CFFI · C & F Financial Corp

Track CFFI — free

$84.94 -3.90 (-4.39%) At close · Aug 21

Market Cap

$276.20M

3.25M

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FQ3-26 quarter ends

~Sep 30, 2026 Est

Latest filing: 10-Q

filed Aug 10, 2026

Equibles Rating

blended score · not investment advice

Overall

Buy

SellHoldBuy

Technical Neutral Momentum Very Strong Sentiment Neutral Fundamentals Excellent Quant / Vol Low

Market backdrop VIX 15.1 · calm Equity put/call 0.51

Technical

price trend

Neutral

50 / 200-day cross No cross

Price vs 200-day avg +13%

above

Price vs 50-day avg +4%

above

RSI (14) 51

neutral

MACD trend Negative

52-week position 84%

mid-range

Volume (OBV) Confirms

volume backs price

Momentum

relative strength

Very Strong

1-month return +9%

trailing

6-month return +14%

trailing

YTD return +17%

this year

Relative strength +2%

vs S&P · 6-mo

Sentiment

smart money

Neutral

Trend (MA cross) No cross

50d $82 › 200d $75 — 50d above 200d

Institutional flow Distributing

-4% holders QoQ · +5 funds added

Insider flow Distributing

Net -$466.6K over 90 days · 100% sells

Short interest Falling

0.99% of float · ▼ -0.6% MoM · 6.1 days cover

Volume signal Normal

Volume near normal

Institution breadth Steady

79 holders — mid 3-yr range

Squeeze score 56

elevated · 0–100

Fundamentals

Excellent

Revenue growth +11%

Y/Y

EPS growth +38%

Y/Y

Free cash flow $22.2M

Valuation P/E 9.5

below peers

Buyback $4.7M

remaining

Balance sheet $4.8M

net debt

Quant / Vol

risk profile

Low

Volatility 34%

annualized · 1-yr

Max drawdown −14%

past year

ATR 3.4%

of price · 14-day

Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.

Technicals

trend & momentum for long-term holders Neutral

1 · 4 · 2

50 / 200-day cross

No cross Neutral

Price vs 200-day avg

+13% Bullish

Price vs 50-day avg

+4% Bullish

RSI (14)

51 Neutral

MACD trend

Negative Bearish

52-week position

84% Neutral

Volume (OBV)

Confirms Neutral

Market signals — smart money & positioning

Bearish · 2 of 6

Trend (MA cross) No cross

50d $82 › 200d $75 — 50d above 200d

Institutional flow Distributing

-4% holders QoQ · +5 funds added

Insider flow Distributing

Net -$466.6K over 90 days · 100% sells

Short interest Falling

0.99% of float · ▼ -0.6% MoM · 6.1 days cover

Volume signal Normal

Volume near normal

Institution breadth Steady

79 holders — mid 3-yr range

Price context

position in its 52-week range

Range low $65 Now $85 · 84% Range high $89

vs 200-day avg +13% vs 50-day avg +4%

Illustrative technical + ownership context — a signal mix, not investment advice.

Key metrics

the company's own KPIs, from written earnings releases and filings

Metric	Latest	Period	YoY
adjusted net income non-GAAP	$7.9M	the second quarter of 2026 filing	—
quarterly cash dividend	48	the second quarter of 2026 filing	—
ACL to total loans	4.83%	As of 6/30/2026 (Consumer Finance)	—
Adjusted annualized return on average tangible common equity non-GAAP	12.08%	For the Six Months Ended 6/30/2026	—
Adjusted annualized ROA non-GAAP	1.05%	For the Six Months Ended 6/30/2026	—
Adjusted annualized ROE non-GAAP	10.92%	For the Six Months Ended 6/30/2026	—
Adjusted earnings per share - basic and diluted non-GAAP	$4.48	For the Six Months Ended 6/30/2026	—
Allowance for credit losses as a percentage of total loans	4.83%	as of June 30, 2026	—
Annualized year-to-date net charge-offs to average loans	0.01%	As of 6/30/2026 (Community Banking)	—
Banking offices	32	as of June 30, 2026	—
Borrowing availability	669.8M	as of June 30, 2026	—
Common equity tier 1 capital ratio	11.3%	As of 6/30/2026 (C&F Financial Corporation)	—
Consumer finance segment net charge-offs rate	2.6%	the first six months of 2026	—

Dividend payout ratio	18.3%	the second quarter of 2026	—
Liquid assets	401.9M	as of June 30, 2026	—
Mortgage banking segment loan originations	413.3M	the first six months of 2026	—

