CF
CFFI
—
Nasdaq
Banks
C & F Financial Corp
Last 30 days
1D5D1M3M6MYTD1Y5YMax
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Mcap
273,2M USD
P/E
9,1x
EV / Rev
1,9x
Div yield
2,45 %
Op margin
—
ROE
10,1 %
Net margin
19,1 %
Debt / equity
0,08
Beta
—
52w range
—
Volume
—
Day range
—
Prev close
$77,85
Open
—
Next earnings
2026-10-28
Ex-dividend
—
TR 1Y
—
About
C & F FINANCIAL CORP is classified under Financials / Banks and appears profitable on the latest normalized snapshot.
Business. C & F Financial Corp (CFFI) is a bank headquartered in the United States that operates within the Banking & Investment Services sector. The company generates revenue primarily through interest income, consistent with standard banking activities. It is listed on the Nasdaq stock exchange. Specific details regarding operating segments or geographic breakdowns are not provided.
Classification99 %
SectorFinancials
Industry groupBanks
Generated · rules-based
Sell-side consensus
—consensus pending
— buy— hold— sell
Avg 12m price target—
At a glance
Score
—
not yet scored
Valuation→
9,1x
P/E
Analysts
—
not yet wired
Ownership→
Dimensional Fund Advisors, L.P.
largest disclosed fund holder
Profitability→
10,1 %
return on equity
Quality
—
not yet scored
What drives this business
The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.
— missing data
News & coverage
0Sector rotation
Sector1D1Mvs mkt
Materials+2,3 %+6,6 %+1,7 %
Communication Services+2,2 %−5,5 %+1,6 %
Energy+0,6 %+3,3 %+0,0 %
Health Care+0,6 %−0,8 %+0,0 %
Information Technology+0,6 %+6,7 %+0,0 %
Consumer Discretionary+0,4 %+7,6 %−0,2 %
Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
Consumer Staples−0,4 %+2,5 %−1,0 %
Real Estate−0,7 %+10,9 %−1,3 %
Industrials−1,9 %−3,1 %−2,5 %
Utilities−1,9 %+28,2 %−2,5 %
Developing storylines
No tracked sagas currently linked to CFFI. Browse all sagas →
Analysis
AI analysis
Generated · analysis pipeline · tier hybrid · as of 2026-08-04
↑ At a glance
Opportunity
— missing data
Upcoming catalysts
Scheduled public events. Informational only — not investment advice.
- Company
- EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Briefing · model-assisted
C & F Financial Corp (CFFI) has seen a notable influx of new institutional investors, marking a shift in its shareholder base. Recent data reveals multiple "add" signals for various holders, with positions established as of March 31, 2026, and June 30, 2024. Among the most significant new entries is an investor holding 183,607 shares valued at approximately $13.4 million as of March 31, 2026, representing a weight of roughly 0.28% in their portfolio. Other notable additions include holdings of 44,045 shares valued at $3.2 million and 31,735 shares valued at $1.5 million, indicating growing interest from diverse capital sources. This expansion in the investor roster is particularly relevant given that CFFI currently has no analyst coverage and is not a member of any major indices. With zero analysts tracking the stock, the entry of these new holders may signal independent due diligence and confidence in the company's fundamentals rather than momentum driven by broader market consensus or index rebalancing. The absence of analyst ratings means that price discovery and valuation are likely being driven more directly by these institutional flows and the company's reported financials. The company's structure remains lean, with only two officers managing operations, which may appeal to investors seeking streamlined governance. While the top holder count stands at 19, the recent additions suggest a broadening of the ownership base beyond existing major stakeholders. This diversification could potentially enhance liquidity and stability for the stock, as the concentration of ownership is distributed among a wider array of institutional participants. As this is the first analysis for CFFI, there is no prior basis for computing delta changes in performance or metrics. However, the accumulation of these new positions provides a foundational snapshot of institutional sentiment. The significance of these changes lies in the validation of the company's investment thesis by external capital, offering a counterpoint to the lack of sell-side research and index inclusion. Investors may view these additions as a positive indicator of underlying value recognition in the absence of traditional market signals.
