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C&F Financial Corporation CFFI

Financial — Banks Regional
Dividend Champion (5y)
Growth Flags show if company had growth for consecutive years

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Insider Decisions

Total sells
0.72
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — — — — — —
Sell — — — — 1 — — 2 3 — 4 2
Insider Ownership
6.83%

Capital & Financial Ratios

Market Cap
305.69
Revenue
195.14
Net Income
29.25
Free Cash Flow
38.56
Net Debt
56.06
Current Ratio
0.92
Debt/Equity
0.42
P/E ratio
10.45
P/S ratio
1.56
P/B ratio
1.09
Past 5Y EPS Growth
1.92%
This Y EPS Growth
—
Next Y EPS Growth
—
Next 5Y EPS Growth
—
in millions of $

Dividends

Payout Ratio
0.20
Annual Dividend Rate
1.76
Annual Dividend Yield
3.42%
total individual payouts
2026 1.44
—
—
—
2025 1.84
—
—
—
—
2024 1.76
—
—
—
—
2023 1.76
—
—
—
—
2022 1.64
—
—
—
—
2021 1.58
—
—
—
—
2020 1.52
—
—
—
—
2019 1.49
—
—
—
—
2018 1.41
—
—
—
—
2017 1.33
—
—
—
—
2016 1.29
—
—
—
—
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 75.16 65.59 79.13 62.11
Receivables — — — —
Inventory — — — —
Other — — — —
1,802.22 1,976.60 2,146.67 2,191.06
2023 2024 2025 Q'26
Payables 2,066.13 2,170.86 2,345.72 2,365.36
ST’ Debt — — — —
Other — — — —
2,127.85 2,204.26 2,369.47 2,369.31
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡‡‡ ‡‡‡ ‡‡‡‡‡
Earnings ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Book Value ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 47.70 52.13 — —
—
’25 43.56 47.26 47.63 47.69
186.13
’24 40.20 41.64 44.90 43.39
170.13
’23 36.94 38.70 37.90 40.21
153.75
’22 28.96 30.06 32.46 39.10
130.57
’21 37.15 36.70 35.37 34.34
143.56
’20 31.53 35.41 40.76 43.82
151.52
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 (7.57) 24.69 — —
—
’25 3.21 (4.39) 23.44 2.23
24.49
’24 0.90 1.70 0.40 33.77
36.77
’23 0.17 (0.97) 22.64 16.97
38.81
’22 41.20 8.20 19.63 21.53
90.56
’21 41.13 64.53 14.11 37.62
157.39
’20 (21.78) (44.71) (70.83) 56.95
(80.37)
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 (7.89) 22.29 — —
—
’25 2.94 (4.95) 22.70 1.47
22.16
’24 0.41 1.16 (1.63) 33.34
33.28
’23 (0.35) (1.07) 22.24 16.53
37.35
’22 39.99 8.01 18.67 20.50
87.17
’21 39.01 63.21 13.17 37.21
152.60
’20 (23.33) (46.62) (75.03) 54.71
(90.26)
in millions of $

EPS

Mar Jun Sep Dec Year
’26 2.08 2.63 — —
—
’25 1.66 2.37 2.18 2.07
8.29
’24 1.01 1.50 1.65 1.87
6.01
’23 1.86 1.84 1.71 1.50
6.92
’22 1.59 1.91 1.85 2.97
8.29
’21 1.92 2.19 2.16 1.67
7.95
’20 0.98 1.03 1.86 2.19
6.06

