CFFI
C&F Financial Corporation
NasdaqGSUSDEQUITY
Financial Services
DELAYED
Strong buy
+66/100
Last price
102.21
▲ 2.75 (2.76%)
MARKET · —
Price
Chart style
Interval
Intraday intervals only cover recent history. The site picks the finest interval the range allows.
Overlays
Session levels
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Both series are rebased to 0% at the left edge, so the lines show relative performance rather than price.
Tool
1D
—
H —
L —
Range —
Vol —
vs
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Open
99.94
Prev close
99.46
Day high
102.30
Day low
99.04
Volume
40.40K
Market cap
$332.36M
P/E (TTM)
11.21
52W range
65.43 – 102.30
Day trading desk
Gap from prior close
+0.48%
Prior close 99.46
VWAP
100.42
+1.78% from price
Relative volume
0.77×
Normal
Session range
3.30%
99.04 – 102.30
Position in range
97%
Near session high
ATR (14D)
2.78
2.72% of price
Prior day high
100.00
PDH
Prior day low
96.98
PDL
Bid / ask spread
—
Quote not published
Session volume
37.42K
Avg 48.46K
VWAP and the session figures are computed from the delayed intraday series on this page, so they lag the live tape and will not match a broker's real-time VWAP exactly. Turn on Prior day H/L/C, Opening range and Volume profile in the chart's Studies menu to see these levels drawn on price.
Trailing performance
Returnvs SPY
1W
+3.09%
+1.1%
1M
+7.71%
+6.6%
3M
+29.94%
+25.4%
6M
+39.16%
+21.0%
YTD
+40.80%
+26.6%
1Y
+51.09%
+34.7%
3Y
+90.69%
+8.4%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on CFFI open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-3.79K
Net selling
Buy transactions
11
4.95K shares
Sell transactions
11
8.74K shares
Net transactions
+22
Buys less sells
Sell : buy shares
1.8 : 1
Mixed
Insider-held shares
212.40K
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Sep 4, 26 | CRONE DUSTIN S Officer |
SELL | 900 | $84.97K | Direct |
| Sep 4, 26 | DILLON LARRY G Officer and Director |
SELL | 1.00K | $95.07K | Direct |
| Aug 20, 26 | DILLON LARRY G Officer and Director |
SELL | 1.00K | $86.00K | Direct |
| Aug 5, 26 | PEAY D ANTHONY Director |
SELL | 425 | $36.52K | Direct |
| Aug 5, 26 | CHERRY THOMAS F Chief Executive Officer |
SELL | 500 | $43.56K | Direct |
| Aug 3, 26 | SEAMAN JOHN A III Officer |
SELL | 650 | $55.00K | Direct |
| Jun 12, 26 | CHERRY THOMAS F Chief Executive Officer |
SELL | 171 | $13.28K | Direct |
| Jun 10, 26 | CHERRY THOMAS F Chief Executive Officer |
SELL | 1.21K | $92.06K | Direct |
| Jun 5, 26 | LONG JASON E Chief Financial Officer |
SELL | 1.36K | $102.68K | Direct |
| May 27, 26 | CHERRY THOMAS F Chief Executive Officer |
SELL | 500 | $37.50K | Direct |
| May 13, 26 | KELLEY ELIZABETH RILEE Director |
SELL | 1.02K | $74.83K | Direct |
| Apr 21, 26 | OLSSON CHARLES ELIS Director |
STOCK | 450 | $0 | Direct |
| Apr 21, 26 | HOLMES AUDREY DALE Director |
STOCK | 450 | $0 | Direct |
| Apr 21, 26 | AGNEW JULIE RICHARDSON PH.D. Director |
STOCK | 450 | $0 | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
CAUSEY JOHN PAUL JR |
Director | 30.02K | Stock Award(Grant) |
CHERRY THOMAS F |
Chief Executive Officer | 38.87K | Sale |
CRONE DUSTIN S |
Officer | 8.38K | Sale |
DILLON LARRY G |
Officer and Director | 33.06K | Sale |
FOX MARK A |
Officer | 11.80K | Stock Award(Grant) |
