C AND F FINANCIAL CORP (CFFI)
Financials · Regional Banks · NASDAQ
A Virginia-based bank holding company providing community banking, residential mortgage lending, and consumer finance services.
What C AND F FINANCIAL CORP does
C&F Financial Corporation is a bank holding company that operates through its subsidiary, Citizens and Farmers Bank. The company conducts business in three primary segments: community banking, which offers a range of loan and deposit services in Virginia; mortgage banking, which provides residential mortgage origination services; and consumer finance.
Themes: community banking, mortgage lending, consumer finance, wealth management
Fundamentals
- Price$84.94 as of 2026-08-21 close
- Market cap$276M as of 2026-08-21
- 1-year return+26.2% 2025-08-21 close $67.32 → 2026-08-21 close $84.94
- P/E9.75 as of 2026-08-24
- Net margin+22.1% as of 2026-08-24
- ROE+11.0% as of 2026-08-24
- Debt / equity0.26 as of 2026-08-24
- Revenue growth (YoY)+25.0% as of 2026-08-24
- Revenue CAGR (3y)+4.7% SEC XBRL
- Beta0.34 as of 2026-08-24
- Last reported earnings2026-07-23 SEC EDGAR Form 8-K (Item 2.02)
Dividend: yield +2.9%; at least 5 years of non-decreasing per-share dividends (SEC XBRL) — we do not hold the year before it, so the real streak may be longer.
How CFFI compares in its sector
- price-to-earnings ratiobottom 25% 525 covered Financials peers, as of 2026-08-24
- net profit marginmiddle range 538 covered Financials peers, as of 2026-08-24
- operating marginmiddle range 534 covered Financials peers, as of 2026-08-24
- return on equitymiddle range 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRmiddle range 347 covered Financials peers
- indicated dividend yieldmiddle range 453 covered Financials peers, as of 2026-08-24
- free cash flow (absolute dollars, latest fiscal year)bottom 25% 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Dividend coverage (FY2025)
Covered by reported results. In FY2025, CFFI's dividend was covered by reported results (earnings payout 22%, free-cash-flow payout 27%). This describes past coverage, not a forecast.
- Earnings payout22% dividends / net income
- Free-cash-flow payout27% dividends / (operating cash flow − capex)
Coverage derived from reported SEC EDGAR XBRL figures for FY2025 (dividends paid vs. net income and free cash flow, same fiscal year). This describes PAST coverage for one fiscal year — it does not predict whether a dividend will be maintained, raised, or cut, and a one-year payout ratio can be distorted by non-recurring items. Informational only — not financial advice.
How C AND F FINANCIAL CORP looks technically
C AND F FINANCIAL CORP (CFFI) is trading 12.9% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 211 trading days ago — a "golden cross", a bullish long-term signal. A strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with buyers in control. Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 51, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bearish about 1 trading day ago (its momentum flipped negative). It made a new 20-day high about 2 trading days ago.
Trend
8
| Distance from the 200-day | it is trading 12.9% above its 200-day average, the long-term trend line — a longer-term uptrend | +12.9% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $81.75 | $81.75 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $75.25 | $75.25 |
| Swing structure | each recent peak has been higher than the one before it and each dip has been shallower — the pattern chart-watchers call an uptrend, which describes where price has already been and not where it goes next | higher highs and higher lows |
| Last swing turn | its last significant turn was a swing low 16 calendar days ago — the swings before that are what the structure reading is measured on | 16 sessions |
| Wave structure | its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five; the labelling fails if price closes below 81.54. It is one of several labellings that fit, and it describes the swings already printed, not what comes next. The same swings also read as a three-part correction in leg C. | possible upward five-wave sequence, in wave 3 (one of several readings) |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 211 trading days ago — a "golden cross", a bullish long-term signal | 211 sessions |
| Trend strength (14-day ADX) | a strong uptrend is in place — ADX, a 0–100 trend-strength gauge, is 30, with buyers in control | 30.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 51, neither overbought (above 70) nor oversold (below 30) | 50.8 |
|---|---|---|
| Position in its 14-day range | it is trading in the lower half of its 14-day range ($81.54 to $92.00) — its "stochastic" reading is 33 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been slipping within that range over the last few sessions. | 32.5 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bearish about 1 trading day ago (its momentum flipped negative) | 1 session |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $92.00 | $92.00 |
|---|---|---|
| From the 52-week high | it is 7.7% below its 52-week high (its highest price of the past year) | -7.7% |
| Above the 52-week low | it is 31.3% above its 52-week low (its lowest price of the past year) | +31.3% |