Signals & dispatch
peak dispatch · —
Composite-score breakdown
Synthesis
Business
C & F Financial Corp (CFFI) is a bank headquartered in the United States that operates within the Banking & Investment Services sector. The company generates revenue primarily through interest income, consistent with standard banking activities. It is listed on the Nasdaq stock exchange. Specific details regarding operating segments or geographic breakdowns are not provided.
Classification99 %
SectorFinancials
Industry groupBanks
AI synthesis
GENERATEDC & F FINANCIAL CORP (CFFI) is currently classified as Commercial Banks within Banks (Financials). Classification confidence: 0.98 (rule-based classification). Capital structure on the latest snapshot: total assets 2,813,748,000 USD, total equity 265,470,000, short-term debt 20,000,000, long-term debt 0. Net cash position is approximately -20,000,000 USD. Self-calculated market cap is 243,636,375 USD (market_price × shares_outstanding_diluted). Profitability profile: revenue 36,259,000, gross profit 0, operating income 0, net income 6,747,000. Return on equity ~10.1%. Return on assets ~0.9%. Operating-cash-flow to net-income ratio is 0.91. Risk profile from automated assessment: liquidity risk medium, dilution risk medium. Flags: Net cash is negative after subtracting total debt.; Source documents mention dilution or offering risk.. Recent news context: [TRIGGER] 8-K: 8-K (sec_8k_material) on CFFI — filing_type=8-K; max_severity=medium; ignored_items=['9.01']; material_items=['2.02']; all_items_found=['2.02', '9.01']; severity_per_code={'2.02': 'medium'}; contributing_watchers=sec_8k_material (source=sec_8k_material; url=0000913341-26-000038). Additional context: 8-K: filing_type=8-K; max_severity=medium; ignored_items=['9.01']; material_items=['2.02']; all_items_found=['2.02', '9.01']; severity_per_code={'2.02': 'medium'}; contributing_watchers=sec_8k_material. Comparable peers identified within the same class: JPMorgan Chase, Bank of America, Citigroup.
C & F Financial Corp (CFFI) has seen a notable influx of new institutional investors, marking a shift in its shareholder base. Recent data reveals multiple "add" signals for various holders, with positions established as of March 31, 2026, and June 30, 2024. Among the most significant new entries is an investor holding 183,607 shares valued at approximately $13.4 million as of March 31, 2026, representing a weight of roughly 0.28% in their portfolio. Other notable additions include holdings of 44,045 shares valued at $3.2 million and 31,735 shares valued at $1.5 million, indicating growing interest from diverse capital sources. This expansion in the investor roster is particularly relevant given that CFFI currently has no analyst coverage and is not a member of any major indices. With zero analysts tracking the stock, the entry of these new holders may signal independent due diligence and confidence in the company's fundamentals rather than momentum driven by broader market consensus or index rebalancing. The absence of analyst ratings means that price discovery and valuation are likely being driven more directly by these institutional flows and the company's reported financials. The company's structure remains lean, with only two officers managing operations, which may appeal to investors seeking streamlined governance. While the top holder count stands at 19, the recent additions suggest a broadening of the ownership base beyond existing major stakeholders. This diversification could potentially enhance liquidity and stability for the stock, as the concentration of ownership is distributed among a wider array of institutional participants. As this is the first analysis for CFFI, there is no prior basis for computing delta changes in performance or metrics. However, the accumulation of these new positions provides a foundational snapshot of institutional sentiment. The significance of these changes lies in the validation of the company's investment thesis by external capital, offering a counterpoint to the lack of sell-side research and index inclusion. Investors may view these additions as a positive indicator of underlying value recognition in the absence of traditional market signals.
Key takeaways
- Observed GAAP P/E is about 9.08x.
- Return on equity is about 10.1%.
- Debt to equity is about 0.08x.
- [TRIGGER] 8-K: 8-K (sec_8k_material) on CFFI — filing_type=8-K; max_severity=medium; ignored_items=['9.01']; material_items=['2.02']; all_items_found=['2.02', '9.01']; severity_per_code={'2.02': 'medium'}; contributing_watchers=sec_8k_material (source=sec_8k_material; url=0000913341-26-000038)
- Likely peers from the same classification include JPMorgan Chase, Bank of America, Citigroup.
