 |
| 52-Week Range | USD 66.48 – 108.5 |
| Volume | 46,641 shares |
| Market Cap | — |
| Exchange | NMS |
Technical Analysis (CFFI)
Nexqual's technical model rates CFFI "BUY" based on 5 bullish and 1 bearish signals across 127 daily candles, as of October 24, 2026 at 04:25 UTC.
| Overall Signal | BUY |
|---|---|
| RSI (14) | 68.96 (neutral) |
| vs SMA50 | Above (USD 95.72) |
| MACD | 3.18 (positive) |
Earnings (CFFI)
| Next Earnings Date | 2026-10-26 |
|---|---|
| EPS Estimate | USD 2.46 |
| Revenue Estimate | $40.50M |
Source: Nexqual, October 24, 2026 at 04:25 UTC.
Financials & Fundamentals (CFFI)
| Total Revenue | $136.33M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +11.60% |
| Gross Margin | +0.00% |
| Operating Margin | +28.44% |
| Profit Margin | +21.34% |
| ROE | +11.27% |
| Total Cash | $66.19M |
| Total Debt | $120.60M |
Source: Nexqual, October 24, 2026 at 04:25 UTC.
Ownership (CFFI)
| Insider Ownership | +6.53% |
|---|---|
| Institutional Ownership | +41.83% |
| Shares Outstanding | 3.25M |
| Float | 3.03M |
| Short % of Float | +1.61% |
Source: Nexqual, October 24, 2026 at 04:25 UTC.
From C&F Financial Corporation's Latest SEC 10-K Filing (filed 2026-03-03)
Legal & Regulatory Risks (Item 1A, quoted)
- The current presidential administration and Congress also may cause broader economic changes due to changes in governing ideology and governing style, as well as changes to the size, scope and operations of the federal government.
- Increased scrutiny and evolving expectations from customers, regulators, investors, and other stakeholders with respect to environmental, social and governance (ESG) practices may impose additional costs on the Corporation or expose it to new or additional risks.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| CHMG | Chemung Financial Corp | USD 83.88 | ▲ 0.78% |
| CHCO | City Holding Company | USD 142.01 | ▼ 0.97% |
| CBAN | Colony Bankcorp, Inc. | USD 20.36 | ▲ 0.54% |
| NKSH | National Bankshares, Inc. | USD 40.48 | ▼ 11.03% |
| GSBC | Great Southern Bancorp, Inc. | USD 80.93 | ▲ 2.53% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 24, 2026 at 04:25 UTC. This page is informational and not investment advice.
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