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CFFICFFIFinancial Services · Banks - Regional

CFFI Stock Forecast: C&F Financial Corp. Price Predictions for 2026-2027

Last close, 4 Nov 2026
$112
+1.13% on the day

The 1 Wall Street analysts covering C&F Financial Corp. hold a median 12-month price target of $124 — +10.5% from the last close. Ticker Nerd's systematic factor model, run across ~4,600 US stocks, ranks it 72 of 100 as at 4 Nov 2026 — in the upper half. Here, the model and the Street point the same way.

Market cap
$360.8M
Ticker Nerd rank
72/ 100
Median analyst target
$124
Analysts covering
1
Revenue$31.6M−12.0% y/y
Net income$8.6M
Free cash flow$22.3M
Quarterly, 8 quarters to 30 June 2026 · latest quarter's figure shown
Total return, dividends reinvested
1W
+2.3%
1M
+14.2%
YTD
+57.5%
1Y
+68.5%
From 52W high
0.0%
From 52W low
+72.3%
$65
$112
52-week range, adjusted closes · the dot is the last close
Ticker Nerd rank

CFFI stock analysis: one number for the whole business

Consensus tells you what everyone already believes. The model scores C&F Financial Corp. on its factor families — the same systematic rank behind the Ticker Nerd portfolio.

Where the model ranks itAs at 4 Nov 2026
72/ 100

Percentile across ~4,600 US stocks on Ticker Nerd’s systematic factor model. Higher is better. How the model is built and tested

Momentum
99
Growth
66
Issuance
64
Value
60
Revisions
58
Size
57
Quality
51
Volatility
43
Accruals
34

Momentum (99): The shares have been drifting up relative to others.

Accruals (34): A large share of reported profit has not shown up as cash, or the balance sheet is expanding quickly — both tend to unwind.

Built and run by Aslam Ghouse, an ex-Goldman Sachs systematic trader with 15+ years in markets.

Wall Street

CFFI stock forecast 2026-2027: analyst price targets & predictions

The bullish and bearish analyst opinions on CFFI, reported as data — targets and ratings, the market's view beside the model's.

Share price and the analyst range, 12 monthsAdjusted close, US dollars
$60$70$80$90$100$110$120$130Jan 26Apr 26Jul 26Oct 26CFFIHigh $124Median $124Low $124

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Data provided by Twelve Data

What Wall Street says1 analysts
1 Buy0 Hold0 Sell
Low $124Median $124High $124

The green dot is the last close — the median target sits +10.5% from it.

Recent analyst actionsNewest first
DateFirmActionRatingTarget
28 Oct 2026DA DavidsonMaintainsBuy$115 → $124
27 Oct 2026DA DavidsonMaintainsBuy$115
29 Sept 2026DA DavidsonInitiatesBuy—
29 Sept 2026DA DavidsonInitiatesBuy$115

Price targets and ratings are third-party analyst estimates, reported here as data. They are not Ticker Nerd forecasts, and they are frequently wrong.

Market Radar

This page is one stock. Monday covers all of them.

CFFI appears in the Radar on the weeks it earns a place.

  • Market Radar, every Monday: the week's biggest rank moves across ~4,600 US stocks, and the reason for each.
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Performance

CFFI vs the S&P 500

Both lines are total return — dividends reinvested — so the comparison is honest on both sides.

Over the twelve months to 4 Nov 2026, C&F Financial Corp. returned +68.5% against +14.8% for the S&P 500, dividends included.

CFFI vs S&P 500, last 12 monthsTotal return, rebased to 100
100120140160180Jan 26Apr 26Jul 26Oct 26CFFIS&P 500

Download this chart as an image — free to reuse; link this page as the source.

Data provided by Twelve Data

Estimates

CFFI analyst estimate revisions

Not the forecast itself — the direction analysts are revising it. Revision direction is one of the model's factor families.

Which way the estimates are movingThis fiscal year
Analysts raising
0
Analysts cutting
0
Fundamentals

C&F Financial Corp. (CFFI) financial data

A margin means little on its own. Each bar marks where the figure sits across the whole US universe we score.

