Highlights
- Market Cap
- $236.15M
- Enterprise Value
- $349.49M
- EPS (TTM)
- $8.29
- PE Ratio
- 8.80
- PEG Ratio
- 2.81
- Total Revenue (TTM)
- $168.44M
- Gross Profit (TTM)
- $129.29M
- EBITDA (TTM)
- $36.02M
- Year Range
- $53.14 - $80.99
- ROA (TTM)
- 0.97%
- ROE (TTM)
- 10.23%
Share Price Chart
Loading graphics...
Compare stocks, funds, or ETFs
Search for stocks, ETFs, and funds for a quick comparison or use the comparison tool for more options.
Performance
Performance Chart
The chart shows the growth of an initial investment of $10,000 in C&F Financial Corporation, comparing it to the performance of the S&P 500 index or another benchmark. All prices have been adjusted for splits and dividends.
Loading graphics...
Returns By Period
C&F Financial Corporation (CFFI) has returned 1.16% so far this year and 11.17% over the past 12 months. Over the last ten years, CFFI has returned 9.92% per year, falling short of the S&P 500 Index benchmark, which averaged 12.16% annually.
C&F Financial Corporation
- 1D
- 0.03%
- 1M
- 0.84%
- YTD
- 1.16%
- 6M
- 9.97%
- 1Y
- 11.17%
- 3Y*
- 15.47%
- 5Y*
- 12.89%
- 10Y*
- 9.92%
Benchmark (S&P 500 Index)
- 1D
- 2.91%
- 1M
- -5.09%
- YTD
- -4.63%
- 6M
- -2.39%
- 1Y
- 16.33%
- 3Y*
- 16.69%
- 5Y*
- 10.18%
- 10Y*
- 12.16%
Monthly Returns
Based on dividend-adjusted daily data since May 7, 1998, CFFI's average daily return is +0.06%, while the average monthly return is +0.99%. At this rate, your investment would double in approximately 5.9 years.
Historically, 56% of months were positive and 44% were negative. The best month was Apr 2000 with a return of +35.6%, while the worst month was Mar 2000 at -23.7%. The longest winning streak lasted 8 consecutive months, and the longest losing streak was 6 months.
On a daily basis, CFFI closed higher 43% of trading days. The best single day was Sep 9, 2009 with a return of +34.9%, while the worst single day was Dec 12, 2008 at -22.5%.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 3.73% | -3.29% | 0.84% | 1.16% | |||||||||
| 2025 | 7.26% | 4.29% | -14.90% | -3.89% | 2.73% | -6.57% | 3.43% | 12.73% | -6.02% | 1.80% | 1.52% | 5.18% | 4.61% |
| 2024 | -18.61% | -3.73% | -7.49% | -20.06% | 12.18% | 10.75% | 23.44% | -2.49% | 1.35% | 7.15% | 15.12% | -0.45% | 7.84% |
| 2023 | 4.67% | -6.17% | -8.92% | 2.98% | -4.69% | 6.64% | 4.71% | -5.18% | 1.36% | -1.75% | 10.79% | 17.68% | 20.69% |
| 2022 | 0.02% | -1.70% | 1.21% | 2.51% | -1.47% | -9.20% | -4.00% | 10.47% | 10.65% | 5.72% | -0.97% | 4.77% | 17.47% |
| 2021 | 6.09% | 10.49% | 2.57% | -4.76% | 17.31% | 3.88% | 2.47% | 2.45% | -0.04% | -3.65% | -2.09% | 2.99% | 42.26% |
Benchmark Metrics
C&F Financial Corporation has an annualized alpha of 13.44%, beta of 0.37, and R² of 0.03 versus S&P 500 Index. Calculated based on daily prices since May 08, 1998.
- This stock participates in less of S&P 500 Index's moves in both directions, but captures a larger share of gains (53.66%) than losses (41.00%) — typical of diversified or defensive assets.