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us-gaap:OperatingSegmentsMember cffi:ConsumerFinanceSegmentMember 2026-01-01 2026-03-31 0000913341 us-gaap:OperatingSegmentsMember cffi:CommunityBankingMember 2026-01-01 2026-03-31 0000913341 us-gaap:OperatingSegmentsMember cffi:MortgageBankingSegmentMember 2025-01-01 2025-03-31 0000913341 us-gaap:OperatingSegmentsMember cffi:ConsumerFinanceSegmentMember 2025-01-01 2025-03-31 0000913341 us-gaap:OperatingSegmentsMember cffi:CommunityBankingMember 2025-01-01 2025-03-31 0000913341 us-gaap:IndemnificationGuaranteeMember 2026-03-31 0000913341 us-gaap:IndemnificationGuaranteeMember 2025-03-31 0000913341 2025-01-01 2025-12-31 0000913341 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2026-03-31 0000913341 us-gaap:FairValueMeasurementsRecurringMember 2026-03-31 0000913341 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0000913341 us-gaap:FairValueMeasurementsRecurringMember 2025-12-31 0000913341 2025-01-01 2025-03-31 0000913341 2026-01-01 2026-03-31 0000913341 us-gaap:FairValueInputsLevel1Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2026-03-31 0000913341 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2026-03-31 0000913341 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2026-03-31 0000913341 us-gaap:FairValueInputsLevel1Member us-gaap:EstimateOfFairValueFairValueDisclosureMember 2025-12-31 0000913341 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2025-12-31 0000913341 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2025-12-31 iso4217:USD cffi:security cffi:contract xbrli:pure cffi:item cffi:subsidiary xbrli:shares iso4217:USD xbrli:shares cffi:segment Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C.
Bull / Bear case
Generated · model-assistedBULL CASE · 5
The company trades at a price-to-book ratio of 1.02, indicating minimal valuation premium over tangible book value.
Return on equity of 10.11% significantly exceeds the bank cohort median of 6.03%, demonstrating superior profitability.
A debt-to-equity ratio of 0.08 is well below the cohort median of 0.28, suggesting a conservative capital structure.
Total assets grew at a 2.5% CAGR over five years, indicating steady balance sheet expansion despite recent volatility.
Free cash flow increased by 50.2% year-over-year in FY2025, highlighting improved cash generation capabilities.
BEAR CASE · 3
Revenue fell by 9.6% year-over-year in FY2025, reflecting a contraction in total operating income sources.
Equity decreased by 13.5% year-over-year in FY2025, indicating a substantial reduction in shareholder capital base.
The company faces medium-level liquidity and dilution risks, which could negatively impact shareholder value and stability.
In focus — financials by report
Quarterly
Annual
QUARTERLYFiled 2026-03-31
Q4 2025 · Quarter highlights
Revenue $36.3M; Net margin 18.6%.
Revenue$36.3M
Operating income—
Net income$6.7M
Free cash flow-$7.9M
EPS—
Operating cash flow-$7.6M
Financials
Income statement
Revenue$36.3M
Gross profit—
Operating income—
Net income$6.7M
Margins
Gross margin—
Operating margin—
Net margin18.6%
FCF margin-21.8%
Balance sheet
Total assets$2.81B
Total liabilities$2.55B
Total equity$265.5M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow-$7.6M
CapEx$322.0k
Free cash flow-$7.9M
SBC$514.0k
Highlights
- ▍Revenue $36.3M
- ▍Net margin 18.6%
QUARTERLYFiled 2025-09-30
Q2 2025 · Quarter highlights
Revenue $105.0M; Net margin 19.2%.
Revenue$105.0M
Operating income—
Net income$20.1M
Free cash flow$20.7M
EPS—
Operating cash flow$22.3M
Financials
Income statement
Revenue$105.0M
Gross profit—
Operating income—
Net income$20.1M
Margins
Gross margin—
Operating margin—
Net margin19.2%
FCF margin19.7%
Balance sheet
Total assets$2.71B
Total liabilities$2.46B
Total equity$253.3M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$22.3M
CapEx$1.6M
Free cash flow$20.7M
SBC$1.4M
Highlights
- ▍Revenue $105.0M
- ▍Net margin 19.2%
QUARTERLYFiled 2025-06-30
Q1 2025 · Quarter highlights
Revenue $68.9M; Net margin 18.9%.
