CFFI
C&F Financial Corporation
CFFI trails on the overall score without a compensating advantage in the available component scores.
GS
The Goldman Sachs Group, Inc.
GS has the edge over CFFI overall, supported by stronger valuation and stronger modeled upside.
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.
GS Fundamentals
| Metric | Status |
|---|---|
| Strong | |
| Strong | |
| N/A | |
| N/A |
GS's revenue and profitability are currently strong. Free cash flow and net leverage aren't meaningful measures for financial services companies like GS.
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 has the edge over GS in the historical PE scenario, which offers more potential upside but is not a forecast.
GS PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Cheap | 7.6x | $528 | -42% |
| Current | 13x | $914 | — |
| Forward | 13x | $914 | — |
| Fair | 14x | $940 | +2.9% |
| Expensive | 17x | $1,214 | +33% |
Historical ranges are pointers, not guarantees.
GS's PE is 13x, but its earnings don't support one, so it isn't a reliable read right now.
CFFI Forward outlook
There aren't enough analyst estimates for CFFI to show an outlook.
GS Forward outlook
| Metric | Outlook |
|---|---|
| Stable | |
| Strong growth | |
| Growth | |
| Strongly improving | |
| Limited | |
| Low |
Analysts expect earnings and revenue growth for GS, with profitability improving. However, they disagree widely on these estimates.
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.
GS Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $72.35 | +4% |
| Q3 2026 | $69.58 | +41% |
| Q2 2026 | $64.82 | +43% |
| Q1 2026 | $54.75 | +27% |
| Q4 2025 | $51.32 | +27% |
| Q3 2025 | $49.22 | +44% |
| Q2 2025 | $45.37 | +45% |
| Q1 2025 | $43.08 | +68% |
| Q4 2024 | $40.54 | +77% |
GS has the edge over CFFI on earnings, with more consistent year-over-year improvement.
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.
GS Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $18.7B | +23% |
| Q2 2026 | $20.3B | +39% |
| Q1 2026 | $17.2B | +14% |
| Q4 2025 | $13.5B | -3% |
| Q3 2025 | $15.2B | +20% |
| Q2 2025 | $14.6B | +15% |
| Q1 2025 | $15.1B | +6% |
| Q4 2024 | $13.9B | +23% |
GS has the edge over CFFI on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 37% | +2 points |
| Q2 2026 | 42% | +8.1 points |
| Q1 2026 | 38% | +0.2 points |
| Q4 2025 | 44% | +5.6 points |
| Q3 2025 | 36% | +4.1 points |
| Q2 2025 | 34% | +3.2 points |
| Q1 2025 | 37% | +0.6 points |
| Q4 2024 | 38% | +18 points |
GS has the edge over CFFI on profitability, with a higher operating margin.
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 has the edge over GS on cash generation, producing positive trailing cash flow while its opponent burns cash.
GS Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $3.7B | +72% |
| Q2 2026 | $5.6B | +7.8% |
| Q1 2026 | -$32.4B | +$5.3B |
| Q4 2025 | -$16.8B | -136% |
| Q3 2025 | $2.1B | +$40.6B |
| Q2 2025 | $5.2B | -6.8% |
| Q1 2025 | -$37.7B | -$9.2B |
| Q4 2024 | $46.2B | +$75.1B |
GS's free cash flow was −$40B over the past year, against $15.8B the year before. Free cash flow isn't a meaningful measure for financial services companies like GS.
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.
GS Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -1.2% | -3.8M shares |
| 1 year | -4.4% | -13.9M shares |
| 3 years | -12% | -42.8M shares |
| 5 years | -15% | -52.8M shares |
| Available history | -20% | -74.4M shares |
GS has the edge over CFFI on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $3B |
| Q2 2026 | $4B |
| Q1 2026 | $5B |
| Q4 2025 | $3B |
| Q3 2025 | $2B |
| Q2 2025 | $3B |
| Q1 2025 | $4.4B |
| Q4 2024 | $2B |
GS spent $15B buying back its own shares over the past year, up 32% 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.
GS Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -5.4x | Net Cash |
| Q2 2026 | -6.1x | Net Cash |
| Q1 2026 | -6.7x | Net Cash |
| Q4 2025 | -6.4x | Net Cash |
| Q3 2025 | -3.5x | Net Cash |
| Q2 2025 | -3.1x | Net Cash |
| Q1 2025 | -3.9x | Net Cash |
| Q4 2024 | -4.7x | Net Cash |
GS has the edge over CFFI on leverage, with a lower net debt burden relative to earnings.
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).
GS Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 44.5 | Neutral |
| Stochastic | 16.3 | Oversold |
GS's weekly RSI is 45 (neutral) and its Stochastic is 16 (oversold).
CFFI PE vs Financial Services Sector
| Metric | CFFI | Sector median | Relative |
|---|---|---|---|
| PE | 11x | 13x | 13% below |
| PE % | 93 | 63 | 30 pts above |
CFFI has the edge over GS on valuation relative to its sector.
GS PE vs Financial Services Sector
| Metric | GS | Sector median | Relative |
|---|---|---|---|
| PE | 13x | 13x | 0.8% above |
| PE % | 46 | 63 | 17 pts below |
GS is trading at 13x earnings, in line with the Financial Services sector's median of 13x, though its earnings don't support one.
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 has the edge over GS on trend strength, trading above more of its moving averages.
GS Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $895.5 | 2% above |
| 20 week MA | $977.4 | 6.5% below |
| 50 week MA | $945.4 | 3.4% below |
| 100 week MA | $804.5 | 14% above |
| 200 week MA | $602.7 | 52% above |
GS's trend is mixed: it's above three of its five weekly moving averages, and 52% 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 the edge over GS on returns for 2026, with the stronger performance.
GS Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $230.7 | $256.2 | +11% |
| 2021 | $256.2 | $385.0 | +50% |
| 2022 | $385.0 | $345.5 | -10% |
| 2023 | $345.5 | $385.8 | +12% |
| 2024 | $385.8 | $576.2 | +49% |
| 2025 | $576.2 | $907.0 | +57% |
| 2026 YTD | $907.0 | $913.6 | +0.7% |
GS has finished higher in five of the last six years, two of them by more than 50%. It's up 0.7% so far in 2026.