📊 CFFI Key Takeaways
Investment Thesis
C&F Financial demonstrates solid profitability with 19.1% net margins and healthy free cash flow generation ($22.2M), but faces headwinds from declining revenues (-7.0% YoY) and modest return metrics (ROA 1.0%, ROE 10.3%) typical of regional banking. The company maintains conservative leverage (0.51x debt/equity) with adequate liquidity, though weak interest coverage (3.5x) and stagnant earnings growth suggest limited near-term catalysts.
CFFI Strengths
- Strong net profit margin of 19.1% demonstrates operational efficiency
- Healthy free cash flow generation ($22.2M) with 15.7% FCF margin provides capital flexibility
- Conservative balance sheet with 0.51x debt-to-equity ratio and manageable leverage
- Substantial asset base of $2.8B provides scale and diversification
CFFI Risks
- Revenue decline of 7.0% YoY indicates contraction in core banking operations or net interest margin compression
- Weak return on assets (1.0%) and return on equity (10.3%) suggest underutilized capital base
- Interest coverage ratio of 3.5x leaves limited cushion for adverse rate environment or credit deterioration
- Flat earnings growth (-0.6% YoY net income) despite EPS growth masks share count changes rather than operational improvement
Key Metrics to Watch
- Net interest margin trends and deposit flows
- Loan loss provisions and credit quality metrics
- Revenue stabilization and return to growth
- Interest coverage ratio resilience in changing rate environment
CFFI Financial Metrics
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
CFFI Profitability Ratios
CFFI vs Finance Sector
How C & F FINANCIAL CORP compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
CFFI Balance Sheet & Liquidity
CFFI 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 Growth Metrics (YoY)
CFFI Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| 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 |
| Q2 2023 | $28.3M | $6.3M | $1.84 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
CFFI Capital Allocation
CFFI SEC Filings
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 an AI rating of HOLD with 62% confidence, based on fundamental analysis of SEC EDGAR filings.
What are CFFI's key strengths?
Strong net profit margin of 19.1% demonstrates operational efficiency. Healthy free cash flow generation ($22.2M) with 15.7% FCF margin provides capital flexibility.
What are the risks of investing in CFFI?
Revenue decline of 7.0% YoY indicates contraction in core banking operations or net interest margin compression. Weak return on assets (1.0%) and return on equity (10.3%) suggest underutilized capital base.
What is CFFI's revenue and growth?
C & F FINANCIAL CORP reported revenue of $140.8M.
Does CFFI pay dividends?
C & F FINANCIAL CORP pays dividends, with $6.0M 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 $8.29.
How is the AI analysis conducted?
Our AI (Claude) analyzes publicly available SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports to evaluate financial health, profitability ratios, balance sheet strength, and growth metrics.