CFFI C&F Financial Corporation - Common Stock

NASDAQ · Banking · Lihat di SEC EDGAR ↗
$72,00
Harga · Mei 19, 2026
Fundamental per Mei 11, 2026

CFFI Cuplikan Saham Harga, kapitalisasi pasar, P/E, EPS, ROE, utang/ekuitas, kisaran 52 minggu

Harga
$72.00
Kapitalisasi Pasar
$236M
P/E (TTM)
8.8
EPS (TTM)
$8.29
Pendapatan (TTM)
$141M
Imbal Hasil Dividen
2.5%
ROE
11.0%
D/E Utang/Ekuitas
0.1
Rentang 52M
$57 – $81

CFFI Grafik Harga Saham OHLCV harian dengan indikator teknis — geser, perbesar, dan sesuaikan tampilan Anda

Kinerja 10 Tahun Tren Pendapatan, laba bersih, margin, dan EPS

Pendapatan & Laba Bersih $141M
7-point trend, +25.9%
2019-12-31 2025-12-31
EPS $8.29
7-point trend, +51.6%
2019-12-31 2025-12-31
Arus Kas Bebas $22M
7-point trend, +224.0%
2019-12-31 2025-12-31
Margin 19.1%

Valuasi Rasio P/E, P/S, P/B, EV/EBITDA — apakah sahamnya mahal atau murah?

Metrik
Tren 5 Tahun
CFFI
Median Rekan
P/E (TTM)
5-point trend, +36.0%
8.8
12.7
P/S (TTM)
5-point trend, +24.6%
1.7
1.7
P/B
5-point trend, +4.3%
0.9
1.0
Price / FCF (Harga / FCF)
5-point trend, +793.9%
10.6

Profitabilitas Margin kotor, operasional, dan bersih; ROE, ROA, ROIC

Metrik
Tren 5 Tahun
CFFI
Median Rekan
Net Profit Margin (Margin Laba Bersih)
5-point trend, -10.6%
19.1%
22.8%
ROA
5-point trend, -23.5%
1.0%
0.75%
ROE
5-point trend, -22.5%
11.0%
8.5%

Kesehatan Keuangan Utang, likuiditas, solvabilitas — kekuatan neraca

Metrik
Tren 5 Tahun
CFFI
Median Rekan
Debt / Equity (Utang / Ekuitas)
5-point trend, -53.8%
0.1
19.4

Pertumbuhan Pertumbuhan Pendapatan, EPS, dan Laba Bersih: YoY, CAGR 3T, CAGR 5T

Metrik
Tren 5 Tahun
CFFI
Median Rekan
Revenue YoY (Pendapatan YoY)
5-point trend, +4.2%
10.6%
Revenue CAGR 3Y (CAGR Pendapatan 3T)
5-point trend, +4.2%
4.7%
Revenue CAGR 5Y (CAGR Pendapatan 5T)
5-point trend, +4.2%
0.39%
EPS YoY
5-point trend, +4.3%
37.9%
Net Income YoY (Laba Bersih YoY)
5-point trend, -6.4%
35.3%

Metrik Per Saham EPS, nilai buku per saham, arus kas per saham, dividen per saham

Metrik
Tren 5 Tahun
CFFI
Median Rekan
EPS (Diluted)
5-point trend, +4.3%
$8.29

Efisiensi Modal Perputaran aset, perputaran persediaan, perputaran piutang

Metrik
Tren 5 Tahun
CFFI
Median Rekan
Payout Ratio (Rasio Pembayaran Dividen)
5-point trend, +12.0%
22.2%

Dividen Yield, rasio pembayaran, riwayat dividen, CAGR 5 tahun

Imbal Hasil Dividen
2.5%
Rasio Pembayaran Dividen
22.2%
CAGR Dividen 5T
Tanggal ex-dividenJumlah
13 Maret 2026$0,4800
15 Des. 2025$0,4600
15 Sep. 2025$0,4600
13 Juni 2025$0,4600
14 Maret 2025$0,4600
13 Des. 2024$0,4400
13 Sep. 2024$0,4400
14 Juni 2024$0,4400
14 Maret 2024$0,4400
14 Des. 2023$0,4400
14 Sep. 2023$0,4400
14 Juni 2023$0,4400
14 Maret 2023$0,4400
14 Des. 2022$0,4200
14 Sep. 2022$0,4200
14 Juni 2022$0,4000
14 Maret 2022$0,4000
14 Des. 2021$0,4000
14 Sep. 2021$0,4000
14 Juni 2021$0,4000

Riwayat Pendapatan EPS aktual vs perkiraan, kejutan %, tingkat keberhasilan, tanggal pendapatan berikutnya