- Beta of 0.37 may look defensive, but with R² of 0.03 this stock is largely uncorrelated with S&P 500 Index — low beta reflects independence, not downside protection. See the Volatility section for a true picture of this stock's risk.
- R² of 0.03 means this stock moves largely independently of S&P 500 Index — capture ratios reflect limited market correlation rather than active downside protection. Consider using a more representative benchmark.
- Alpha
- 13.44%
- Beta
- 0.37
- R²
- 0.03
- Upside Capture
- 53.66%
- Downside Capture
- 41.00%
Return for Risk
Risk / Return Rank
CFFI ranks 49 for risk / return — on par with similar stocks. You're getting a typical balance of risk and reward. Not a standout, but not a red flag either — a reasonable choice if other factors align with your goals.
Return / Risk — by metrics
The table below present risk-adjusted performance metrics for C&F Financial Corporation (CFFI) and compare them to a chosen benchmark (S&P 500 Index).
| CFFI | Benchmark | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | 0.31 | 0.90 | -0.59 |
Sortino ratioReturn per unit of downside risk | 0.69 | 1.39 | -0.70 |
Omega ratioGain probability vs. loss probability | 1.08 | 1.21 | -0.13 |
Calmar ratioReturn relative to maximum drawdown | 0.41 | 1.40 | -0.99 |
Martin ratioReturn relative to average drawdown | 1.11 | 6.61 | -5.50 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
Explore CFFI risk-adjusted metrics in detail
Dive deeper into individual metrics with historical trends, benchmark comparisons, and performance across different time periods.
Dividends
Dividend History
C&F Financial Corporation provided a 2.55% dividend yield over the last twelve months, with an annual payout of $1.86 per share. The company has been increasing its dividends for 15 consecutive years.
| Period | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend | $1.86 | $1.84 | $1.76 | $1.76 | $1.64 | $1.58 | $1.52 | $1.49 | $1.41 | $1.33 | $1.29 | $1.22 |
Dividend yield | 2.55% | 2.53% | 2.47% | 2.58% | 2.81% | 3.09% | 4.10% | 2.69% | 2.65% | 2.29% | 2.59% | 3.13% |
Monthly Dividends
The table displays the monthly dividend distributions for C&F Financial Corporation. The dividends shown in the table have been adjusted to account for any splits that may have occurred.
| Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec | Total | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | $0.00 | $0.00 | $0.48 | $0.48 | |||||||||
| 2025 | $0.00 | $0.00 | $0.46 | $0.00 | $0.00 | $0.46 | $0.00 | $0.00 | $0.46 | $0.00 | $0.00 | $0.46 | $1.84 |
| 2024 | $0.00 | $0.00 | $0.44 | $0.00 | $0.00 | $0.44 | $0.00 | $0.00 | $0.44 | $0.00 | $0.00 | $0.44 | $1.76 |
| 2023 | $0.00 | $0.00 | $0.44 | $0.00 | $0.00 | $0.44 | $0.00 | $0.00 | $0.44 | $0.00 | $0.00 | $0.44 | $1.76 |
| 2022 | $0.00 | $0.00 | $0.40 | $0.00 | $0.00 | $0.40 | $0.00 | $0.00 | $0.42 | $0.00 | $0.00 | $0.42 | $1.64 |
| 2021 | $0.00 | $0.00 | $0.38 | $0.00 | $0.00 | $0.40 | $0.00 | $0.00 | $0.40 | $0.00 | $0.00 | $0.40 | $1.58 |
Dividend Yield & Payout
Dividend Yield
C&F Financial Corporation has a dividend yield of 2.55%, which is quite average when compared to the overall market.
Payout Ratio
C&F Financial Corporation has a payout ratio of 16.63%, which is below the market average. This means C&F Financial Corporation returns a smaller proportion of its earnings to shareholders as dividends, suggesting it retains a higher portion for reinvestment, growth, or debt payment.