| Below the 52-week high | it is 7.7% below its highest point of the past year | 7.7% |
| Since a 20-day breakout | it made a new 20-day high about 2 trading days ago | 2 sessions |
| Since a 55-day breakout | it made a new 55-day high about 2 trading days ago | 2 sessions |
| All-time high | its highest closing price on record is $92.00 (set on 2026-08-17) | $92.00 |
| Given back of the 52-week move | over the past year its closes ranged ($65.18 to $88.84), and it has given back roughly a quarter of its rise from last year’s low — 16% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $73.46 to $74.22. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 16.5% |
| From the all-time high | it is 7.7% below its all-time high | -7.7% |
| Nearest price level | it is trading 4.5% above a support level at $81.08 — a price it turned at five times since 2024-12-11, most recently on 2026-08-05. Since 2024-08-21 it has 12 such levels below the current price and 1 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | -4.5% |
| All-time low | its lowest closing price on record is $10.30 (set on 2009-03-09) | $10.30 |
| Above the all-time low | it is 724.7% above its all-time low | +724.7% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 54th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $2.73 between its high and its low — about 3.2% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $2.73 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $80.92 and $90.75 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $80.92 – $85.83 – $90.75 |
| Typical daily range (% of price) | its price moves about 3.2% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.2% |
| Stretch from the 200-day average | it is trading 3.6 daily ranges above its 200-day average price (12.9% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 3.6 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 1.04× |
|---|
Candlestick patterns
2
| Since a doji | 3 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 3 sessions ago |
|---|---|---|
| Since a hammer | 6 sessions ago, after a stretch of decline, it sold off hard during the session and then closed back near its high — a "hammer", the long lower wick showing the drop was bought back before the close | 6 sessions ago |
Price gaps
3
| Gap at the open | it opened on 2026-08-21 0.2% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and had not traded back through that level by the close | -0.2% |
|---|---|---|
| Open gap | it gapped 4.6% above the previous close 18 sessions ago and has not traded back through the level it left behind at 79.38 — an "unfilled gap", which describes a price range no trade has since crossed and is not a forecast that it will be crossed | +4.6% |
| Gap filled | a 2.3% gap up opened on 2026-08-12 has been "filled" 1 session ago — price traded back through the level the gap left behind, and it took 6 sessions to close | 1 session ago |
Price streaks
1
| Closing streak | it closed lower in its latest session, after a session that did not close lower — a single down day rather than a run | 1 session down |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 7.8 percentage points (the stock gained 10.1% while the market gained 2.3%) | +7.8% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 12.9 percentage points (the stock gained 16.0% while the market gained 3.1%) | +12.9% |
| vs market, 6 months | over the past 6 months this stock lagged the market by 0.2 percentage points (the stock gained 10.9% while the market gained 11.1%) | -0.2% |
| vs market, 12 months | over the past 12 months this stock beat the market by 5.7 percentage points (the stock gained 26.2% while the market gained 20.5%) | +5.7% |
Signal agreement
2
| Bullish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bullish state: a strong uptrend, with buyers in control, a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, a fresh 20-day high, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 5 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: MACD momentum is negative, lagging the market over 6 months — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 7.6% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is thin, spanning 1.4% of the share price, which is taken to mean a barrier that gives way easily. | +7.6% |
|---|
Volume-weighted price
1
| Vs this year’s average price paid | the price is 5% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $80.90 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +5.0% |
|---|
Price levels it has turned at before
CFFI last closed at $84.94 on 2026-08-21. Since 2024-08-21 it has turned at 12 prices below its last close and 1 above; the 3 nearest below and the nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $81.08 | Support | 4.5% below the last close | turned there five times · 2024-12-11 to 2026-08-05 |
| $89.83 | Resistance | 5.8% above the last close | turned there twice · 2025-02-10 to 2026-08-05 |
| $79.09 | Support | 6.9% below the last close | turned there six times · 2024-11-26 to 2026-05-07 |
| $76.53 | Support | 9.9% below the last close | turned there four times · 2025-01-21 to 2026-07-21 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
Its recent swings can be read as a five-part upward sequence — what Elliott-wave chartists call an impulse — now in leg 3 of five.