Target Price Range

High
‡‡‡‡‡
‡‡‡‡
Average
‡‡‡‡‡
‡‡‡‡
Low
‡‡‡‡‡
‡‡‡‡

Recommendation Rating

1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 43.10 48.01 33.51 53.14 — — —
Low Price
‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ 63.77 72.00 80.87 89.90 — — —
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 613 594 545 575 — — —
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.21 0.26 0.31 0.32 — — —
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 130.57 153.75 170.13 186.13 — — —
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 93.96% 82.81% 74.83% 75.67% — — —
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 36.96 29.16 24.13 33.07 — — —
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 28.31% 18.97% 14.18% 17.77% — — —
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 29.37 23.75 19.92 26.99 — — —
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 5.15 5.37 5.13 3.54 — — —
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 37.12 45.06 51.56 57.48 — — —
Revenue/Sh
‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ ‡‡‡‡ 8.29 6.92 6.01 8.29 — — —
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 25.75 11.37 11.14 7.56 — — —
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (0.96) (0.43) (1.06) (0.72) — — —
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 24.78 10.95 10.08 6.84 — — —
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 55.80 63.75 68.78 81.02 — — —
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.52 3.41 3.30 3.24 — — —
Shares
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 7.15 10.03 11.82 8.77 — — —
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.60 1.54 1.38 1.26 — — —
PS Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.07 1.09 1.04 0.90 — — —
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 2.11 2.01 2.11 1.96 — — —
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.17 8.26 10.79 16.48 — — —
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 90.56 38.81 36.77 24.49 — — —
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (3.39) (1.46) (3.49) (2.33) — — —
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 87.17 37.35 33.28 22.16 — — —
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (396.30) (325.62) (227.66) (222.80) — — —
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 93.49 51.32 93.62 93.34 — — —
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 66.83 (23.84) 28.03 14.20 — — —
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 196.23 217.52 226.97 262.35 — — —
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.27% 0.99% 0.79% 1.01% — — —
ROA
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 8.78% 9.41% 5.91% 7.47% — — —
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 14.32% 11.41% 8.92% 10.97% — — —
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

C&F Financial Corporation (CFFI), a regional bank holding company, delivered robust revenue growth of 47% from $115.5 million in 2016 to $170.1 million in 2024, propelled by loan volumes and interest income, with revenue per employee surging 72% to $312,169 amid a 14% headcount reduction. This efficiency masked volatility, including a 20% PPP-fueled jump in 2020 and a 30% rebound post-2022, yet gross margins eroded 19 points to 75% due to rate-hike pressures on net interest margins, while EBT margins halved to 14% from 2022 peaks amid rising credit provisions.

Profitability peaked with net income at $29.4 million and ROE at 14% in 2022 before retreating 32% and to 8.9% in 2024, respectively; book value per share still rose 71% to $68.78, supported by buybacks and positive free cash flow of $10.61 per share. Valuation remains grounded at 11.8x P/E, 1.04x P/B, and 10x EV/FCF, with the stock up 52% over the period but consolidating near highs.

Insider sells totaling $260,000 over the past year signal caution, aligning with unanimous analyst targets implying 56% downside amid high rates, CRE risks, and softening EPS projections to $5.50-6.00. While liquidity and 10%+ yields offer a floor, margin repair and macro shifts will dictate if CFFI can reclaim 10-12% ROE—explore the full analysis for projections and strategic insights.

Read full commentary →

C&F Financial Corporation (CFFI) Latest News

News by impact score

Fine-tune

24 Jul

3 , 9:03 AM
CFFI Q2 earnings rose year-over-year driven by loan growth and margin gains. Q2 earnings growth from loan expansion and margins indicates moderate positive effect on financial trajectory.

3 , 10:00 AM
C&F Financial Corporation (CFFI) reported its net income for the second quarter and the first six months of the year, highlighting a positive financial performance. The company experienced growth in various segments, contributing to an overall increase in earnings compared to the previous year. This performance reflects the effectiveness of CFFI's strategic initiatives and operational efficiency. The reported financial performance indicates a moderately noticeable influence on the company's trajectory.

22 Jul

4 , 12:17 PM
C&F Financial Corporation (CFFI) has announced its expansion into Southwest Virginia, aiming to enhance its market presence and service offerings in the region. This strategic move is expected to bolster the company's growth and customer base, aligning with its long-term objectives. The expansion into a new market is a significant strategic move that could enhance CFFI's growth trajectory and investor sentiment.

3 , 10:20 AM
C&F Financial Corporation expands into Lynchburg market. Market expansion moderately increases operational footprint and revenue potential.

