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C&F Financial Corporation (CFFI)
Performance
Return for Risk
Dividends
Drawdowns
Volatility
Financials

Company Info

ISIN
US12466Q1040
CUSIP
12466Q104
IPO Date
Jan 22, 1998

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


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C&F Financial Corporation

Often compared with CFFI:
CFFI vs. NXSTCFFI vs. VOO

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.


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S&P 500 Index

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%
*Multi-year figures are annualized to reflect compound growth (CAGR)

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%.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
20263.73%-3.29%0.84%1.16%
20257.26%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%
20234.67%-6.17%-8.92%2.98%-4.69%6.64%4.71%-5.18%1.36%-1.75%10.79%17.68%20.69%
20220.02%-1.70%1.21%2.51%-1.47%-9.20%-4.00%10.47%10.65%5.72%-0.97%4.77%17.47%
20216.09%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
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.


CFFI Risk / Return Rank: 4949
Overall Rank
CFFI Sharpe Ratio Rank: 5252
Sharpe Ratio Rank
CFFI Sortino Ratio Rank: 4646
Sortino Ratio Rank
CFFI Omega Ratio Rank: 4545
Omega Ratio Rank
CFFI Calmar Ratio Rank: 5050
Calmar Ratio Rank
CFFI Martin Ratio Rank: 5454
Martin Ratio Rank
The rank (0–100) shows how this investment's returns compare to the risk taken. Higher = better. Based on the past 12 months of data, combining Sharpe, Sortino, and other metrics used by quantitative funds and institutional investors.

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).


CFFIBenchmarkDifference

Sharpe ratio

Return per unit of total volatility

0.31

0.90

-0.59

Sortino ratio

Return per unit of downside risk

0.69

1.39

-0.70

Omega ratio

Gain probability vs. loss probability

1.08

1.21

-0.13

Calmar ratio

Return relative to maximum drawdown

0.41

1.40

-0.99

Martin ratio

Return relative to average drawdown

1.11

6.61

-5.50

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.


2.50%3.00%3.50%4.00%$0.00$0.50$1.00$1.50$2.0020152016201720182019202020212022202320242025
Dividends
Dividend Yield
PeriodTTM20252024202320222021202020192018201720162015
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.


JanFebMarAprMayJunJulAugSepOctNovDecTotal
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.


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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, 2007505Mar 9, 2009809May 22, 20121314
-54.47%Jul 27, 2018436Apr 21, 2020628Oct 17, 20221064
-50.67%Dec 18, 202382Apr 16, 2024142Nov 6, 2024224
-50.26%Oct 1, 1999127Mar 31, 2000487Mar 14, 2002614
-47.17%Jul 24, 2013198May 6, 2014851Sep 20, 20171049

Volatility

Volatility Chart

The chart below shows the rolling one-month volatility.


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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.


Annual
Quarterly

0.0

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

Values in undefined except per share items