Valuation
Trailing P/E
12.0×

Cheaper than 52% of US stocks

Price / sales
2.6×

Cheaper than 44% of US stocks

Price / book
1.4×

Cheaper than 58% of US stocks

EV / EBITDA
—
Growth & margins
Revenue growth (YoY)
7.1%

Higher than 45% of US stocks

Earnings growth (YoY)
17.0%

Higher than 56% of US stocks

Gross margin
—
Operating margin
28.7%

Higher than 86% of US stocks

Net margin
21.8%

Higher than 84% of US stocks

Returns & dividend
Return on equity
11.6%

Higher than 67% of US stocks

Return on assets
1.1%

Higher than 50% of US stocks

Dividend yield
1.7%

Higher than 77% of US dividend payers

Bars mark the percentile across the ~4,600 US stocks Ticker Nerd covers, among those reporting the figure.

Key statistics

C&F Financial Corp. (CFFI) statistics: revenue, profit & scale

The headline figures, each with its date. Every row carries its own link — cite it straight from here.

  • C&F Financial Corp. has a market value of $360.8M and an enterprise value of $454.3M.

  • Revenue in the twelve months to 30 June 2026: $136.4M. The latest quarter grew 7.1% year on year.

  • Net income over the same four quarters: $29.2M, a 21.4% net margin.

  • Diluted earnings per share, trailing twelve months: $8.96.

  • Free cash flow in the twelve months to 30 June 2026: $38.6M.

  • C&F Financial Corp. spent $1.5M on share buybacks and $6.1M on dividends in the twelve months to 30 June 2026.

  • Shares outstanding: 3.3M.

  • Trailing P/E: 12.0×; forward P/E: 10.9× — the forward figure prices analyst consensus estimates, not reported earnings.

  • Forward dividend yield: 1.72%, paying out 21% of earnings.

  • C&F Financial Corp. employs 575 people — $237K of revenue per employee.

Statement figures: company filings via Twelve Data, four quarters to 30 June 2026 · market figures as at 5 Nov 2026

Data provided by Twelve Data

Peers

CFFI vs competitors

The nearest names by industry and size, scored by the same model — like for like.

Its peer group, ranked by the same modelBanks - Regional
CompanyMarket capTKN rank
CFFIC&F Financial Corp.$360.8M72
USCBUSCB Financial Holdings, Inc.$368.2M39
ISBAIsabella Bank Corp.$355.7M43
BRBSBlue Ridge Bankshares, Inc. (Virginia)$371.8M34
TSBKTimberland Bancorp, Inc. (Washington)$374.5M73
FRSTPrimis Financial Corp.$374.9M72
WSBFWaterstone Financial, Inc.$376.4M91

Look up any of the roughly 4,600 stocks we score.

The rank is the raw material. Whether the rules would actually own C&F Financial Corp. — and when they’d sell — is the membership. See the Ticker Nerd 20 →

News

Latest CFFI news & analysis

C&F Financial Corporation Announces Net Income for Third Quarter and First Nine Months of 2026

GlobeNewsWire · 26 Oct 2026positive

C&F Financial reported third-quarter 2026 consolidated net income of $8.3 million, up 16.1% from $7.1 million a year earlier. Net income for the first nine months of 2026 was $23.7 million, up 16.8% from $20.3 million in the same 2025 period.

Why it matters — The results provide CFFI watchers with the company’s reported year-over-year earnings growth for the quarter and first nine months of 2026.

C&F Financial's 2026 Outlook: Aggressive Market Expansion Drives New Retail Growth

The Motley Fool · 15 Oct 2026positive

The Motley Fool reports that C&F Financial is showing momentum in community banking and mortgage loan originations, with expansion into new Virginia markets.

Why it matters — CFFI watchers may care because the reported market expansion is presented as a runway for organic revenue growth.

CFFI Gains 35% in a Year: Is More Upside Ahead for the Stock?

Zacks Investment Research · 22 Sept 2026positive

C&F Financial's stock has gained 34.6% over the past year, a rally the article attributes to wider margins, solid loan growth, stronger mortgage activity, expansion in Virginia, and shareholder returns.

Why it matters — For investors tracking CFFI, the article highlights the key operational drivers behind the stock's recent performance and whether that upside can be sustained.