HOLMES AUDREY DALE |
Director | 14.23K | Stock Award(Grant) |
LONG JASON E |
Chief Financial Officer | 10.08K | Sale |
MCKERNON BRYAN EDWIN |
Chief Executive Officer | 13.24K | Sale |
OLSSON CHARLES ELIS |
Director | 11.21K | Stock Award(Grant) |
ROBINSON PAUL C |
Director | 19.69K | Stock Award(Grant) |
Fundamentals
Market cap$332.36M
Enterprise value$387.37M
Revenue (TTM)$136.33M
Gross profit$136.33M
EBITDA—
Net income$29.09M
EPS (TTM)$9.12
Free cash flow—
Total cash$66.19M
Total debt$120.60M
Book value / share$85.46
Shares outstanding3.25M
Float3.03M
Short % of float1.65%
Dividend yield1.92%
Beta (5Y)0.34
Valuation & profitability ratios
Trailing P/E11.21
Forward P/E10.23
PEG ratio-31.32
Price / sales—
Price / book1.20
EV / revenue2.84
EV / EBITDA—
Gross margin0.00%
Operating margin28.44%
Profit margin21.34%
Return on equity11.27%
Return on assets1.06%
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | — | — | $123.33M | $115.56M | $131.62M | — |
| Operating revenue | $136.96M | $123.69M | $123.33M | $115.56M | — | +10.7% |
| Selling, general & admin | $60.86M | $56.62M | $58.08M | $50.72M | — | +7.5% |
| Pre-tax income | $33.07M | $24.13M | $29.16M | $36.96M | — | +37.0% |
| Tax provision | $6.08M | $4.21M | $5.42M | $7.59M | — | +44.2% |
| Net income | $26.84M | $19.83M | $23.60M | $29.16M | — | +35.3% |
| Net income to common | $26.84M | $19.83M | $23.60M | $29.16M | — | +35.3% |
| Basic EPS | 8.29 | 6.01 | 6.92 | 8.29 | — | +37.9% |
| Diluted EPS | 8.29 | 6.01 | 6.92 | 8.29 | — | +37.9% |
| Basic shares | 3.24M | 3.30M | 3.41M | 3.52M | — | -1.9% |
| Diluted shares | 3.24M | 3.30M | 3.41M | 3.52M | — | -1.9% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $79.13M | $65.59M | $75.16M | $26.66M | +20.7% |
| Accounts receivable | $11.73M | $10.59M | $10.40M | $8.98M | +10.7% |
| Property, plant & equipment | $39.20M | $40.12M | $41.91M | $43.85M | -2.3% |
| Goodwill & intangibles | $26.10M | $26.34M | $26.60M | $26.87M | -0.9% |
| Total assets | $2.77B | $2.56B | $2.44B | $2.33B | +8.0% |
| Current debt | $20.00M | $28.99M | $58.22M | $36.59M | -31.0% |
| Long-term debt | $93.33M | $93.61M | $51.32M | $55.49M | -0.3% |
| Total debt | $113.33M | $122.61M | $109.54M | $92.08M | -7.6% |
| Total liabilities | $2.51B | $2.34B | $2.22B | $2.14B | +7.3% |
| Retained earnings | $268.70M | $247.81M | $233.76M | $217.21M | +8.4% |
| Shareholder equity | $261.75M | $226.36M | $216.88M | $195.63M | +15.6% |
| Net tangible assets | $235.65M | $200.02M | $190.28M | $168.76M | +17.8% |
| Shares issued | 3.25M | 3.23M | 3.37M | 3.48M | +0.4% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $26.99M | $19.92M | $23.75M | $29.37M | +35.5% |
| Depreciation & amortisation | $3.92M | $3.86M | $3.88M | $4.36M | +1.7% |
| Stock-based compensation | $1.85M | $1.92M | $1.99M | $1.97M | -4.0% |
| Change in working capital | $1.06M | $7.00M | -$1.20M | -$9.40M | -84.9% |
| Operating cash flow | $24.49M | $36.77M | $38.81M | $90.56M | -33.4% |
| Capital expenditure | -$2.33M | -$3.49M | -$1.46M | -$3.39M | +33.2% |
| Investing cash flow | -$169.35M | -$146.92M | -$56.34M | -$411.28M | -15.3% |
| Share buybacks | -$943.00K | -$8.76M | -$7.76M | -$5.37M | +89.2% |
| Dividends paid | -$5.95M | -$5.78M | -$5.99M | -$5.76M | -3.0% |