Mortgage lender services fee income	$969,000	the second quarter of 2026	+27.2%

Mortgage loan originations - mortgage banking: Purchases	$209.26M	the quarter ended 6/30/2026	—
Mortgage loan originations - mortgage banking: Refinancings	$24.48M	the quarter ended 6/30/2026	—
Mortgage loan originations - mortgage banking: Total	$233.73M	the quarter ended 6/30/2026	—
Mortgage loans sold - mortgage banking	$245.73M	the quarter ended 6/30/2026	—
Net interest margin non-GAAP	4.41%	the quarter ended 6/30/2026	—
Nonaccrual loans to total loans	0.07%	As of 6/30/2026 (Community Banking)	—
Price to tangible book value ratio non-GAAP	1.03	As of 6/30/2026	—
Tangible book value per share non-GAAP	$77.45	as of June 30, 2026	—
Tier 1 leverage ratio	10.3%	As of 6/30/2026 (C&F Financial Corporation)	—
Tier 1 risk-based capital ratio	12.3%	As of 6/30/2026 (C&F Financial Corporation)	—
Total delinquent loans as a percentage of total loans	3.56%	as of June 30, 2026	—
Uninsured deposits	726.4M	as of June 30, 2026	—
Consolidated annualized net interest margin	4.27%	first quarter of 2026	—

Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period

Versus peers

Banks - Regional — same industry group

Open screener →

Company	Mkt cap	YTD	Rev growth Y/Y	P/E	Short % shares
CFFI C & F Financial Corp this stock	$276.20M	+17.0%	+10.6%	9.5	1.0%
MFG Mizuho Financial Group Inc	$124.89B	+40.4%	—	—	0.1%
HDB Hdfc Bank Ltd	$121.23B	-35.4%	+15.2%	—	0.5%
IBN Icici Bank Ltd	$105.45B	+0.4%	—	—	0.5%
CIXPF CaixaBank/ADR	$100.59B	+19.4%	—	—	0.1%

Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding

At a glance

key data from every section

Ownership

Institutional Holders Accumulating

Holders

% held: 41.5%
Net QoQ: +27.4K sh
Top holder: BlackRock, Inc.

Held Float

View

Held by Funds

Fund positions

129

View

Short & Settlement

Short Interest Falling

Shares short

32.1K

Days to cover: 6.1d
Change: -208 sh

View

Short Volume

Short vol %

77%

As of: Aug 21, 2026

Short Total

View

Fails to Deliver

FTD shares

Value: $1.1K
As of: Jul 17, 2026

View

Off-Exchange

Off-exchange %

16.3%

Week of: Jul 13, 2026

Off-exch Lit

View

Smart Money

Insider Trades Net selling

Net (90d)

-$466.6K

Buyers / Sellers: 0 / 5

Buyers Sellers

View

Financials

Revenue (FY)

$140.8M

Net income (FY): $26.8M
EPS diluted: $8.29

View

Buybacks

Authorized

$5.0M

Remaining: $4.7M

Spent Remaining

View

Filings

SEC Filings

Latest

8-K

Filed: Aug 19, 2026
This year: 16

View

Proposed Sales

Value

$87.6K

Shares: 1.0K
Filed: Aug 19, 2026

View

Earnings & Events

Earnings Calls

Last call

Apr 30, 2026

View

Investor Relations

Performance

	5D	20D	120D	MTD	YTD
CFFI	-3.9%	+8.9%	+13.7%	+2.9%	+17.0%
SPY	-1.4%	+3.6%	+11.6%	+2.5%	+12.3%
vs SPY	-2.5%	+5.3%	+2.1%	+0.4%	+4.7%

Capital returns

Latest dividend

$0.48 / share · ex Jun 15, 2026

Declared · upcoming

$0.48 / share · ex Sep 15, 2026

Raised 4.3%

Paid (TTM)

$1.88 / share · 4 payouts

Dividend yield (TTM, derived)

2.21%

Buyback program · as of Jul 23, 2026

Authorized

$5.00M

Spent (derived)

$312,000

Remaining

$4.69M

Spent Remaining

Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.

Key facts CIK 913341 CUSIP 12466Q104 13F (30d) 74 filings 74 filers Visit website Investor relations

CFFI · C & F Financial Corp

Price & Indicators

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Equibles Rating

Technicals

Key metrics

Versus peers

At a glance

Performance

Capital returns