C&F Financial Corporation Announces Quarterly Dividend

GlobeNewsWire · 19 Aug 2026neutral

C&F Financial Corporation's Board of Directors declared a regular cash dividend of 48 cents per share, payable October 1, 2026, to shareholders of record on September 15, 2026.

Why it matters — The declaration confirms C&F Financial continues its scheduled cash distribution to shareholders, giving investors clarity on the upcoming dividend payment date.

CFFI Q2 Earnings Rise Y/Y on Loan Growth & Margin Gains

Zacks Investment Research · 24 July 2026positive

C&F Financial (CFFI) reported improved second-quarter earnings year over year, driven by strong loan growth, margin expansion, and gains in mortgage banking, supported by the company's strategic initiatives.

Why it matters — The results show that CFFI's core growth strategies and margin improvements are translating into higher earnings, a key indicator of operational momentum for current and potential shareholders.

FAQ

Frequently asked questions about CFFI stock

What is the CFFI stock price forecast for 2026-2027?

The 1 Wall Street analysts covering C&F Financial Corp. have a median 12-month price target of $124, with estimates ranging from $124 to $124. These are third-party analyst estimates, not Ticker Nerd forecasts, and they are frequently wrong.

Is CFFI stock a buy right now?

Of the 1 analysts covering C&F Financial Corp., 1 rate it a Buy, 0 a Hold and 0 a Sell. Ticker Nerd's systematic factor model ranks C&F Financial Corp. 72 out of 100 across roughly 4,600 US stocks as at 4 Nov 2026. None of this is personal advice — it does not consider your circumstances.

How does Ticker Nerd's model rank CFFI?

As at 4 Nov 2026, C&F Financial Corp. ranks 72 out of 100 on Ticker Nerd's systematic factor model — a percentile across roughly 4,600 US stocks, built from its factor families. Its strongest factor family is Momentum (99 of 100).

Will CFFI stock go up?

No one can know that. What the data says: the median 12-month target from 1 analysts implies +10.5% from the last close, and Ticker Nerd's factor model ranks C&F Financial Corp. 72 out of 100 as at 4 Nov 2026. Analyst targets are third-party estimates and frequently wrong; none of this is personal advice.

What is the CFFI stock forecast for 2030?

No analyst covering C&F Financial Corp. publishes a 2030 price target — Wall Street targets run 12 to 18 months out. Sites quoting a 2030 price for CFFI are extrapolating price history, which says nothing about the business. The furthest attributed numbers are the current analyst targets: $124 to $124 over the next 12 months.

How has CFFI stock performed over the past year?

C&F Financial Corp. returned +68.5% over the 12 months to 4 Nov 2026, with dividends reinvested. Past performance does not indicate future returns.

What does C&F Financial Corp. do?

C&F Financial Corporation is a bank holding company that serves as the parent of Citizens and Farmers Bank, an independent commercial bank focused on providing banking services to individuals and businesses. Its operations are organized around community banking, mortgage banking, and consumer finance, giving it a broad presence across retail deposit services, business lending, residential mortgage lending, and specialty consumer credit.

What is the latest news on CFFI?

The most recent item we track (GlobeNewsWire, 26 Oct 2026): "C&F Financial Corporation Announces Net Income for Third Quarter and First Nine Months of 2026". C&F Financial reported third-quarter 2026 consolidated net income of $8.3 million, up 16.1% from $7.1 million a year earlier. Net income for the first nine months of 2026 was $23.7 million, up 16.8% from $20.3 million in the same 2025 period.

Company

About C&F Financial Corp.

C&F Financial Corporation is a bank holding company that serves as the parent of Citizens and Farmers Bank, an independent commercial bank focused on providing banking services to individuals and businesses. Its operations are organized around community banking, mortgage banking, and consumer finance, giving it a broad presence across retail deposit services, business lending, residential mortgage lending, and specialty consumer credit. Through its community banking activities, the company offers checking and savings accounts, commercial loans, real estate financing, and other traditional banking products tailored to local customers. Its mortgage banking segment supports home lending and related services, while the consumer finance business extends credit through products such as non-prime automobile lending. C&F Financial Corporation also maintains investment and wealth-related services through affiliated businesses, reinforcing its role as a diversified regional financial services provider in Virginia and surrounding markets.

CEO Mr. Thomas F. Cherry · 575 employees · United States · https://www.cffc.com