| Financing cash flow | $158.41M | $100.58M | $66.03M | $79.64M | +57.5% |
| Free cash flow | $22.16M | $33.28M | $37.35M | $87.17M | -33.4% |
| End cash position | $79.13M | $65.59M | $75.16M | $26.66M | +20.7% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $31.62M | $35.01M | $34.80M | $34.99M | $35.48M | -9.7% |
| Operating revenue | $31.62M | $35.01M | $34.80M | $34.99M | $35.48M | -9.7% |
| Selling, general & admin | $17.39M | $15.13M | $15.52M | $15.33M | $15.67M | +14.9% |
| Pre-tax income | $10.87M | $8.34M | $8.09M | $8.83M | $9.63M | +30.3% |
| Tax provision | $2.24M | $1.55M | $1.38M | $1.72M | $1.86M | +44.7% |
| Net income | $8.56M | $6.75M | $6.70M | $7.08M | $7.69M | +26.9% |
| Net income to common | $8.56M | $6.75M | $6.70M | $7.08M | $7.69M | +26.9% |
| Basic EPS | 2.63 | 2.08 | 2.07 | 2.18 | 2.37 | +26.4% |
| Diluted EPS | 2.63 | 2.08 | 2.07 | 2.18 | 2.37 | +26.4% |
| Basic shares | 3.25M | 3.25M | 3.24M | 3.24M | 3.24M | +0.1% |
| Diluted shares | 3.25M | 3.25M | 3.24M | 3.24M | 3.24M | +0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $62.11M | $77.43M | $79.13M | $96.09M | $80.19M | — | -19.8% |
| Accounts receivable | $11.77M | $11.75M | $11.73M | $10.96M | $10.93M | — | +0.1% |
| Property, plant & equipment | $40.33M | $38.73M | $39.20M | $39.26M | $39.33M | — | +4.1% |
| Goodwill & intangibles | $26.05M | $26.07M | $26.10M | $26.15M | $26.21M | — | -0.1% |
| Total assets | $2.81B | $2.81B | $2.77B | $2.71B | $2.69B | — | -0.1% |
| Current debt | — | $20.00M | $20.00M | $20.00M | $42.64M | $35.91M | — |
| Long-term debt | $118.17M | $83.25M | $93.33M | $93.41M | $103.49M | — | +41.9% |
| Total debt | $118.17M | $103.25M | $113.33M | $113.41M | $146.13M | — | +14.5% |
| Total liabilities | $2.53B | $2.55B | $2.51B | $2.46B | $2.45B | — | -0.6% |
| Retained earnings | $280.88M | $273.88M | $268.70M | $263.48M | $257.90M | — | +2.6% |
| Shareholder equity | $277.79M | $265.47M | $261.75M | $253.28M | $240.31M | — | +4.6% |
| Net tangible assets | $251.74M | $239.40M | $235.65M | $227.13M | $214.10M | — | +5.2% |
| Shares issued | 3.25M | 3.25M | 3.25M | 3.24M | 3.24M | — | +0.1% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $8.63M | $6.79M | $6.72M | $7.11M | $7.77M | +27.0% |
| Depreciation & amortisation | $950.00K | $940.00K | $971.00K | $968.00K | $996.00K | +1.1% |
| Stock-based compensation | $547.00K | $514.00K | $487.00K | $444.00K | $455.00K | +6.4% |
| Change in working capital | $1.47M | -$173.00K | -$183.00K | -$469.00K | $1.64M | +952.0% |
| Operating cash flow | $24.69M | -$7.57M | $2.23M | $23.44M | -$4.39M | +426.1% |
| Capital expenditure | -$2.41M | -$322.00K | -$756.00K | -$740.00K | -$566.00K | -647.8% |
| Investing cash flow | -$18.79M | -$35.58M | -$64.76M | -$14.98M | -$56.07M | +47.2% |
| Share buybacks | -$367.00K | -$614.00K | -$507.00K | $0 | -$10.00K | +40.2% |
| Dividends paid | -$1.56M | -$1.56M | -$1.49M | -$1.49M | -$1.49M | -0.1% |
| Financing cash flow | -$21.22M | $41.45M | $45.57M | $7.44M | $64.70M | -151.2% |
| Free cash flow | $22.29M | -$7.89M | $1.47M | $22.70M | -$4.95M | +382.3% |
| End cash position | $62.11M | $77.43M | $79.13M | $96.09M | $80.19M | -19.8% |
Options analytics
Put / call volume
—
—