Kejutan Rata-rata
0.20%
Periode EPS Aktual EPS Estimasi Kejutan
31 Maret 2026 $2.08
31 Des. 2023 $1.51
30 Sep. 2023 $1.71
31 Des. 2022 $2.30
31 Maret 2012 $1.11 $0.91 0.20%

Perbandingan Sejawat Metrik utama vs rekan sektor

Ticker Kapitalisasi Pasar P/E Pendapatan YoY Margin Bersih ROE Margin Kotor
CFFI $236M 8.8 10.6% 19.1% 11.0%
CBNA 11.2 3.8% 36.8% 12.4%
BPRN 12.8 12.8%
FUNC $243M 9.9 4.0% 133.1% 12.4%
LCNB $233M 10.1 13.3% 25.1% 8.6%
VABK $215M 11.2 6.7% 33.4% 10.8%
TFC $62.13B 12.9 53.0% 26.1% 8.2%

Fundamental Lengkap Semua metrik per tahun — laporan laba rugi, neraca, arus kas

Laporan Laba Rugi 10
Data Laporan Laba Rugi Tahunan untuk CFFI
Metrik Tren 202520242023202220212020201920182017201620152014
Revenue 12-point trend, +33.0% $141M $127M $127M $123M $135M $138M $112M $119M $117M $115M $108M $106M
Interest Expense 10-point trend, +210.0% · · $26M $8M $8M $13M $15M $11M $10M $9M $9M $9M
Interest Income 12-point trend, +75.2% $151M $140M $124M $101M $94M $97M $95M $93M $90M $89M $87M $86M
Pretax Income 12-point trend, +89.1% $33M $24M $29M $37M $38M $29M $24M $23M $18M $18M $17M $17M
Income Tax 12-point trend, +18.2% $6M $4M $5M $8M $9M $7M $5M $5M $11M $4M $5M $5M
Net Income 12-point trend, +117.4% $27M $20M $24M $29M $29M $22M $19M $18M $7M $13M $13M $12M
EPS (Basic) 12-point trend, +128.4% $8.29 $6.01 $6.92 $8.29 $7.95 $6.06 $5.47 $5.15 $1.89 $3.90 $3.68 $3.63
EPS (Diluted) 12-point trend, +130.9% $8.29 $6.01 $6.92 $8.29 $7.95 $6.06 $5.47 $5.15 $1.88 $3.89 $3.68 $3.59
Shares (Basic) 12-point trend, -4.9% 3,237,541 3,299,574 3,411,995 3,517,114 3,604,119 3,648,696 3,450,745 3,501,221 3,486,510 3,454,282 3,401,426 3,404,112
Shares (Diluted) 12-point trend, -5.8% 3,237,541 3,299,574 3,411,995 3,517,114 3,604,119 3,648,696 3,450,745 3,501,221 3,486,589 3,455,883 3,401,834 3,436,278
Neraca 16
Data Neraca Tahunan untuk CFFI
Metrik Tren 202520242023202220212020201920182017201620152014
PP&E (Net) 12-point trend, +5.1% $39M $40M $42M $44M $45M $44M $35M $37M $37M $36M $37M $37M
PP&E (Gross) 12-point trend, +5.1% $83M $82M $82M $81M $79M $76M $62M $62M $76M $74M $74M $79M
Accum. Depreciation 12-point trend, +5.1% $44M $41M $40M $37M $35M $31M $27M $25M $39M $38M $37M $42M
Goodwill 12-point trend, +74.6% $25M $25M $25M $25M $25M $25M $14M $14M $14M $14M $14M $14M
Intangibles 11-point trend, -43.8% $909.0K $1M $1M $2M $2M $2M $912.0K $1M $2M $2M $2M ·
Total Assets 12-point trend, +106.9% $2.77B $2.56B $2.44B $2.33B $2.26B $2.09B $1.66B $1.52B $1.51B $1.45B $1.41B $1.34B
Short-term Debt 12-point trend, +38.5% $20M $29M $58M $37M $35M $20M $16M $15M $21M $12M $12M $14M
Total Liabilities 12-point trend, +106.3% $2.51B $2.34B $2.22B $2.14B $2.05B $1.89B $1.49B $1.37B $1.37B $1.31B $1.27B $1.21B
Total Debt 12-point trend, +38.5% $20M $29M $58M $37M $35M $20M $16M $15M $21M $12M $12M $14M
Common Stock 12-point trend, -4.2% $3M $3M $3M $3M $3M $4M $3M $3M $3M $3M $3M $3M