This labelling fails — stops being a possible reading at all — if it closes below $81.54.
This is one of several labellings that fit the same swings, so treat it as a reading rather than the reading. It was chosen from 2 labellings that survived the rules, counting shorter readings of the same bars.
On past moves of this shape the leg has usually ended somewhere between $94.80 and $102.99 — that is where it has tended to end if the count holds, not a forecast of where the price goes.
Alternate reading: The same swings also read as a three-part correction in leg C, which fails on a close below $81.54.
This labelling was already in place when we began recording count changes on 2026-08-13, so how long it has stood is not something we can say yet.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Broke out to a new 20-day high · MACD just crossed bearish (12/26/9) · in a strong, established uptrend (ADX) · Trading above the Ichimoku cloud · Elliott wave 3 candidates | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Key risks (from latest filing)
["Interest rate risk affecting net interest margins and loan demand","Credit risk associated with the loan portfolio","Market risk related to the secondary mortgage market for loan sales"]
What changed in the latest 10-Q
AI-assisted comparison of CFFI's 10-Q filed 2026-05-11 against the prior one filed 2025-11-04.
Management's Discussion & Analysis (MD&A)
- Added:
- Subsequent to March 31, 2026, the Corporation completed the sale of its membership interest in Bearing Insurance Group, LLC to an unaffiliated third party, effective May 1, 2026 (newer filing)
- Reference to Part I, Item 1, 'Financial Statements' under the heading 'Note 14: Subsequent Events' regarding impact on second quarter 2026 financial results (newer filing)
- The Corporation has a share repurchase program effective January 1, 2026 through December 31, 2026, authorized to repurchase up to $5.0 million (newer filing)
- During the first quarter of 2026, the Corporation repurchased 4,279 shares, or $309,000 (newer filing)
- Removed:
- Nine Months Ended data table columns (older filing contained nine-month comparison data)
- Community banking segment loans grew $91.4 million, or 8.4 percent annualized, compared to December 31, 2024 (older filing)
- Community banking segment net reversal of provision for credit losses detail comparing 2025 to 2024 (older filing)
- Consumer finance segment provision for credit losses comparison and net charge-off rate detail for 2025 vs 2024 (older filing)
- Mortgage banking segment loan originations increase detail of $10.1 million comparing third quarter 2025 to 2024 and quarterly comparison (older filing)
- The Corporation expanded into Southwest Virginia with the opening of a new loan production office in Roanoke in July 2025 (older filing)
- Accumulated other comprehensive loss detail explaining decrease to $12.9 million at September 30, 2025, compared to $23.7 million at December 31, 2024 (older filing)
- Reworded:
- Period comparison changed from 'Three Months Ended September 30, 2025 vs. 2024' to 'Three Months Ended March 31, 2026 vs. 2025' (newer vs. older filing)
- Return on average assets changed from 'Annualized' label to no label, format remained percentage (newer filing)
- Return on average equity changed from 'Annualized' label to no label, format remained percentage (newer filing)
- Return on average tangible common equity (ROTCE) changed from 'Annualized' label to no label (newer filing)
- Tangible book value per share changed from $70.15 at September 30, 2025 to $73.70 at March 31, 2026 (newer filing)
- Book value per share changed from $78.23 at September 30, 2025 to $81.73 at March 31, 2026 (newer filing)
- Quarterly cash dividend changed from 46 cents per share in third quarter 2025 to 48 cents per share in first quarter 2026 (newer filing)
- Dividend payout ratio changed from 21.1 percent to 23.1 percent (newer vs. older filing)
- Consolidated annualized net interest margin changed from 4.24 percent (third quarter 2025) to 4.27 percent (first quarter 2026) (newer filing)
- Notes:
- The two filings compare different reporting periods (Q1 2026 vs. Q1 2025 in newer; Q3 2025 vs. Q3 2024 in older), limiting direct comparability of year-over-year trends
- Older filing text appears truncated at the end of the provided excerpt
Risk Factors
