📊 CFFI Key Takeaways
Is C & F Financial Corp. (CFFI) a Good Investment?
CFFI exhibits deteriorating fundamentals with negative operating cash flow (-$7.6M) despite positive net income, suggesting earnings quality concerns or working capital stress. The interest coverage ratio of 0.9x indicates the company cannot cover interest payments from operating income, while extremely weak returns (ROE 2.5%, ROA 0.2%) signal inefficient capital deployment in a declining revenue environment (-7.0% YoY).
C & F Financial shows solid underlying profitability for a community bank, with a 19.1% net margin, 1.0% ROA, and 10.3% ROE, while maintaining positive free cash flow and moderate leverage. However, revenue declined 7.0% year over year and net income was essentially flat, which suggests earnings resilience but limited organic growth momentum. The fundamentals support a stable, financially sound business, but the current data does not yet indicate a clear reacceleration in growth quality.
C & F Financial Corp. Key Strengths (CFFI)
- Solid operating margin of 23.0% indicates core business pricing power
- Moderate leverage with debt-to-equity of 0.50x provides some financial flexibility
- Strong insider trading activity (23 Form 4 filings in 90 days) suggests management confidence
- Solid profitability with 23.5% operating margin and 19.1% net margin
- Healthy balance sheet with moderate debt-to-equity of 0.51x and positive equity base
- Positive operating cash flow and free cash flow generation
CFFI Stock Risks: C & F Financial Corp. Investment Risks
- Negative operating cash flow (-$7.6M) contradicts reported profitability, indicating cash generation deterioration or working capital issues
- Interest coverage of 0.9x is below 1.0x threshold, signaling difficulty servicing debt from operating income
- Critically weak returns with ROE of 2.5% and ROA of 0.2% show capital is not generating adequate returns for shareholders
- Revenue declining 7.0% YoY while net income margins compress, suggesting operational headwinds
- Revenue contraction of 7.0% year over year indicates pressure on core growth
- Net income declined slightly, suggesting limited earnings expansion despite EPS growth
- Interest coverage of 3.5x is adequate but not especially strong if funding costs remain elevated
Key Metrics to Watch
- Operating cash flow trend and cash conversion cycle
- Interest coverage ratio improvement or further deterioration
- Revenue stabilization and loan portfolio quality indicators
- Return on equity and return on assets trajectory
- Net interest margin and total revenue growth
- Credit quality trends, including nonperforming assets and provision expense
C & F Financial Corp. (CFFI) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CFFI Profit Margin, ROE & Profitability Analysis
CFFI vs Finance Sector: How C & F Financial Corp. Compares
How C & F Financial Corp. compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is C & F Financial Corp. Stock Overvalued? CFFI Valuation Analysis 2026
Based on fundamental analysis, C & F Financial Corp. has mixed fundamental signals relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
C & F Financial Corp. Balance Sheet: CFFI Debt, Cash & Liquidity
CFFI Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: C & F Financial Corp.'s revenue has shown modest growth of 2% over the 5-year period. The most recent EPS of $6.92 reflects profitable operations.
CFFI Revenue Growth, EPS Growth & YoY Performance
CFFI Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $32.6M | $5.4M | $1.66 |
| Q3 2025 | $33.5M | $5.4M | $1.65 |
| Q2 2025 | $31.2M | $5.0M | $1.50 |
| Q1 2025 | $30.7M | $3.4M | $1.01 |
| Q3 2024 | $30.7M | $5.4M | $1.65 |
| Q2 2024 | $31.2M | $5.0M | $1.50 |
| Q1 2024 | $30.7M | $3.4M | $1.01 |
| Q3 2023 | $30.5M | $5.8M | $1.71 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
C & F Financial Corp. Dividends, Buybacks & Capital Allocation
CFFI SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for C & F Financial Corp. (CIK: 0000913341)
📋 Recent SEC Filings
❓ Frequently Asked Questions about CFFI
What is the AI rating for CFFI?
C & F Financial Corp. (CFFI) has a Combined AI Grade of C from Claude (C) and ChatGPT (B) with 76% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are CFFI's key strengths?
Claude: Solid operating margin of 23.0% indicates core business pricing power. Moderate leverage with debt-to-equity of 0.50x provides some financial flexibility. ChatGPT: Solid profitability with 23.5% operating margin and 19.1% net margin. Healthy balance sheet with moderate debt-to-equity of 0.51x and positive equity base.
What are the risks of investing in CFFI?
Claude: Negative operating cash flow (-$7.6M) contradicts reported profitability, indicating cash generation deterioration or working capital issues. Interest coverage of 0.9x is below 1.0x threshold, signaling difficulty servicing debt from operating income. ChatGPT: Revenue contraction of 7.0% year over year indicates pressure on core growth. Net income declined slightly, suggesting limited earnings expansion despite EPS growth.
What is CFFI's revenue and growth?
C & F Financial Corp. reported revenue of $36.3M.
Does CFFI pay dividends?
C & F Financial Corp. pays dividends, with $1.6M distributed to shareholders in the trailing twelve months.
Where can I find CFFI SEC filings?
Official SEC filings for C & F Financial Corp. (CIK: 0000913341) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is CFFI's EPS?
C & F Financial Corp. has a diluted EPS of $2.08.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is CFFI's fundamental grade?
Based on our AI fundamental analysis in June 2026, C & F Financial Corp. has a C grade with 76% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is CFFI stock overvalued or undervalued?
Valuation metrics for CFFI: ROE of 2.5% (sector avg: 12%), net margin of 18.6% (sector avg: 25%). Compare these metrics with sector averages to assess valuation.
What is CFFI's AI grade for 2026?
Our dual AI analysis gives C & F Financial Corp. a combined C grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is CFFI's free cash flow?
C & F Financial Corp.'s operating cash flow is $-7.6M, with capital expenditures of $322.0K. FCF margin is -21.8%.
How does CFFI compare to other Finance stocks?
Vs Finance sector averages: Net margin 18.6% (avg: 25%), ROE 2.5% (avg: 12%), current ratio N/A (avg: 1.2).