Revenue$68.9M
Operating income—
Net income$13.1M
Free cash flow-$2.0M
EPS—
Operating cash flow-$1.2M
Financials
Income statement
Revenue$68.9M
Gross profit—
Operating income—
Net income$13.1M
Margins
Gross margin—
Operating margin—
Net margin18.9%
FCF margin-2.9%
Balance sheet
Total assets$2.69B
Total liabilities$2.45B
Total equity$240.3M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow-$1.2M
CapEx$833.0k
Free cash flow-$2.0M
SBC$916.0k
Highlights
- ▍Revenue $68.9M
- ▍Net margin 18.9%
ANNUALFiled 2025-12-31
FY 2025 · Full-year highlights
Revenue $140.8M; Net margin 19.1%.
Revenue$140.8M
Operating income—
Net income$26.8M
Free cash flow$22.2M
EPS—
Operating cash flow$24.5M
Financials
Income statement
Revenue$140.8M
Gross profit—
Operating income—
Net income$26.8M
Margins
Gross margin—
Operating margin—
Net margin19.1%
FCF margin15.7%
Balance sheet
Total assets$2.77B
Total liabilities$2.51B
Total equity$261.8M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$24.5M
CapEx$2.3M
Free cash flow$22.2M
SBC$1.8M
P&L flow · revenue → net income
Highlights
- ▍Revenue $140.8M
- ▍Net margin 19.1%
ANNUALFiled 2024-12-31
FY 2024 · Full-year highlights
Revenue $127.3M; Net margin 15.6%.
Revenue$127.3M
Operating income—
Net income$19.8M
Free cash flow$35.0M
EPS—
Operating cash flow$38.5M
Financials
Income statement
Revenue$127.3M
Gross profit—
Operating income—
Net income$19.8M
Margins
Gross margin—
Operating margin—
Net margin15.6%
FCF margin27.5%
Balance sheet
Total assets$2.56B
Total liabilities$2.34B
Total equity$226.4M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$38.5M
CapEx$3.5M
Free cash flow$35.0M
SBC$1.9M
Highlights
- ▍Revenue $127.3M
- ▍Net margin 15.6%
ANNUALFiled 2024-12-31
FY 2025 · Full-year highlights
Revenue $127.3M; Net margin 15.6%.
Revenue$127.3M
Operating income—
Net income$19.8M
Free cash flow$33.3M
EPS—
Operating cash flow$36.8M
Financials
Income statement
Revenue$127.3M
Gross profit—
Operating income—
Net income$19.8M
Margins
Gross margin—
Operating margin—
Net margin15.6%
FCF margin26.1%
Balance sheet
Total assets$2.56B
Total liabilities$2.34B
Total equity$226.4M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$36.8M
CapEx$3.5M
Free cash flow$33.3M
SBC$1.9M
Highlights
- ▍Revenue $127.3M
- ▍Net margin 15.6%
ANNUALFiled 2023-12-31
FY 2023 · Full-year highlights
Revenue $127.3M; Net margin 18.5%.
Revenue$127.3M
Operating income—
Net income$23.6M
Free cash flow$37.4M
EPS—
Operating cash flow$38.8M
Financials
Income statement
Revenue$127.3M
Gross profit—
Operating income—
Net income$23.6M
Margins
Gross margin—
Operating margin—
Net margin18.5%
FCF margin29.3%
Balance sheet
Total assets$2.44B
Total liabilities$2.22B
Total equity$216.9M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$38.8M
CapEx$1.5M
Free cash flow$37.4M
SBC$2.0M
Highlights
- ▍Revenue $127.3M
- ▍Net margin 18.5%
ANNUALFiled 2023-12-31
FY 2024 · Full-year highlights
Revenue $127.3M; Net margin 18.5%.
