CFFI Financial Services

C&F Financial Corporation

$110.98-0.22%

Price as of close on Nov 3, 2026 · Financials updated Nov 3, 2026

Basics

Sector: Financial Services
Industry: Banks - Regional
Country: United States
Market cap: 360.8M USD
Full-time employees: 575

Overall health

About average: profitability, growth and valuation

Ranks #437 of 791 banks & insurance companies (bottom 45%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Worth knowing

Share count shrinking. Shares outstanding down 6.5% from December 2022 to August 2026.
C&F Financial had 6.5% fewer shares at August 2026 than at December 2022, mainly through buybacks, so each remaining share owns a larger slice of the business.

StockQuotient Score

49/ 100▼ 1 since Oct 27 close

Oct 5 54 → Nov 4 49 (-5)

Valuation

Is the price right?

51/100

Moderate▼ 2 since Oct 27 close

2/2 inputs reported · High confidence

Since last quarter: No major changeValuation also moves with the share price every day.

Why it changed since the Oct 27, 2026 close: Score 53 → 51

Share price +2.2%-3
Company's reported figures updated+2
Peer companies moved-1

Each step re-scores the company against its peers as they were on Oct 28, 2026; the parts add up to the change. Price effects on EBITDA yield are approximate.

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Earnings yield (P/E) and book yield (P/B) versus other banks and insurers.

Book yield78.0%

SEC filings · latest balance sheetReported value40% base weight · Z-score -0.05Sector median: 0.7950 · MAD: 0.2843

Earnings yield8.2%

SEC filings · 12 months to Jun 2026Reported value60% base weight · Z-score 0.11Sector median: 0.0789 · MAD: 0.0253

Other data (not scored)

EBITDA yieldUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1095 · MAD: 0.0527

Free cash flow yield10.8%

SEC filings · 12 months to Jun 2026 · operating cash flow − capital spendingReported valueInformational · 0% composite weightSector median: 0.0796 · MAD: 0.0459

Growth

Is it growing?

54/100

Moderate

1/1 inputs reported · High confidence

Since last quarter: ▲ Stronger

12-month revenue up 3.1%

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Earnings-per-share growth versus other banks and insurers.

Earnings per share growth18.3%

SEC filings · 12 months to Jun 2026Reported value100% base weight · Z-score 0.13Sector median: 0.1599 · MAD: 0.1775

Other data (not scored)

3-year revenue growth4.1%

SEC filings · 3 years to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0826 · MAD: 0.0558

Revenue growth10.8%

SEC filings · 12 months to Jun 2026Reported valueInformational · 0% composite weightSector median: 0.0866 · MAD: 0.0782

Profitability

Does it earn well?

43/100

Moderate

2/2 inputs reported · High confidence

Since last quarter: No major change

Why

Close to the peer norm on every measure.

Compare with peers

Behind the score

Return on equity and return on assets versus other banks and insurers.

Return on assets1.0%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.22Sector median: 0.0117 · MAD: 0.0062

Return on equity10.5%

SEC filings · 12 months to Jun 2026Reported value50% base weight · Z-score -0.07Sector median: 0.1074 · MAD: 0.0388

Other data (not scored)

Gross marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Operating marginUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: 0.1450 · MAD: 0.1678

Return on invested capitalUnavailable

Missing · left out of the scoreInformational · 0% composite weightSector median: Unavailable · MAD: Unavailable

Risk

Debt, liquidity, price swings

Not rated

Not rated for banks and insurers: debt and share-price swings say little about their risk. We leave it blank rather than fill the gap with a made-up middle value.

Valuation, growth and profitability scores: higher is better. Risk: 0 is lower, 2 is higher. Risk is a relative proxy, not a bankruptcy probability. Scores depend on available sector peers.

