Stocks · Financial Services · Banks - Regional
C&F Financial Corporation CFFI
$98.30 +1.50% Close, Oct 2, 2026 · NASDAQ · Market cap $319.9M
Strong trend
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- The shares trade at 11.0× trailing earnings, higher than 90% of the company's own readings over the past five years.
- The stock is in an uptrend: above its 200-day average for 84 trading days, with the 50-day average above the 200-day.
- Revenue over the last four quarters was $192.0M, up 9.2% from a year earlier.
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 41%
- EPS growth (TTM, YoY)Bottom 50%
- FCF growth (TTM, YoY)Top 40%
- Revenue growth, 3-year CAGRBottom 50%
- Revenue growth accelerationBottom 37%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 24%
- Gross marginTop 40%
- Operating marginBottom 44%
- Cash conversion (OCF / net income)Top 31%
- Accruals (lower is better)Top 42%
- Net debt / EBITDA (lower is better)Bottom 49%
- Interest coverBottom 43%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 23%
- Free-cash-flow yieldTop 23%
- EBITDA / enterprise valueTop 26%
- Sales / enterprise valueTop 27%
- P/E vs own 5-year history (lower is better)Bottom 14%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 14%
- 6-month returnTop 6%
- 1-year return vs S&P 500Top 7%
- Distance from 52-week highTop 10%
- Trend checklist (0–4)Top 11%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Upside to consensus price targetTop 44%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 26%
- Maximum drawdown, 3 yearsBottom 16%
- Beta vs S&P 500 (lower is better)Bottom 47%
- Net debt / EBITDA (lower is better)Bottom 49%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 10.9% | 9.2% | ↓ |
| EPS growth (YoY) | 30.4% | 18.8% | ↓ |
| Gross margin | 67.6% | 68.9% | ↑ |
| Operating margin | 17.1% | 18.8% | ↑ |
| FCF margin | 17.9% | 21.5% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 9.2% | 10.9% | ↓ | Top 41% |
| EPS growth (TTM, YoY) | 18.8% | 30.4% | ↓ | Bottom 50% |
| Gross margin | 68.9% | 67.6% | ↑ | Top 40% |
| Operating margin | 18.8% | 17.1% | ↑ | Bottom 44% |
| Net margin | 15.1% | 13.9% | ↑ | — |
| Free-cash-flow margin | 21.5% | 17.9% | ↑ | — |
| Return on invested capital | 6.6% | — | Top 24% | |
| Revenue growth, 3-year CAGR | 14.7% | — | Bottom 50% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 1.47×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -0.5%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 0.8%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -1.6 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- 1.41×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.8×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.91%
- Net buyback yield (TTM)
- 0.47%
- Shareholder yield
- 2.37%
- Share count change, 1 year
- +0.4%
- Share count change, 3-year CAGR
- -1.7%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 10, 2026).
Earnings and expectations
Earnings momentum
- Average 2-day reaction, last 8
- -0.5%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $115.00
- Target vs current price
- +17.0%
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | — | -0.3% | +8.5% | +11.6% | — |
| Apr 23, 2026 | — | -2.2% | +0.6% | -3.2% | +1.0% |
| Jan 27, 2026 | — | +0.5% | +7.3% | +4.0% | +6.6% |
| Oct 23, 2025 | — | -3.3% | -0.2% | -1.9% | +0.2% |
| Jul 24, 2025 | — | -0.9% | -7.5% | -1.6% | -3.1% |
| Apr 24, 2025 | — | +4.1% | -0.9% | +1.5% | +3.4% |
| Jan 28, 2025 | — | -1.7% | -0.4% | +0.3% | -13.4% |
| Oct 29, 2024 | — | -0.1% | +2.0% | +24.3% | +22.0% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $2.40 | — | — | $40.1M |
| Apr 23, 2026 | $2.08 | — | — | $47.7M |
| Jan 27, 2026 | $2.07 | — | — | $47.7M |