Paid-in Capital 12-point trend, -88.6% $1M $36.0K $7M $12M $15M $21M $10M $13M $13M $12M $10M $9M
Retained Earnings 12-point trend, +149.3% $269M $248M $234M $217M $194M $171M $154M $141M $127M $125M $116M $108M
AOCI 12-point trend, -461.8% $-11M $-25M $-27M $-37M $-2M $-2M $-2M $-5M $-2M $-984.0K $1M $3M
Stockholders' Equity 12-point trend, +111.8% $262M $226M $217M $196M $210M $194M $165M $152M $142M $139M $131M $124M
Liabilities + Equity 12-point trend, +106.9% $2.77B $2.56B $2.44B $2.33B $2.26B $2.09B $1.66B $1.52B $1.51B $1.45B $1.41B $1.34B
Shares Outstanding 12-point trend, -5.1% 3,245,972 3,233,672 3,374,098 3,476,614 3,545,554 3,670,301 3,438,126 3,497,122 3,495,845 3,472,561 3,437,787 3,418,750
Arus Kas 18
Data Arus Kas Tahunan untuk CFFI
Metrik Tren 202520242023202220212020201920182017201620152014
D&A 9-point trend, +13.8% $4M $4M $4M $4M $5M $4M $4M $4M $3M · · ·
Stock-based Comp 12-point trend, +67.3% $2M $2M $2M $2M $2M $1M $1M $1M $1M $1M $1M $1M
Deferred Tax 12-point trend, -93.1% $154.0K $474.0K $586.0K $708.0K $-90.0K $-817.0K $354.0K $632.0K $9M $-23.0K $1M $2M
Amort. of Intangibles 12-point trend, -80.0% $238.0K $260.0K $272.0K $298.0K $314.0K $332.0K $230.0K $451.0K $676.0K $754.0K $966.0K $1M
Operating Cash Flow 12-point trend, -28.3% $24M $37M $39M $91M $157M $-80M $-15M $48M $26M $27M $15M $34M
CapEx 12-point trend, +28.3% $2M $3M $1M $3M $5M $10M $3M $3M $4M $3M $2M $2M
Investing Cash Flow 11-point trend, -102.4% $-169M $-147M $-56M $-411M $-139M $-183M $-36M $-48M $-60M $-106M $-84M ·
Debt Issued 4-point trend, +471.4% $40M $40M · · · $20M $7M · · · · ·
Net Debt Issued 6-point trend, +900.0% $20M $40M $-4M · · $-102M $0 $-2M · · · ·
Stock Issued 5-point trend, +8.3% · · · · · · · $144.0K $147.0K $149.0K $135.0K $133.0K
Stock Repurchased 12-point trend, +485.7% $943.0K $9M $8M $5M $8M $1M $5M $2M $560.0K $414.0K $2M $161.0K
Net Stock Activity 12-point trend, -3267.9% $-943.0K $-9M $-8M $-5M $-8M $-1M $-4M $-961.0K $-413.0K $-265.0K $-2M $-28.0K
Dividends Paid 12-point trend, +47.0% $6M $6M $6M $6M $6M $6M $5M $5M $5M $4M $4M $4M
Financing Cash Flow 11-point trend, +195.2% $158M $101M $66M $80M $162M $185M $101M $-4M $50M $30M $54M ·
Net Change in Cash · · · · · · · · · · · $19M
Taxes Paid 2-point trend, -6.9% $6M · $6M · · · · · · · · ·
Free Cash Flow 12-point trend, -31.5% $22M $35M $37M $87M $153M $-91M $-18M $44M $23M $26M $14M $32M
Levered FCF 10-point trend, -39.6% · · $16M $81M $146M $-101M $-29M $35M $19M $19M $7M $26M
Profitabilitas 4
Data Profitabilitas Tahunan untuk CFFI
Metrik Tren 202520242023202220212020201920182017201620152014
Net Margin 12-point trend, +63.7% 19.1% 15.6% 18.5% 23.9% 21.3% 14.5% 14.8% 15.2% 5.7% 11.7% 11.6% 11.6%
Pretax Margin 12-point trend, +45.8% 23.5% 19.0% 22.9% 30.3% 28.3% 19.2% 18.8% 19.1% 15.4% 15.6% 16.1% 16.1%
ROA 12-point trend, +8.6% 1.0% 0.79% 0.99% 1.3% 1.3% 1.2% 1.1% 1.2% 0.44% 0.94% 0.90% 0.93%
