C & F Financial Corp (CFFI) stock
CFFINasdaqState Commercial BanksFiscal year ends December 31
Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Nov 5, 2026Score 15/3014% above fair value
$106.00+0.18 (+0.17%)
Close on Nov 13, 2026Market cap $344.68MP/E 11.4Yield 1.74%
C & F Financial statistics
93 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.
Important dates
- Next earnings
- Jan 26, 2027 (estimated, before the open)
- Last ex-dividend date
- Sep 15, 2026
- Fundamentals through
- Sep 30, 2026
- Share price as of
- Nov 13, 2026
Valuation ratiosIndustry
- P/TBV Ratio
- 1.42
- 1.52
- P/OCF Ratio
- 7.09
- 9.82
Enterprise valuationIndustry
- EV / Sales
- 1.98
- 2.95
- EV / FCF
- 7.10
- 8.49
Share statisticsIndustry
- Shares Change (YoY)
- 0.40%
- 0.33%
- Shares Change (QoQ)
- 0.03%
- 0.00%
- Float
- 3M
- 17M
- Shares Held by Insiders
- 6.97%
- 6.05%
- Shares Held by Institutions
- 41.6%
- 61.3%
Short sellingIndustry
- Short Interest
- 68,530
- –
- Short Interest Change
- 2.23%
- -4.13%
- Short % of Float
- 2.27%
- 3.58%
- Short % of Shares Outstanding
- 2.11%
- 3.18%
- Days to Cover
- 1.00
- 4.85
Stock price statisticsIndustry
- 52-Week High
- $115.40
- –
- 52-Week Low
- $66.48
- –
- 20-Day Moving Average
- $107.82
- –
- 50-Day Moving Average
- $101.47
- –
- 200-Day Moving Average
- $83.92
- –
- Average True Range (14)
- $3.33
- –
- Price Change (1 Week)
- 0.84%
- 0.69%
- Price Change (1 Month)
- 3.18%
- 3.79%
- Price Change (3 Months)
- 23.3%
- -2.72%
- Price Change (6 Months)
- 47.0%
- 12.2%
- Price Change (YTD)
- 46.0%
- 19.9%
- Price Change (1 Year)
- 51.9%
- 25.7%
- Price Change (3 Years)
- 88.6%
- 65.1%
- Price Change (5 Years)
- 102.3%
- 26.9%
- Price Change (10 Years)
- 149.4%
- 66.8%
- Average Volume (10 Days)
- 60,204
- –
- Average Volume (20 Days)
- 69,956
- –
- Average Volume (90 Days)
- 54,752
- –
- Relative Volume
- 0.72
- 0.68
- Relative Strength Index (14)
- 51.1
- 53.1
- Volatility (1 Year)
- 33.5%
- 24.4%
- Beta (5 Years)
- 0.44
- 0.63
MarginsIndustry
- Pretax Margin
- 24.8%
- 37.0%
- FCF Margin
- 27.9%
- 33.9%
Returns on capitalIndustry
- Return on Equity (ROE)
- 11.6%
- 10.7%
- Return on Assets (ROA)
- 1.10%
- 1.16%
GrowthIndustry
- Revenue Growth (YoY)
- 10.4%
- 11.7%
- Net Income Growth (YoY)
- 15.7%
- 22.6%
- EPS Growth (YoY)
- 15.5%
- 21.6%
- FCF Growth (YoY)
- -21.9%
- 27.2%
- Revenue Growth (3Y CAGR)
- 4.71%
- 5.82%
- Revenue Growth (5Y CAGR)
- 0.39%
- 6.17%
- EPS Growth (3Y CAGR)
- 0.00%
- 1.31%
- EPS Growth (5Y CAGR)
- 6.47%
- 8.24%
EfficiencyIndustry
- Asset Turnover
- 0.05
- 0.04
- Revenue Per Employee
- $262.99K
- $358.92K
- Profits Per Employee
- $52.67K
- $110.51K
- Employee Count
- 575
- 492
- WACC
- 7.60%
- 8.13%
Income statement (TTM)Industry
- Pretax Income
- $37.49M
- $74.07M