| Oct 23, 2025 | $2.18 | — | — | $46.6M |
| Jul 24, 2025 | $2.37 | — | — | $47.3M |
| Apr 24, 2025 | $1.66 | — | — | $42.7M |
| Jan 28, 2025 | $1.87 | — | — | $31.1M |
| Oct 29, 2024 | $1.65 | — | — | $29.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 11.0× | 7.3× | 90th | Top 23% |
| P/E (forward) | 10.4× | — | — | — |
| EV / EBITDA | 9.5× | — | — | Top 26% |
| EV / Sales | 1.96× | — | — | Top 27% |
| Free-cash-flow yield | 12.91% | — | — | Top 23% |
| Earnings yield | 9.13% | — | — | Top 23% |
P/E over the past five years
Range 5.9× – 13.1× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +48.6%
- Earnings per share growth (TTM)
- +18.8%
- Change in P/E multiple
- +9.4%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✓ Price above 20-day average
- ✓ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 76
- Days above the 200-day average
- 84
- 50-day average slope (20 days)
- +7.1%
- 200-day average slope (20 days)
- +3.3%
- Distance from 50-day average
- +9.0%
- Distance from 200-day average
- +24.7%
- RSI (14)
- 63.4
- Relative volume
- 0.76×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 30.5%
- Volatility vs own 5-year history
- 34th percentile · Normal for this stock
- Beta vs S&P 500 (2 years, weekly)
- 0.73
- Correlation with S&P 500
- 0.34
- Current drawdown from 1-year high
- -0.9%
- Maximum drawdown, 3 years
- -51.1%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Dec 15, 2023 | Apr 16, 2024 | -51.1% | 82 days | 148 days (Nov 14, 2024) |
| Feb 10, 2025 | Apr 11, 2025 | -35.4% | 43 days | 329 days (Aug 5, 2026) |
| Mar 10, 2021 | Apr 22, 2021 | -22.0% | 30 days | 29 days (Jun 3, 2021) |
| Dec 8, 2022 | May 11, 2023 | -21.3% | 105 days | 147 days (Dec 11, 2023) |
| Aug 16, 2021 | Jul 19, 2022 | -18.9% | 232 days | 50 days (Sep 28, 2022) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $319.9M
- P/E (TTM)
- 11.0
- EPS, diluted (TTM)
- $8.97
- Revenue (TTM)
- $192.0M
- Dividend yield
- 1.93%
- 52-week range
- $64.71 – $100.10
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $140.0M | $123.5M | $149.8M | $166.5M | $186.1M |
| Gross profit | $131.0M | $112.4M | $115.1M | $110.4M | $129.3M |
| Operating income | $38.1M | $37.0M | $29.2M | $24.1M | $33.1M |
| Net income | $28.7M | $29.2M | $23.6M | $19.8M | $26.8M |
| EPS (diluted) | $7.95 | $8.29 | $6.92 | $6.01 | $8.29 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $43.9M | $42.5M | $42.7M | $46.8M | $46.6M | $47.7M | $47.7M | $50.0M |
| Net income | $5.4M | $6.0M | $5.4M | $7.7M | $7.1M | $6.7M | $6.7M | $8.6M |
| EPS (diluted) | $1.65 | $1.87 | $1.66 | $2.37 | $2.19 | $2.07 | $2.08 | $2.63 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $157.4M | $90.6M | $38.8M | $38.5M | $24.5M |
| Capital expenditure | -$4.8M | -$3.4M | -$1.5M | -$3.5M | -$2.3M |
| Free cash flow | $152.6M | $87.2M | $37.4M | $35.0M | $22.2M |
| Dividends paid | -$5.7M | -$5.8M | -$6.0M | -$5.8M | -$6.0M |
| Net share buybacks | -$8.2M | -$5.4M | -$7.8M | -$8.8M | -$943,000 |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $520.4M
- Total assets
- $2.81B
- Total liabilities
- $2.53B
- Total debt
- $118.2M
- Net debt
- $56.1M
- Shareholders’ equity
- $277.8M
As of Jun 30, 2026 (filed Aug 10, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Sep 15, 2026 | $0.48 | Oct 1, 2026 |
| Jun 15, 2026 | $0.48 | Jul 1, 2026 |
| Mar 13, 2026 | $0.48 | Apr 1, 2026 |
| Dec 15, 2025 | $0.46 | Jan 1, 2026 |
| Sep 15, 2025 | $0.46 | Oct 1, 2025 |
| Jun 13, 2025 | $0.46 | Jul 1, 2025 |
| Mar 14, 2025 | $0.46 | Apr 1, 2025 |
| Dec 13, 2024 | $0.44 | Jan 1, 2025 |
Short interest
- Shares sold short
- 50,188
- Days to cover
- 1.00
- Change vs previous report
- +30.4%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Jul 21, 1998
- 2-for-1