- Reworded:
- Page numbers for 'Item 1A. Risk Factors' changed from 76 (filed 2025-11-04) to 66 (filed 2026-05-11)
- Page numbers for 'Item 2. Unregistered Sales of Equity Securities and Use of Proceeds' changed from 76 (filed 2025-11-04) to 66 (filed 2026-05-11)
- Page numbers for 'Item 5. Other Information' changed from 76 (filed 2025-11-04) to 66 (filed 2026-05-11)
- Page numbers for 'Item 6. Exhibits' changed from 77 (filed 2025-11-04) to 67 (filed 2026-05-11)
- Page numbers for 'Signatures' changed from 78 (filed 2025-11-04) to 68 (filed 2026-05-11)
- Balance sheet comparison date changed from 'September 30, 2025 and December 31, 2024' (filed 2025-11-04) to 'March 31, 2026 and December 31, 2025' (filed 2026-05-11)
- Income statement comparison period changed from 'Three Months and Nine Months Ended September 30, 2025 and 2024' (filed 2025-11-04) to 'Three Months Ended March 31, 2026 and 2025' (filed 2026-05-11)
- Comprehensive income statement comparison period changed from 'Three Months and Nine Months Ended September 30, 2025 and 2024' (filed 2025-11-04) to 'Three Months Ended March 31, 2026 and 2025' (filed 2026-05-11)
- Equity statement comparison period changed from 'Three Months Ended September 30, 2025 and 2024' (filed 2025-11-04) to 'Three Months Ended March 31, 2026 and 2025' (filed 2026-05-11)
- Notes:
- The two filings cover different interim periods (Q1 2026 vs Q3 2025) and therefore contain different financial data; changes in financial figures reflect the different reporting periods rather than operational changes
- The newer filing provides only quarterly financial statements while the older filing provides both quarterly and nine-month data
- Both filings are 10-Q forms but represent different quarters in different fiscal years
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 8 open-market sales by insiders in the last 90 days.
- Last 30 days0 buys · 1 sell ($54997) — 1 selling insider
- Last 90 days0 buys · 8 sells ($300515) — 3 selling insiders
- Last 180 days0 buys · 9 sells ($375340) — 4 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-08-03. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about CFFI's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding CFFI as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 306,420
- Reported value $22,370,818
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 2 increased, 2 decreased, 0 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
CFFI had 32,097 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
CFFI had 0.99% of its shares outstanding sold short as of the 2026-07-31 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 6.12 days to cover at the same settlement.
- Reported short interest (shares) 32,097
- Short interest (% of shares outstanding) 0.99%
- Prior settlement (shares) 32,305
- Reported change -0.64%
- Days to cover (reported) 6.12
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does C AND F FINANCIAL CORP (CFFI) do?
C&F Financial Corporation is a bank holding company that operates through its subsidiary, Citizens and Farmers Bank. The company conducts business in three primary segments: community banking, which offers a range of loan and deposit services in Virginia; mortgage banking, which provides residential mortgage origination services; and consumer finance.
What sector is C AND F FINANCIAL CORP (CFFI) in?
C AND F FINANCIAL CORP (CFFI) is classified in the Financials sector. Its industry is Regional Banks. It trades on NASDAQ.
Does CFFI pay a dividend?
Yes — C AND F FINANCIAL CORP (CFFI) pays a dividend, with an indicated yield of about 2.92% and at least 5 years of non-decreasing per-share dividends (SEC EDGAR XBRL) — we do not hold the year before it, so the real streak may be longer (market data, as of 2026-08-24). Informational only — not financial advice.
Who are C AND F FINANCIAL CORP's (CFFI) competitors?
Notable peers of C AND F FINANCIAL CORP (CFFI) include TowneBank, Atlantic Union Bankshares, Fulton Financial and United Bankshares. This peer set is informational only — not financial advice.
Is C AND F FINANCIAL CORP (CFFI) overbought or oversold right now?
C AND F FINANCIAL CORP (CFFI) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 51, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on CFFI come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.