C & F FINANCIAL CORP · Banks

CFFI

Low riskNext report: Around Jan 26, 2027 (est.)

View price ↗

The short version

A high-quality, profitable business with growing sales. Institutions are adding.

Going well

Sales up 12% in the latest quarter vs a year ago
Profitable every year for 10 years
Sales up 11% last year

Money moves

No insider buying or selling in the last 30 days
Institutions added 2.4% to their holdings in the quarter ending June 2026 (32 bought, 24 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$108.40+1.0% that day

Company value: $352M; Share price times all shares
Price vs profit (P/E): 12.1x; You pay about $12 for each $1 of yearly profit
Price vs sales: 2.4x; Company value is 2.4 times a year of sales
Dividend yield: 1.7%; Yearly dividend as a share of today's price
Cash vs value: 18%; Cash as a share of company value
Debt vs value: 17%; Debt as a share of company value

From CFFI's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$40.9M+12% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $149.0M, up 11% from the 12 months before. Over 5 years, sales grew about 0.4% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of CFFI. Starting points are the company's recent numbers.

Sales growth+11% a yearRecently: +11% a yearProfit margin20%Last 12 months: 19.5%P/E at the end12xToday: 12.1x. Many steady companies trade at 12x to 25xShare count change-3% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$251M

Profit in 5 years$50M

Price these guesses point to$215.84+99% vs $108.40 todayAbout +15% a year, before dividends

What today's price needs: with a 20% margin and a 12x P/E, sales could shrink about 3.3% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

5/6Strong

MissReturn on equity 15%+Earns a lot on the money owners have in the business.11.0%
PassDebt under half of equityNot relying on borrowed money.0.23x equity
PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.19.1%
PassProfitable every yearSteady profits, not one good year.10 of 10 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$22.2M
PassShare count not growingNot diluting owners. Falling means buybacks.-7.9% in 3 years

Revenue: $140.8M; +10.6% vs prior year
5-year growth: +0.4%/yr; revenue, per year
Total debt: $60.0M; 0.23x equity
Free cash flow: $22.2M; 15.7% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.

Latest quarter

Quarter ended Jun 30, 2026

Reported Oct 26After close4:24 pm ET

From the press release

Announces Net Income for Third Quarter and First Nine Months of 2026 . .
The Corporation reported consolidated net income of $23.7 million for the first nine months of 2026, an increase of 16.8 percent, compared to $20.3 million for the first nine months of 2025. .
Adjusted net income, a non-GAAP measure, increased $2.7 million, or 13.1 percent, for the first nine months of 2026, compared to the same period of 2025, which excludes the effects of the items mentioned above.

The numbers below are the quarter before. The new quarter's full numbers come with the 10-Q. Read the press release ↗