Put / call open interest
—
Positioning, not flow
Max pain
—
—
ATM implied vol
—
Nearest strike to spot
Skew (10% OTM)
—
—
Call volume
0
Contracts, this expiry
Put volume
0
Contracts, this expiry
Heaviest call OI
—
—
Heaviest put OI
—
—
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | — | 2.63 | — |
| Jun 2013 | — | 1.22 | — |
| Dec 2012 | — | 1.17 | — |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 2.46 | 1 | $40.50M | — |
| Next quarter | 2.48 | 1 | $41.70M | — |
| Current year | 9.42 | 1 | $158.80M | — |
| Next year | 9.99 | 1 | $173.80M | +9.5% |
Analyst targets & ownership
Mean target$115.00
High target$115.00
Low target$115.00
Implied upside12.51%
Analyst count1
ConsensusSTRONG BUY
Strong buy / Buy0 / 1
Hold0
Sell / Strong sell0 / 0
Held by insiders6.53%
Held by institutions42.18%
Institutions holding121
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
96.66
+5.74% from price
SMA 20
95.49
+7.03% from price
SMA 50
91.09
+12.21% from price
SMA 100
84.05
+21.60% from price
SMA 200
79.06
+29.29% from price
EMA 12
97.20
+5.16% from price
EMA 26
94.75
+7.88% from price
EMA 50
91.33
+11.92% from price
RSI (14)
70.3
Overbought
MACD (12,26,9)
2.45
Hist 0.44
ATR (14)
2.78
2.72% of price
Realised vol 30D
25.3%
Annualised
Bollinger upper
100.78
20, 2σ
Bollinger lower
90.20
20, 2σ
50 / 200 cross
Golden
91.09 vs 79.06
Trend bias
Above 200
+29.29%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.13
Less volatile than market
Correlation to SPY
0.05
Largely independent
Realised vol 30D
25.3%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-13.6%
Peak to trough
Max drawdown 5Y
-51.1%
Peak to trough
ATR 14
2.78
2.72% of price
Beta (reported)
0.34
5Y monthly, from filing
Short interest
Shares short
50.19K
Prior 33.91K
Change vs prior
+48.0%
Shorts adding
% of float
1.65%
Normal
% of shares out
1.54%
Against total outstanding
Days to cover
0.7
Liquid
Float
3.03M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| Sep 29, 26 | DA Davidson | INITIATED | — | Buy |
Dividends & splits
Forward rate$1.92 / yr
Forward yield1.92%
5-year avg yield2.85%
Payout ratio20.98%
Ex-dividend dateSep 15, 2026
Next pay dateOct 1, 2026
Last split2:1
Split dateJul 21, 1998
SEC filings
Corporate Changes & Voting Matters
8-K · 2026-08-19
Periodic Financial Reports
10-Q · 2026-08-10
Corporate Changes & Voting Matters
8-K · 2026-07-23
Corporate Changes & Voting Matters
8-K · 2026-06-18
Annual report of employee stock purchase
11-K · 2026-06-17
Corporate Changes & Voting Matters
8-K · 2026-05-20
Periodic Financial Reports
10-Q · 2026-05-11
Corporate Changes & Voting Matters
8-K · 2026-05-08
Headlines
CFFI Gains 35% in a Year: Is More Upside Ahead for the Stock?
Zacks · 15d ago
Top Research Reports for Amgen, Thermo Fisher & Pepsi
Zacks · 43d ago
C&F Financial Corporation Announces Quarterly Dividend
GlobeNewswire · 48d ago
CFFI Q2 Earnings Rise Y/Y on Loan Growth & Margin Gains
Zacks · 75d ago
C&F: Q2 Earnings Snapshot
Associated Press · 76d ago
C&F Financial Corporation Announces Net Income for Second Quarter and First Six Months
GlobeNewswire · 76d ago
C&F Announces Expansion into Lynchburg Market
GlobeNewswire · 77d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
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