Revenue$127.3M
Operating income—
Net income$23.6M
Free cash flow$37.4M
EPS—
Operating cash flow$38.8M
Financials
Income statement
Revenue$127.3M
Gross profit—
Operating income—
Net income$23.6M
Margins
Gross margin—
Operating margin—
Net margin18.5%
FCF margin29.3%
Balance sheet
Total assets$2.44B
Total liabilities$2.22B
Total equity$216.9M
Cash & equivalents—
Long-term debt—
Cash flow
Operating cash flow$38.8M
CapEx$1.5M
Free cash flow$37.4M
SBC$2.0M
Highlights
- ▍Revenue $127.3M
- ▍Net margin 18.5%
Valuation FY
Market price
$84,10
Market cap
$243.6M
Enterprise valueⓘ
$263.6M
P/Eⓘ
9.1x
Non-GAAP P/Eⓘ
—
EV / Revenueⓘ
1.9x
EV / Op incomeⓘ
—
EV / OCFⓘ
10.8x
P / Bⓘ
1.0x
P / Tangible bookⓘ
1.0x
Tangible book
$240.0M
Net cashⓘ
-$20.0M
Current ratioⓘ
—
Debt / equityⓘ
0.1
ROAⓘ
0.9%
ROEⓘ
10.1%
Cash conversionⓘ
91.0%
CapEx / revenueⓘ
1.7%
SBC / revenueⓘ
1.3%
Dilution ratioⓘ
0.0%
Revenue by segment
Commercial Banking—
low · business_description · 2026-07-03
Consumer & Retail Banking—
low · business_description · 2026-07-03
Insurance Agency & Brokerage—
low · business_description · 2026-07-03
Mortgage & Home Lending—
low · business_description · 2026-07-03
Wealth Management—
low · business_description · 2026-07-03
Business relationships
— missing data
Supply chain
— missing data
Peer comparison
— missing data
Market position
Stress test
— missing data
Predictor forecast
Corporate eventM&A horizon
M&A probabilityconf 5 %
Probability
5 %
Base rate
3 %
Band
—
180-day horizon · target 2027-01-16 · 1,8× base rate
No acquirer candidates identified by the signal model.
Probabilistic model output — not investment advice. · generated 2026-07-20
Options
— missing data
Short squeeze
— missing data
Earnings-call key lines
— missing data
Estimate revisions
consensus EPS · 26-week trend— missing data
Sell-side observations
— missing data
Themes
— missing data
ESG
— missing data
Risk factors
Dilution riskMedium
Liquidity riskMedium
Filing-based flags
- Net cash is negative after subtracting total debt.
- Source documents mention dilution or offering risk.
Benchmarks vs cohort
Net Margin19,1 %Bottom quartile
ROE10,1 %Above median
Capex / Rev1,7 %Above P75
D/E0,08Above median
Cash Conv0,91Below median
Corporate actions / M&A
M&A probabilityconf —
Probability
5 %
Base rate
3 %
Band
Moderate
180-day horizon · target 2027-01-16 · 1,8× base rate
No acquirer candidates identified by the signal model.
Corporate actionsNo corporate-action source connected yet — splits, dividends and buyback events are not tracked for this company. Honest-dim (no data fabricated).
FX exposure
— missing data
Comparable transactions
— missing data
Derivatives & instruments
— missing data
Actions
Ask Handelsavisen
— missing data
Data sources
- Market data
- Regulatory filings
- Issuer disclosures
- Public news
- Earnings transcripts
- Consensus estimates
- ESG data
- Reference data
How metrics are computed
- Price To Tangible Bookmarket_price / (tangible_book_value / shares_outstanding_diluted)
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Return On Equitynet_income / total_equity
- Enterprise Valuemarket_cap - net_cash
- Ev To Revenueenterprise_value / revenue
- Net Cashcash_and_equivalents + short_term_investments - short_term_debt - long_term_debt
Source documents
- C & F FINANCIAL CORP company facts · 2026-07-26
