CFFI
C&F Financial Corporation
CFFI's fundamentals are mixed, but it looks expensive: trading at 11x earnings, above its usual 7.3x.
CFFI Fundamentals
| Metric | Status |
|---|---|
| Stable | |
| Strong | |
| N/A | |
| N/A |
CFFI's profitability is currently strong, and its revenue is stable. Free cash flow and net leverage aren't meaningful measures for financial services companies like CFFI.
CFFI PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 6.3x | $58.98 | -44% |
| Fair | 7.3x | $68.48 | -35% |
| Expensive | 9.8x | $91.59 | -13% |
| Current | 11x | $106 | — |
Historical ranges are pointers, not guarantees.
CFFI's PE is in its expensive range at 11x.
CFFI Forward outlook
There aren't enough analyst estimates for CFFI to show an outlook.
CFFI Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Q3 2026 | $9.34 | +16% |
| Q2 2026 | $8.97 | +19% |
| Q1 2026 | $8.71 | +31% |
| Q4 2025 | $8.29 | +38% |
| Q3 2025 | $8.06 | +42% |
| Q2 2025 | $7.53 | +31% |
| Q1 2025 | $6.66 | +9.7% |
| Q4 2024 | $6.01 | -13% |
CFFI earned $9.34 per share over the past year, up 16% from the year before.
CFFI Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $38.2M | +6.1% |
| Q2 2026 | $40.9M | +12% |
| Q1 2026 | $36.3M | +11% |
| Q4 2025 | $35.9M | +12% |
| Q3 2025 | $36M | +7.6% |
| Q2 2025 | $36.4M | +17% |
| Q1 2025 | $32.6M | +6.3% |
| Q4 2024 | $32.1M | -0.9% |
CFFI's revenue has grown year over year for seven quarters in a row: $38M last quarter, up 6.1% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 27% | +2.1 points |
| Q2 2026 | 27% | +0.1 points |
| Q1 2026 | 23% | +3 points |
| Q4 2025 | 23% | 0 points |
| Q3 2025 | 25% | +4.6 points |
| Q2 2025 | 26% | +6.5 points |
| Q1 2025 | 20% | +7 points |
| Q4 2024 | 23% | +3.4 points |
CFFI's operating margin was 27% last quarter, up 2.1 points from the same quarter a year ago.
CFFI Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $26.3M | +16% |
| Q2 2026 | $22.3M | +$27.2M |
| Q1 2026 | -$7.9M | -368% |
| Q4 2025 | $1.5M | -96% |
| Q3 2025 | $22.7M | +$24.3M |
| Q2 2025 | -$5M | -529% |
| Q1 2025 | $2.9M | +618% |
| Q4 2024 | $35.1M | +112% |
CFFI's free cash flow was $42M over the past year, down 24% from the year before. Free cash flow isn't a meaningful measure for financial services companies like CFFI.
CFFI Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | 0% | -745 shares |
| 1 year | +0.4% | +13.4K shares |
| 3 years | -4.1% | -140K shares |
| 5 years | -8.4% | -299K shares |
| Available history | -5.8% | -199K shares |
CFFI has 3M diluted shares, about the same as a year ago.
| Quarter | Spent |
|---|---|
| Q3 2026 | $14,000 |
| Q2 2026 | $367,000 |
| Q1 2026 | $614,000 |
| Q4 2025 | $507,000 |
| Q3 2025 | — |
| Q2 2025 | $10,000 |
| Q1 2025 | $426,000 |
| Q4 2024 | $969,000 |
CFFI spent $2M buying back its own shares over the past year, up 6.9% from the year before.
CFFI Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 2.2x | Moderate |
| Q2 2026 | 1.6x | Healthy |
| Q1 2026 | 0.1x | Very low |
| Q4 2025 | 1.8x | Healthy |
| Q3 2025 | 0.1x | Very low |
| Q2 2025 | 0.7x | Very low |
| Q1 2025 | 0.7x | Very low |
| Q4 2024 | 2.6x | Moderate |
CFFI's net debt is about 2.2 years of its operating earnings (EBITDA), up from less than a year a year ago. Net leverage isn't a meaningful measure for financial services companies like CFFI.
CFFI Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 70.7 | Overbought |
| Stochastic | 77.1 | Neutral |
CFFI's weekly RSI is 71 (overbought) and its Stochastic is 77 (neutral).
CFFI PE vs Financial Services Sector
| Metric | CFFI | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 13% below |
| PE % | 93 | 63 | 30 pts above |
CFFI is trading at 11x earnings, a 13% discount to the Financial Services sector's median of 13x.
CFFI Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $102.9 | 2.8% above |
| 20 week MA | $93.2 | 14% above |
| 50 week MA | $81.8 | 29% above |
| 100 week MA | $75.3 | 40% above |
| 200 week MA | $65.4 | 62% above |
CFFI is in an uptrend: it's above all five of its weekly moving averages, and 62% above its 200-week average.
CFFI Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $55.8 | $37.2 | -33% |
| 2021 | $37.2 | $52.1 | +40% |
| 2022 | $52.1 | $58.0 | +11% |
| 2023 | $58.0 | $68.2 | +18% |
| 2024 | $68.2 | $72.2 | +5.9% |
| 2025 | $72.2 | $71.2 | -1.4% |
| 2026 YTD | $71.2 | $105.8 | +49% |
CFFI has finished higher in four of the last six years. It's up 49% so far in 2026.