How to buy C-and-F Financial Corporation stock | $49.48

C&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. C-and-F Financial Corporation employs 697 staff and has a trailing 12-month revenue of around 0.00.

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

• Key figures

Information last updated 2021-07-31.

Latest market close	$49.48
52-week range	$27.78 - $54.10
50-day moving average	$51.12
200-day moving average	$46.13
Wall St. target price	$34.00
PE ratio	6.4028
Dividend yield	$1.54 (2.95%)
Earnings per share (TTM)	$8.16

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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.

Technical Analysis of C&F Financial Corporation by TradingView

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 $49.48 from 2021-05-28

1 week (2021-07-25)	N/A
1 month (2021-07-02)	-6.68%
3 months (2021-05-05)	13.17%
6 months (2021-02-01)	N/A

1 year (2020-08-01)	N/A
2 years (2019-08-01)	N/A
3 years (2018-08-01)	N/A
5 years (2016-08-01)	N/A

Is C-and-F Financial Corporation under- or over-valued?

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 6x. In other words, C-and-F Financial Corporation shares trade at around 6x 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	$144.9 million
Operating margin TTM	29.81%
Gross profit TTM	$127.9 million
Return on assets TTM	1.46%
Return on equity TTM	15.74%
Profit margin	20.61%
Book value	$56.18
Market capitalisation	$187.7 million

TTM: trailing 12 months

Shorting C-and-F Financial Corporation shares

There are currently 18,990 C-and-F Financial Corporation shares held short by investors – that's known as C-and-F Financial Corporation's "short interest". This figure is 5.1% down from 20,006 last month.

There are a few different ways that this level of interest in shorting C-and-F Financial Corporation shares can be evaluated.

C-and-F Financial Corporation's "short interest ratio" (SIR)

C-and-F Financial Corporation's "short interest ratio" (SIR) is the quantity of C-and-F Financial Corporation shares currently shorted divided by the average quantity of C-and-F Financial Corporation shares traded daily (recently around 41282.608695652). C-and-F Financial Corporation's SIR currently stands at 0.46. In other words for every 100,000 C-and-F Financial Corporation shares traded daily on the market, roughly 460 shares are currently held short.

However C-and-F Financial Corporation's short interest can also be evaluated against the total number of C-and-F Financial Corporation shares, or, against the total number of tradable C-and-F Financial Corporation shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case C-and-F Financial Corporation's short interest could be expressed as 0.01% of the outstanding shares (for every 100,000 C-and-F Financial Corporation shares in existence, roughly 10 shares are currently held short) or 0.0056% of the tradable shares (for every 100,000 tradable C-and-F Financial Corporation shares, roughly 6 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against C-and-F Financial Corporation.

Find out more about how you can short C-and-F Financial Corporation stock.

C-and-F Financial Corporation share dividends

Dividend payout ratio: 24.42% of net profits

Recently C-and-F Financial Corporation has paid out, on average, around 24.42% of net profits as dividends. That has enabled analysts to estimate a "forward annual dividend yield" of 3.06% 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 3.06% return on their shares, in the form of dividend payments. In C-and-F Financial Corporation's case, that would currently equate to about $1.54 per share.

While C-and-F Financial Corporation's payout ratio might seem low, this can signify that C-and-F Financial Corporation is investing more in its future growth.

C-and-F Financial Corporation's most recent dividend payout was on 30 June 2021. The latest dividend was paid out to all shareholders who bought their shares by 13 June 2021 (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 $27.7754 up to $54.1. 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 0.5985. 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 the 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 company's 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. It also provides debit and credit cards; and safe deposit box rentals, notary public, electronic transfer, ATMs, internet and mobile banking, and other customary bank services. This segment provides its services through its main office in West Point, Virginia, as well as through 30 Virginia branches located one each in Albermarle, Goochland, Hanover, Middlesex, Powhatan, Stafford, and York, as well as the towns and cities of Charlottesville, Hampton, Montross, Newport News, Richmond, Warsaw, and Williamsburg; two each in the counties of Cumberland, James City, King George, and New Kent; and four each in the counties of Chesterfield and Henrico. The company's 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 for residential appraisals and third parties. It provides mortgage loan origination services through 14 offices in Virginia, one office in Maryland, and two offices in North Carolina, as well as through one each in South Carolina and West Virginia.

Frequently asked questions

What percentage of C-and-F Financial Corporation is owned by insiders or institutions?
Currently 5.864% of C-and-F Financial Corporation shares are held by insiders and 36.416% by institutions. How many people work for C-and-F Financial Corporation?
Latest data suggests 697 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