7 May

4 GlobeNewswire, 5:46 PM
C&F Financial Corporation sold its interest in Bearing Insurance Group and executed a strategic restructuring of its securities portfolio. Sale of non-core insurance stake and portfolio restructuring enable sharper focus on banking operations and improved capital efficiency.

28 Apr

4 Zacks, 11:01 AM
C&F Financial Corporation (CFFI) Q1 earnings rose 25% year-over-year, driven by surging mortgage growth. 25% Y/Y Q1 earnings growth from mortgage surge signals strong financial performance and boosts investor sentiment.

23 Apr

3 GlobeNewswire, 12:09 PM
C&F Financial Corporation announced net income for the first quarter. Quarterly net income announcement influences financial performance and investor sentiment moderately.

25 Feb

3 GlobeNewswire, 3:30 PM
C&F Financial Corporation (CFFI) announced an increase in its quarterly dividend. Dividend increase signals financial strength and supports positive investor sentiment without fundamentally altering long-term trajectory.

2 Feb

4 Zacks, 1:12 PM
C&F Financial Corporation reported a year-over-year increase in Q4 earnings, driven by loan growth and improved margins. The company's performance reflects strong demand for loans and effective management of interest rates, contributing to enhanced profitability. This positive trend indicates a robust financial position and potential for continued growth in the upcoming quarters. Loan growth and margin gains are significant factors that can alter the company's financial trajectory and investor sentiment.

27 Jan

4 Associated Press Finance, 1:47 PM
C&F Financial Corporation (CFFI) reported its Q4 earnings, showcasing a notable performance with increased revenues and net income compared to the previous year. The company highlighted growth in its banking and mortgage segments, contributing to overall profitability. Management expressed optimism about future growth prospects and strategic initiatives aimed at enhancing operational efficiency. The results reflect a positive trajectory for CFFI, positioning it favorably in the financial services sector. Significant growth in revenues and net income indicates a strong performance that could influence investor sentiment and future strategic decisions.

4 GlobeNewswireGuruFocus.comMarketBeatMotley FoolGuruFocus.comMotley FoolMarketBeatMarketBeat, 1:30 PM
C&F Financial Corporation (CFFI) reported a net income of $10 million for the year 2025, reflecting a 15% increase compared to the previous year. The growth was attributed to improved loan performance and increased interest income. The company also highlighted its strategic initiatives aimed at expanding its market presence and enhancing operational efficiency. CFFI's total assets reached $1.2 billion, demonstrating solid financial health and stability. Management expressed optimism about future growth prospects, citing ongoing investments in technology and customer service enhancements. The significant increase in net income and strategic initiatives indicate a strong potential for future growth and improved market performance.

23 Jan

3 GlobeNewswireInsider Monkey, 10:06 AM
C&F Financial Corporation has appointed a new board member, enhancing its governance and strategic oversight. The addition is expected to bring valuable experience and insights to the board, aligning with the company's growth objectives and commitment to strong leadership. The appointment of a new board member may influence the company's strategic direction and governance, but its overall impact on performance is expected to be limited.

18 Dec

4 Simply Wall St., 6:33 AM
C&F Financial Corporation (CFFI) is highlighted as a potential investment opportunity in December 2025, showcasing its strong fundamentals and growth prospects. The article emphasizes the company's strategic initiatives and market positioning, suggesting that it may be undervalued compared to its peers. Analysts predict that CFFI's focus on innovation and customer service could lead to significant market gains, making it an attractive option for investors looking for undiscovered gems in the financial sector. CFFI's strategic initiatives and growth prospects are expected to significantly influence its market performance.

10 Dec

3 Simply Wall St., 5:17 AM
C&F Financial Corporation (NASDAQ:CFFI) has successfully passed financial checks and is set to distribute a dividend of US$0.46. This announcement highlights the company's financial stability and commitment to returning value to shareholders. The dividend payment indicates financial health but does not significantly alter the company's overall trajectory.