- C & F FINANCIAL CORP 10-Q 2026-05-11 · 2026-07-26
- C & F FINANCIAL CORP 10-K 2026-03-03 · 2026-07-26
- C & F FINANCIAL CORP 10-Q 2025-11-04 · 2026-07-26
- C & F FINANCIAL CORP 10-Q 2025-08-11 · 2026-07-26
- 8-K (sec_8k_material) on CFFI · 2026-07-26
- C&F Financial Corp Market data — ESG · 2026-07-26
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,00 %$13M
- Investment Managers · as of 2026-03-310,00 %$3M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$1M
- Brokerage Firms · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$5M
- Brokerage Firms · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$2M
- Investment Managers · as of 2025-12-310,00 %$12M
- Investment Managers · as of 2026-03-310,00 %$3M
- Institutional Investor · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2026-03-310,00 %$1M
- Funds · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$1M
- Investment Managers · as of 2024-06-300,00 %$2M
- Investment Managers · as of 2026-03-310,00 %$0M
- Institutional Investor · as of 2026-03-310,00 %$0M
- Investment Managers · as of 2026-03-310,00 %$0M
Leadership
- Larry G. DillonExecutive Chairman of the Board
- Tom F. CherryPresident, Chief Executive Officer, Director
Insider activity
Net selling0 buys · 9 sellsnet -$321K17 insiders · last 365d
- Director · Common StockOther 217 · 2026-07-03
- Director, PRESIDENT & CEO · Common StockSold 141 @ $77,50$11K · 2026-06-12
- Director, PRESIDENT & CEO · Common StockSold 30 @ $78,50$2K · 2026-06-11
- Director, PRESIDENT & CEO · Common StockSold 329 @ $78,50$26K · 2026-06-10
- Director, PRESIDENT & CEO · Common StockSold 678 @ $75,56$51K · 2026-06-09
- Director, PRESIDENT & CEO · Common StockSold 200 @ $75,00$15K · 2026-06-08
- EVP, CHIEF FINANCIAL OFFICER · Common StockSold 1 360 @ $75,50$103K · 2026-06-05
- Director, PRESIDENT & CEO · Common StockSold 500 @ $75,00$38K · 2026-05-27
- Director · Common StockSold 1 025 @ $73,00$75K · 2026-05-13
- Director · Common StockOther 450 · 2026-04-21
- Director · Common StockOther 450 · 2026-04-21
- Director · Common StockOther 450 · 2026-04-21
- Director · Common StockOther 450 · 2026-04-21
- Director · Common StockOther 450 · 2026-04-21
- Director · Common StockOther 450 · 2026-04-21
- Director · Common StockOther 450 · 2026-04-21
- Director · Common StockOther 450 · 2026-04-21
- Director · Common StockOther 450 · 2026-04-21
- Director · Common StockOther 450 · 2026-04-21
- Director · Common StockOther 450 · 2026-04-21
- PRESIDENT & CEO C&F MORTGAGE · Common StockOther 278 @ $72,82$20K · 2026-03-01
- EVP, CHIEF FINANCIAL OFFICER, SECRETARY · Common StockOther 865 @ $72,82$63K · 2026-03-01
- Director, PRESIDENT & CEO · Common StockOther 1 872 @ $72,82$136K · 2026-03-01
- PRESIDENT & CEO C&F FINANCE · Common StockOther 536 @ $72,82$39K · 2026-03-01
- Director, PRESIDENT & CEO · Common StockSold 11 @ $78,25$861 · 2026-02-26
Short positioning
32.3Kshares short-15.3% vs prior
6.05days to cover
29.5%short of daily vol
4fails-to-deliver
as of 2026-07-15 · short-interest report (free)
Geographic breakdown
— missing data
Listings · one canonical issuer
all listings resolve to the canonical
CFFICanonical
Nasdaq · USD
Intel & risk
peak dispatch · —
OSINT findings
Dilution riskMedium
Liquidity riskMedium
Net cash is negative after subtracting total debt.
Source documents mention dilution or offering risk.