Questions investors ask about C&F Financial

Is C&F Financial getting weaker?: Its latest SEC filing (Aug 10, 2026) showed no major changes. Its overall score is 49/100, down 1 since Oct 28, 2026.
How is C&F Financial valued vs its peers?: Priced about in line with its peers. Valuation scores 51/100 against 950 banks & insurance peers.
Is C&F Financial growing?: At about the same pace as its peers. Growth scores 54/100 against 950 banks & insurance peers.
How profitable is C&F Financial?: About as profitable as its peers. Profitability scores 43/100 against 950 banks & insurance peers.
How risky is C&F Financial?: Not rated for banks and insurers: debt and share-price swings say little about their risk.

Latest filing: what changed

Quarter ended Jun 30, 2026 · filed Aug 10, 2026 · compared with the quarter ended Mar 31, 2026

No major changes

	Previous quarter	Latest quarter	Change
Revenue (12 months)	144.5M USD	149.0M USD	+3.1%
Net income (12 months)	28.2M USD	29.1M USD	+3.1%
Free cash flow (12 months)	11.3M USD	38.6M USD	+240.6%
Cash	77.4M USD	62.1M USD	−19.8%
Shares outstanding	3.3M	3.3M	−0.1%

From the company’s own SEC filings, as filed. Twelve-month figures roll forward one quarter at a time.

Industry valuation context

Industry: Banks - Regional · 119 companies

Valuations in Banks - Regional are within their usual range since 2016.

45% of months since 2016 were valued lower than now.
14% of companies are in the most expensive fifth of their own price-to-book history.
Over 24 months, company values +29% and earnings +32% (medians): prices and earnings moved broadly together.
Median price-to-book is −61% vs the whole market, against a usual −59%.

2016Shaded: most expensive fifth of its range2026

Financials

Fiscal years from SEC annual filings · change vs the prior year

Key ratios	FY 2021	FY 2022	FY 2023	FY 2024	FY 2025	Change
Net margin	21.2%	23.8%	18.5%	15.6%	19.1%	▲ 3.5 pts
Return on assets (ROA)	1.3%	1.3%	1.0%	0.8%	1.0%	▲ 0.2 pts
Return on equity (ROE)	13.6%	14.9%	10.9%	8.8%	10.3%	▲ 1.5 pts
Debt to equity	0.17×	0.19×	0.27×	0.13×	0.08×	▼ 40%

CFFI price history

Price history is added with the daily price update and will appear after the next one.

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Bringing the fundamentals into focus…

Overall health

About average: profitability, growth and valuation

Ranks #437 of 791 banks & insurance companies (bottom 45%)

Based on 3 categories: banks and insurers are not rated on risk.

Scored as a bank or insurer: cash-flow, EBITDA, gross margin and current ratio aren’t scored; they are under “Other data”.

See how it ranks against its peers

Questions investors ask about C&F Financial

Is C&F Financial getting weaker?

Its latest SEC filing (Aug 10, 2026) showed no major changes. Its overall score is 49/100, down 1 since Oct 28, 2026.

How is C&F Financial valued vs its peers?

Priced about in line with its peers. Valuation scores 51/100 against 950 banks & insurance peers.

Is C&F Financial growing?

At about the same pace as its peers. Growth scores 54/100 against 950 banks & insurance peers.

How profitable is C&F Financial?

About as profitable as its peers. Profitability scores 43/100 against 950 banks & insurance peers.

How risky is C&F Financial?

Not rated for banks and insurers: debt and share-price swings say little about their risk.

Previous quarter

Latest quarter

Change

Revenue (12 months)

144.5M USD

149.0M USD

+3.1%

Net income (12 months)

28.2M USD

29.1M USD

+3.1%

Free cash flow (12 months)

11.3M USD

38.6M USD

+240.6%

Cash

77.4M USD

62.1M USD

−19.8%

Shares outstanding

3.3M

3.3M

−0.1%

Key ratios

FY 2021

FY 2022

FY 2023

FY 2024

FY 2025

Change

Net margin

21.2%

23.8%

18.5%

15.6%

19.1%

▲ 3.5 pts

Return on assets (ROA)

1.3%

1.0%

0.8%

1.0%

▲ 0.2 pts

Return on equity (ROE)

13.6%

14.9%

10.9%

8.8%

10.3%

▲ 1.5 pts

Debt to equity

0.17×

0.19×

0.27×

0.13×

0.08×

▼ 40%