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. C-and-F Financial Corporation employs 545 staff and has a trailing 12-month revenue of around $125.4 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

• Key figures

Information last updated 2025-11-14.

52-week range	$52.08 - $86.29
50-day moving average The average share price over the last 50 days	$68.84
200-day moving average The average share price over the last 200 days	$68.42
Wall St. target price	$34.00
PE ratio The share price divided by earnings per share (EPS) over a trailing 12-month period	8.7042
Dividend yield The forward annual dividend yield estimated on recent dividend payouts	$1.82 (2.61%)
Earnings per share (TTM) The earnings per share over a trailing 12-month period	$8.08

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 $77.92 from 2026-02-13

1 week (2026-02-09)	-1.57%
1 month (2026-01-16)	10.78%
3 months (2025-11-14)	11.19%
6 months (2025-08-15)	13.60%

1 year (2025-02-14)	-7.05%
2 years (2024-02-16)	46.21%
3 years (2023-02-16)	39.60%
5 years (2021-02-16)	107.40%

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 9x. In other words, C-and-F Financial Corporation shares trade at around 9x 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	$125.4 million
Operating margin TTM	26.66%
Gross profit TTM	$125.4 million
Return on assets TTM	1%
Return on equity TTM	10.92%
Profit margin	20.87%
Book value	$78.23
Market Capitalization The total market value C-and-F Financial Corporation's outstanding shares	$227.7 million

TTM: trailing 12 months

C-and-F Financial Corporation share dividends

Dividend payout ratio: 22.5% 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 $1.82 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 September 2025. The latest dividend was paid out to all shareholders who bought their shares by 14 September 2025 (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 $52.0844 up to $86.2892. 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 0.345. 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 offers 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 agencies.

Frequently asked questions

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What percentage of C-and-F Financial Corporation is owned by insiders or institutions?
Currently 6.781% of C-and-F Financial Corporation shares are held by insiders and 42.385% by institutions. How many people work for C-and-F Financial Corporation?
Latest data suggests 545 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