Relationship graph
This companyPeerSector
Evidence & claims
From filings & derived data- Net income (YoY) (2025-12-31 vs 2024-12-31): 35.3%Derived (calculated)
- Operating cash flow (YoY) (2025-12-31 vs 2024-12-31): -33.4%Derived (calculated)
- Revenue (YoY) (2025-12-31 vs 2024-12-31): 10.6%Derived (calculated)
- Shareholders' equity (YoY) (2025-12-31 vs 2024-12-31): 15.6%Derived (calculated)
- Total assets (YoY) (2025-12-31 vs 2024-12-31): 8.0%Derived (calculated)
- Total liabilities (YoY) (2025-12-31 vs 2024-12-31): 7.3%Derived (calculated)
- EPS (basic) (YoY) (2025-12-31 vs 2024-12-31): 37.9%Derived (calculated)
- EPS (diluted) (YoY) (2025-12-31 vs 2024-12-31): 37.9%Derived (calculated)
- Return on equity (FY 2025-12-31): 10.3%Derived (calculated)
- Return on assets (FY 2025-12-31): 1.0%Derived (calculated)
- Debt-to-equity (FY 2025-12-31): 9.57xDerived (calculated)
- Capex (YoY) (2025-12-31 vs 2024-12-31): -33.2%Derived (calculated)
- Net margin (FY 2025-12-31): 19.1%Derived (calculated)
- Pre-tax income (annual): USD 33.07MSEC XBRL filing
- Shareholders' equity (annual): USD 261.75MSEC XBRL filing
- Capex (annual): USD 2.33MSEC XBRL filing
- Shares outstanding (annual): 3.25MSEC XBRL filing
- EPS (basic) (annual): USD-PER-SHARES 8SEC XBRL filing
- Total assets (annual): USD 2.77BSEC XBRL filing
- Net income (annual): USD 26.84MSEC XBRL filing
- Total liabilities (annual): USD 2.51BSEC XBRL filing
- Operating cash flow (annual): USD 24.49MSEC XBRL filing
- EPS (diluted) (annual): USD-PER-SHARES 8SEC XBRL filing
- Revenue (annual): USD 140.84MSEC XBRL filing
Showing 24 of 39 surfaced claims.
Atomic claims from regulatory filings and derived calculations. Provenance shown as source kind only.
The Thread
Everything we know, in order2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
2026-07-24 04:31 UTCFILINGMaterial 8-K
2026-07-23 00:00 UTCTRANSCRIPTEarnings call — Q3 2026
2026-07-03INSIDERKelley Elizabeth R transacted 217 sh — Director
2026-06-30 03:38 UTCEARNINGSUpcomingForecast: ma_probability (180d)
2026-06-21 02:57 UTCHOLDERInstitutional holding changed
2026-06-21 02:57 UTCHOLDERInstitutional holding changed
2026-06-21 02:57 UTCHOLDERInstitutional holding changed
2026-06-21 02:57 UTCHOLDERInstitutional holding changed
2026-06-21 02:57 UTCHOLDERInstitutional holding changed
2026-06-21 02:57 UTCHOLDERInstitutional holding changed
2026-06-21 02:57 UTCHOLDERInstitutional holding changed
2026-06-21 02:57 UTCHOLDERInstitutional holding changed
2026-06-21 02:57 UTCHOLDER17 institutional position changes flagged
2026-06-12 00:00 UTCINSIDER6 insider transactions — 2026-06 · net sell $208k
2026-06-12 00:00 UTCINSIDER6 insider transactions — 2026-06 · net sell $208k
2026-06-12INSIDERCHERRY THOMAS F sold 141 sh — Director, PRESIDENT & CEO ~$11k
2026-06-11INSIDERCHERRY THOMAS F sold 30 sh — Director, PRESIDENT & CEO ~$2k
2026-06-10INSIDERCHERRY THOMAS F sold 329 sh — Director, PRESIDENT & CEO ~$26k
2026-06-09INSIDERCHERRY THOMAS F sold 678 sh — Director, PRESIDENT & CEO ~$51k
2026-06-08INSIDERCHERRY THOMAS F sold 200 sh — Director, PRESIDENT & CEO ~$15k
2026-06-05INSIDERLong Jason E sold 1.4k sh — EVP, CHIEF FINANCIAL OFFICER ~$103k
2026-05-27 00:00 UTCINSIDER2 insider transactions — 2026-05 · net sell $112k
2026-05-27 00:00 UTCINSIDER2 insider transactions — 2026-05 · net sell $112k
2026-05-27INSIDERCHERRY THOMAS F sold 500 sh — Director, PRESIDENT & CEO ~$38k
2026-05-13INSIDERKelley Elizabeth R sold 1.0k sh — Director ~$75k
2026-04-21 00:00 UTCINSIDER11 insider transactions — 2026-04
2026-04-21 00:00 UTCINSIDER11 insider transactions — 2026-04
2026-04-21INSIDERCAUSEY J P JR transacted 450 sh — Director
2026-04-21INSIDERDowns David Hendrick transacted 450 sh — Director
2026-04-21INSIDEROlsson Charles Elis transacted 450 sh — Director
2026-04-21INSIDERROBINSON PAUL C transacted 450 sh — Director
2026-04-21INSIDERKelley Elizabeth R transacted 450 sh — Director
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