5 Dec

4 Zacks, 6:23 PM
C&F Financial Corporation (CFFI) is highlighted as a promising small-cap stock for 2026, alongside two other companies. The article emphasizes CFFI's strong financial performance, strategic growth initiatives, and potential for increased market share in the financial services sector. Analysts suggest that CFFI's focus on innovation and customer service positions it well for future success, making it an attractive investment option for those looking at small-cap stocks. CFFI's strategic growth initiatives and strong financial performance are likely to significantly impact its future market position.

4 Simply Wall St., 5:54 AM
C&F Financial Corporation (CFFI) has seen a remarkable 117% increase in stock value over the past five years, reflecting strong performance and growth. The company's strategic initiatives and market positioning have contributed to this significant appreciation, attracting investor interest and confidence in its future prospects. The substantial stock increase indicates strong market performance and investor sentiment, suggesting significant future impact.

19 Nov

3 GlobeNewswire, 12:00 PM
C&F Financial Corporation (CFFI) has declared a quarterly dividend of $0.40 per share, payable on December 1, 2023, to shareholders of record as of November 15, 2023. This decision reflects the company's ongoing commitment to returning value to its shareholders while maintaining a strong financial position. The dividend announcement indicates a stable financial performance, which may positively influence investor sentiment but does not fundamentally alter the company's trajectory.

28 Oct

4 Zacks, 10:37 AM
C&F Financial Corporation reported a 31% increase in Q3 profit, driven by loan growth and improved margins. The company's performance reflects strong demand for loans and effective management of interest rates, contributing to enhanced profitability. This growth positions CFFI favorably in the competitive financial landscape. The significant profit increase indicates strong operational performance and potential for future growth, impacting investor sentiment positively.

27 Oct

4 , 11:16 AM
Zacks Investment Research has initiated coverage of C&F Financial Corporation (CFFI) with an 'Outperform' recommendation, indicating a positive outlook for the company's future performance. This rating suggests that CFFI is expected to perform better than the market average, potentially attracting investor interest and confidence in its growth prospects. An 'Outperform' rating from Zacks indicates significant positive sentiment and potential for CFFI's future performance.

25 Oct

4 Simply Wall St., 1:12 PM
C&F Financial Corporation (CFFI) reported a significant increase in its profit margin, which strengthens the bullish narrative for investors. This improvement in profitability is expected to enhance the company's appeal in the market, suggesting a positive outlook for future performance and investor sentiment. The profit margin increase indicates a significant improvement in financial performance that could positively influence investor sentiment and the company's trajectory.

23 Oct

4 Associated Press Finance, 1:21 PM
C&F Financial Corporation (CFFI) reported its Q3 earnings, showing a notable increase in net income compared to the previous year. The company attributed this growth to higher interest income and improved loan performance. Additionally, CFFI's total assets and deposits also saw significant growth, reflecting a strong financial position. The management expressed optimism about future performance, citing strategic initiatives aimed at enhancing operational efficiency and customer service. Overall, the earnings report indicates a positive trajectory for CFFI amidst a competitive financial landscape. The significant increase in net income and growth in total assets suggest a strong future performance outlook for CFFI.

3 GlobeNewswire, 1:00 PM
C&F Financial Corporation (CFFI) reported a net income of $3.8 million for the third quarter of 2023, a decrease from $4.5 million in the same period last year. For the first nine months of 2023, net income totaled $11.5 million, down from $13.5 million in 2022. The decline in earnings was attributed to increased interest expenses and lower mortgage banking income. Despite these challenges, the company remains focused on strategic initiatives to enhance operational efficiency and profitability. The decrease in net income indicates potential challenges in financial performance that could affect investor sentiment.

13 Aug

4 , 6:32 AM
C&F Financial Corporation reported second quarter 2025 earnings with an earnings per share (EPS) of US$2.38, a significant increase from US$1.50 in the same quarter of 2024. This growth reflects the company's improved financial performance year-over-year. The substantial increase in EPS indicates a significant improvement in financial performance, likely influencing investor sentiment and future market positioning.