Drawdowns
Drawdowns Chart
The Drawdowns chart displays portfolio losses from any high point along the way. Drawdowns are calculated considering price movements and all distributions paid, if any.
Loading graphics...
Worst Drawdowns
The table below displays the maximum drawdowns of the C&F Financial Corporation. A maximum drawdown is a measure of risk, indicating the largest reduction in portfolio value due to a series of losing trades.
The maximum drawdown for the C&F Financial Corporation was 72.93%, occurring on Mar 9, 2009. Recovery took 809 trading sessions.
The current C&F Financial Corporation drawdown is 13.03%.
Depth | Start | To Bottom | Bottom | To Recover | End | Total |
|---|---|---|---|---|---|---|
| -72.93% | Mar 8, 2007 | 505 | Mar 9, 2009 | 809 | May 22, 2012 | 1314 |
| -54.47% | Jul 27, 2018 | 436 | Apr 21, 2020 | 628 | Oct 17, 2022 | 1064 |
| -50.67% | Dec 18, 2023 | 82 | Apr 16, 2024 | 142 | Nov 6, 2024 | 224 |
| -50.26% | Oct 1, 1999 | 127 | Mar 31, 2000 | 487 | Mar 14, 2002 | 614 |
| -47.17% | Jul 24, 2013 | 198 | May 6, 2014 | 851 | Sep 20, 2017 | 1049 |
Volatility
Volatility Chart
The chart below shows the rolling one-month volatility.
Loading graphics...
Financials
Financial Performance
The chart below illustrates the trends in the financial health of C&F Financial Corporation over time, highlighting three key metrics: Total Revenue, Earnings Before Interest and Taxes (EBIT), and Net Income.
Valuation
The Valuation section provides an overview of how C&F Financial Corporation is priced in the market compared to other companies in the Banks - Regional industry. It includes key financial ratios that help investors assess whether the stock is undervalued or overvalued.
PE Ratio
The chart displays the Price-to-Earnings (P/E) ratio for CFFI, comparing it with other companies in the Banks - Regional industry. Currently, CFFI has a P/E ratio of 8.8. This P/E ratio is in line with the industry average, suggesting the stock may be fairly valued relative to its earnings.
PEG Ratio
The chart shows the Price/Earnings to Growth (PEG) ratio for CFFI compared to other companies in the Banks - Regional industry. CFFI currently has a PEG ratio of 2.8. This PEG ratio is higher than the industry average, which may suggest the stock is overvalued relative to its expected earnings growth.
PS Ratio
This chart shows the Price-to-Sales (P/S) ratio for CFFI relative to other companies in the Banks - Regional industry. Currently, CFFI has a P/S ratio of 1.4. This P/S ratio falls within the average range for the industry, suggesting the stock is fairly valued based on its revenue.
PB Ratio
The chart illustrates the Price-to-Book (P/B) ratio for CFFI in comparison with other companies in the Banks - Regional industry. Currently, CFFI has a P/B value of 0.9. This P/B ratio is in line with the industry average, suggesting the stock is valued fairly in relation to its book value.
Income Statement
| TTM | |
|---|---|
Revenue | — |
Total Revenue | — |
Cost Of Revenue | — |
Gross Profit | — |
Operating Expenses | — |
Selling, General & Admin Expenses | — |
R&D Expenses | — |
Depreciation And Amortization | — |
Total Operating Expenses | — |
Income | — |
Income Before Tax | — |
Operating Income | — |
EBITDA | — |
EBIT | — |
Earnings From Continuing Operations | — |
Net Income | — |
Income Tax Expense | — |
Other Non-Operating Income (Expenses) | — |
Extraordinary Items | — |
Discontinued Operations | — |
Effect Of Accounting Charges | — |
Non Recurring | — |
Minority Interest | — |
Other Items | — |
Interest Income | — |
Interest Expense | — |
Net Interest Income | — |