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How to buy C-and-F Financial Corporation stock (CFFI)

Buy C-and-F Financial Corporation stock in 5 easy steps, view past price performance and learn what’s ahead for the company.

C-and-F Financial Corporation is a banks - regional business based in the US. C-and-F Financial Corporation shares (CFFI) are listed on the NASDAQ and all prices are listed in US Dollars. Its last market close was $74.48 – an increase of 0.3% over the previous week. C-and-F Financial Corporation employs 594 staff and has a trailing 12-month revenue of around $114.8 million.

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C-and-F Financial Corporation stock price (NASDAQ: CFFI)

Use our graph to track the performance of CFFI stocks over time.

C-and-F Financial Corporation shares at a glance

Information last updated 2024-11-15.
Latest market close$74.48
52-week range$32.93 - $74.26
50-day moving average $60.90
200-day moving average $51.77
Wall St. target price$34.00
PE ratio 12.0748
Dividend yield $1.76 (2.58%)
Earnings per share (TTM) $6.15

Is it a good time to buy C-and-F Financial Corporation stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

C-and-F Financial Corporation price performance over time

Historical closes compared with the close of $74.02 from 2024-11-19

1 week (2024-11-14) -0.32%
1 month (2024-10-21) 25.50%
3 months (2024-08-21) 32.18%
6 months (2024-05-21) 67.28%
1 year (2023-11-21) 25.78%
2 years (2022-11-21) 44.89%
3 years (2021-11-19) 65.62%
5 years (2019-11-21) 63.55%

Is C-and-F Financial Corporation stock undervalued or overvalued?

Valuing C-and-F Financial Corporation stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of C-and-F Financial Corporation's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

C-and-F Financial Corporation's P/E ratio

C-and-F Financial Corporation's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 12x. In other words, C-and-F Financial Corporation shares trade at around 12x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

C-and-F Financial Corporation financials

Revenue TTM $114.8 million
Operating margin TTM 22.41%
Gross profit TTM $119 million
Return on assets TTM 0.76%
Return on equity TTM 8.86%
Profit margin 16.43%
Book value $70.29
Market Capitalization $239.5 million

TTM: trailing 12 months

C-and-F Financial Corporation share dividends

31%

Dividend payout ratio: 31.07% of net profits

Recently C-and-F Financial Corporation has paid out, on average, around 0% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 0% of the current stock value. This means that over a year, based on recent payouts (which are sadly no guarantee of future payouts), C-and-F Financial Corporation shareholders could enjoy a 0% return on their shares, in the form of dividend payments. In C-and-F Financial Corporation's case, that would currently equate to about $1.76 per share.

While C-and-F Financial Corporation's payout ratio might seem fairly standard, it's worth remembering that C-and-F Financial Corporation may be investing much of the rest of its net profits in future growth.

C-and-F Financial Corporation's most recent dividend payout was on 30 September 2024. The latest dividend was paid out to all shareholders who bought their shares by 12 September 2024 (the "ex-dividend date").

Have C-and-F Financial Corporation's shares ever split?

C-and-F Financial Corporation's shares were split on a 2:1 basis on 20 July 1998 . So if you had owned 1 share the day before before the split, the next day you'd have owned 2 shares. This wouldn't directly have changed the overall worth of your C-and-F Financial Corporation shares – just the quantity. However, indirectly, the new 50% lower share price could have impacted the market appetite for C-and-F Financial Corporation shares which in turn could have impacted C-and-F Financial Corporation's share price.

C-and-F Financial Corporation share price volatility

Over the last 12 months, C-and-F Financial Corporation's shares have ranged in value from as little as $32.9338 up to $74.26. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while C-and-F Financial Corporation's is 0.37. This would suggest that C-and-F Financial Corporation's shares are less volatile than average (for this exchange).

C-and-F Financial Corporation overview

C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. It operates through three segments: Community Banking, Mortgage Banking, and Consumer Finance. The Community Banking segment offers various banking services, including checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet and mobile banking, peer-to-peer payment capabilities, and debit cards, as well as safe deposit box rentals, notary public, electronic transfer, and other customary bank services. The Mortgage Banking segment provides various residential mortgage loans; originates conventional mortgage loans, mortgage loans insured by the Federal Housing Administration, and mortgage loans guaranteed by the United States Department of Agriculture and the Veterans Administration; and ancillary mortgage loan production services to third parties for residential appraisals, as well as various mortgage origination activities. The Consumer Finance segment provides automobile loans. It also offers brokerage and wealth management services, and insurance products and services, as well as title and settlement agency.

Frequently asked questions

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What percentage of C-and-F Financial Corporation is owned by insiders or institutions?
Currently 7.416% of C-and-F Financial Corporation shares are held by insiders and 35.21% by institutions.
How many people work for C-and-F Financial Corporation?
Latest data suggests 594 work at C-and-F Financial Corporation.
When does the fiscal year end for C-and-F Financial Corporation?
C-and-F Financial Corporation's fiscal year ends in December.
Where is C-and-F Financial Corporation based?
C-and-F Financial Corporation's address is: 3600 La Grange Parkway, Toano, VA, United States, 23168
What is C-and-F Financial Corporation's ISIN number?
C-and-F Financial Corporation's international securities identification number is: US12466Q1040
What is C-and-F Financial Corporation's CUSIP number?
C-and-F Financial Corporation's Committee on Uniform Securities Identification Procedures number is: 12466Q104

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