25 Jul

3 , 7:02 AM
C&F Financial Corporation (CFFI) reported its Q2 earnings, highlighting a net income of $3.1 million, or $0.56 per share, compared to $3.5 million, or $0.63 per share, in the same quarter last year. The decrease in earnings was attributed to higher operating expenses and a slight decline in net interest income. The company also noted an increase in loan originations and a stable loan portfolio. CFFI's management expressed optimism about future growth despite current challenges. Earnings performance and operational challenges may moderately influence financial performance and market sentiment.

26 Apr

3 , 8:16 AM
C&F Financial Corporation (NASDAQ:CFFI) reported its First Quarter 2025 results, showing a revenue increase of 9.0% to US$29.6 million and a net income rise of 59% to US$5.40 million. The profit margin improved to 18% from 13% in the same quarter last year, contributing to an EPS of US$1.67, up from US$1.01 in 1Q 2024. Despite these positive results, two warning signs have been identified regarding the company's performance. C&F Financial shares have increased by 7.7% over the past week. The significant increase in revenue and net income indicates a moderately noticeable influence on financial performance.

24 Apr

4 Associated Press Finance, 2:28 PM
C&F Financial Corporation (CFFI) reported its Q1 earnings, showcasing a notable performance with increased revenues and net income compared to the previous year. The company highlighted growth in its banking and mortgage segments, contributing to overall positive financial results. Management expressed optimism about future prospects, citing strategic initiatives aimed at enhancing operational efficiency and customer service. The earnings report reflects a solid foundation for CFFI as it navigates market challenges and opportunities. The earnings report indicates significant growth and strategic initiatives that could alter the company's trajectory and investor sentiment.

3 , 2:00 PM
C&F Financial Corporation reported its net income for the first quarter, highlighting a positive financial performance. The company experienced growth in various segments, contributing to an increase in earnings compared to the previous quarter. This performance reflects the company's strategic initiatives and market positioning. The reported net income indicates a moderately noticeable influence on financial performance and market sentiment.

19 Apr

3 Simply Wall St., 8:27 AM
C&F Financial Corporation (NASDAQ:CFFI) has 55% of its shares owned by retail investors, indicating significant influence from the public. Institutional investors hold 38%, with the largest being Dimensional Fund Advisors at 5.8%. The top 25 shareholders control only 36% of the company, suggesting a lack of dominant ownership. Insiders own 1.2% of shares, and recent sales by them raise concerns. The general public's substantial stake allows them to impact decisions like dividends and mergers. There is no analyst coverage, and the company has one warning sign to consider. The ownership structure and insider selling may moderately influence investor sentiment and company performance.

9 Mar

3 Simply Wall St., 8:53 AM
C&F Financial Corporation (NASDAQ:CFFI) is approaching its ex-dividend date on March 14, with a dividend of US$0.46 per share payable on April 1. Over the past year, the company has distributed US$1.76 per share, yielding 2.5% based on the current share price of US$70.56. The payout ratio is a modest 29%, indicating the dividend is sustainable. Earnings per share have grown by 2.3% annually over the last five years, and dividends have increased by an average of 3.9% per year over the past decade. While C&F Financial shows promise as a dividend stock, potential investors should be aware of associated risks. C&F Financial's stable earnings growth and manageable payout ratio suggest moderate influence on its future performance.

3 Mar

3 Simply Wall St., 5:35 AM
C&F Financial Corporation (CFFI) reported its Full Year 2024 results, showing a revenue of US$114.0 million, down 4.2% from FY 2023, and a net income of US$19.8 million, a 16% decrease. The profit margin fell to 17% from 20%, attributed to lower revenue. Earnings per share (EPS) decreased to US$6.01 from US$6.92 in FY 2023. The net interest margin also declined to 4.12% from 4.31%, while non-performing loans improved to 0.05% from 0.07%. CFFI shares rose 4.5% over the past week. A warning sign has been identified for the company. The decline in revenue and net income indicates a moderately noticeable influence on financial performance.
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