Balance sheetIndustry
- Net Cash (Debt)
- $45.98M
- $165.09M
- Net Cash Per Share
- $14.14
- $8.07
- Equity (Book Value)
- $268.75M
- $570.13M
- Book Value Per Share
- $82.65
- $28.12
- Tangible Book Value
- $242.73M
- $478.27M
Cash flow (TTM)Industry
- Capital Expenditures
- -$6.44M
- -$4.24M
- FCF Per Share
- $12.97
- $3.37
Dividends and yieldsIndustry
- Earnings Yield
- 8.79%
- 8.29%
- FCF Yield
- 12.2%
- 9.18%
- Dividend Yield
- 1.74%
- 2.44%
- Buyback Yield
- 0.44%
- 1.82%
- Shareholder Yield
- 2.17%
- 3.26%
- Dividend Per Share
- $1.84
- $0.92
- Dividend Growth (YoY)
- 4.55%
- 4.26%
- Years of Dividend Growth
- 1
- 2
- Payout Ratio
- 20.4%
- 28.5%
- FCF Payout Ratio
- 14.6%
- 24.8%
Taxes and interestIndustry
- Income Tax
- $7.09M
- $16.14M
- Effective Tax Rate
- 18.9%
- 21.1%
Scores and fair valueIndustry
- Graham Number
- $131.72
- $45.07
- Graham Upside
- 24.3%
- 18.8%
- Altman Z-Score
- 0.28
- 0.22
- Piotroski F-Score
- 6
- 6
- Lynch Fair Value
- $60.34
- –
- Lynch Upside
- -43.1%
- -0.43%
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 13, 2026. The S&P 500 is measured by the SPY fund.
| Period | CFFI | S&P 500 | Difference | CFFI per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | +1.8% | -3.0% | +4.8 pts | ||
| 3 months | +20.4% | -2.8% | +23.2 pts | ||
| Year to date | +48.7% | +11.5% | +37.2 pts | ||
| 1 year | +54.4% | +13.5% | +41.0 pts | ||
| 3 years | +110.9% | +77.7% | +33.2 pts | +28.2% | +21.1% |
| 5 years | +134.2% | +72.6% | +61.6 pts | +18.6% | +11.5% |
| 10 years | +238.3% | +308.2% | −69.8 pts | +13.0% | +15.1% |
Short interest
Shares sold short and not yet covered, reported by brokers to FINRA twice a month. Latest settlement date Oct 30, 2026.
0M CFFI shares were sold short on Oct 30, 2026, up 2.2% from the previous report, or 2.27% of the shares available to trade. At recent volumes it would take 1.0 days to buy them back. Over the last 20 sessions, 75.9% of the volume reported to FINRA was short selling.
| Settlement date | Shares short | Change | Avg. daily volume | Days to cover |
|---|---|---|---|---|
| Oct 30, 2026 | 68,530 | +2.2% | 76,243 | 1.0 |
| Oct 15, 2026 | 67,036 | +37.2% | 55,377 | 1.2 |
| Sep 30, 2026 | 48,876 | -2.6% | 78,264 | 1.0 |
| Sep 15, 2026 | 50,188 | +30.4% | 74,618 | 1.0 |
| Aug 31, 2026 | 38,482 | +13.5% | 65,980 | 1.0 |
| Aug 14, 2026 | 33,907 | +5.6% | 41,647 | 1.0 |
| Jul 31, 2026 | 32,097 | -0.6% | 5,242 | 6.1 |
| Jul 15, 2026 | 32,305 | -15.3% | 5,341 | 6.0 |
| Jun 30, 2026 | 38,160 | +10.4% | 12,234 | 3.1 |
| Jun 15, 2026 | 34,564 | +14.8% | 5,106 | 6.8 |
| May 29, 2026 | 30,118 | +1.8% | 5,704 | 5.3 |
| May 15, 2026 | 29,580 | -16.1% | 3,883 | 7.6 |
Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.
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