ROE 12-point trend, +9.5% 11.0% 8.9% 11.4% 14.4% 14.2% 12.3% 11.9% 12.3% 4.5% 9.7% 9.6% 10.1%
Likuiditas & Solvabilitas 1
Data Likuiditas & Solvabilitas Tahunan untuk CFFI
Metrik Tren 202520242023202220212020201920182017201620152014
Debt / Equity 12-point trend, -34.7% 0.1 0.1 0.3 0.2 0.2 0.1 0.1 0.1 0.1 0.1 0.1 0.1
Efisiensi 1
Data Efisiensi Tahunan untuk CFFI
Metrik Tren 202520242023202220212020201920182017201620152014
Asset Turnover 12-point trend, -34.1% 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1
Per Saham 6
Data Per Saham Tahunan untuk CFFI
Metrik Tren 202520242023202220212020201920182017201620152014
Book Value / Share 12-point trend, +123.5% $80.64 $70.00 $64.28 $56.27 $59.32 $52.80 $47.93 $43.45 $40.53 $40.09 $38.12 $36.09
Revenue / Share 10-point trend, +40.9% $43.50 $38.58 $37.32 · $37.33 · $36.81 $33.79 $33.37 $33.30 $31.68 $30.87
Cash Flow / Share 10-point trend, -23.9% $7.56 $11.66 $11.37 · $43.67 · $-4.39 $13.46 $7.63 $7.88 $4.51 $9.95
Dividend / Share 12-point trend, +54.6% $2 $2 $2 $2 $2 $2 $1 $1 $1 $1 $1 $1
Dividend Paid / Share 5-point trend, +32.8% · · · · $2 $2 $1 $1 · · · $1
EPS (TTM) 12-point trend, +130.9% $8.29 $6.01 $6.92 $8.29 $7.95 $6.06 $5.47 $5.15 $1.88 $3.89 $3.68 $3.59
Tingkat Pertumbuhan 10
Data Tingkat Pertumbuhan Tahunan untuk CFFI
Metrik Tren 202520242023202220212020201920182017201620152014
Revenue YoY 5-point trend, +599.1% 10.6% -0.01% 3.8% -9.3% -2.1% · · · · · · ·
Revenue CAGR 3Y 3-point trend, +275.7% 4.7% -2.0% -2.7% · · · · · · · · ·
Revenue CAGR 5Y 0.39% · · · · · · · · · · ·
EPS YoY 5-point trend, +21.6% 37.9% -13.2% -16.5% 4.3% 31.2% · · · · · · ·
EPS CAGR 3Y 3-point trend, -100.0% 0.00% -8.9% 4.5% · · · · · · · · ·
EPS CAGR 5Y 6.5% · · · · · · · · · · ·
Net Income YoY 5-point trend, +19.2% 35.3% -16.0% -19.1% 1.7% 29.6% · · · · · · ·
Net Income CAGR 3Y 3-point trend, -224.7% -2.7% -11.6% 2.2% · · · · · · · · ·
Net Income CAGR 5Y 3.9% · · · · · · · · · · ·
Dividend CAGR 5Y 1.4% · · · · · · · · · · ·
Valuasi (TTM) 13
Data Valuasi (TTM) Tahunan untuk CFFI
Metrik Tren 202520242023202220212020201920182017201620152014
Revenue TTM 12-point trend, +33.0% $141M $127M $127M $123M $135M $138M $112M $119M $117M $115M $108M $106M
Net Income TTM 12-point trend, +117.4% $27M $20M $24M $29M $29M $22M $19M $18M $7M $13M $13M $12M
Market Cap 12-point trend, +73.4% $236M $230M $230M $203M $181M $136M $190M $186M $203M $173M $134M $136M
P/E 12-point trend, -20.9% 8.8 11.9 9.9 7.0 6.4 6.1 10.1 10.3 30.9 12.8 10.6 11.1
P/S 12-point trend, +30.4% 1.7 1.8 1.8 1.7 1.3 1.0 1.7 1.6 1.7 1.5 1.2 1.3
P/B 12-point trend, -18.3% 0.9 1.0 1.1 1.0 0.9 0.7 1.2 1.2 1.4 1.2 1.0 1.1
P / Tangible Book 6-point trend, +22.1% 1.0 1.2 1.2 1.2 1.0 0.8 · · · · · ·
P / Cash Flow 12-point trend, +142.0% 9.6 6.0 5.9 2.2 1.2 -1.7 -12.5 3.9 7.6 6.4 8.7 4.0
P / FCF 12-point trend, +153.3% 10.6 6.6 6.2 2.3 1.2 -1.5 -10.6 4.3 8.9 6.8 9.9 4.2
Dividend Yield 12-point trend, -15.1% 2.5% 2.5% 2.6% 2.8% 3.1% 4.1% 2.7% 2.6% 2.3% 2.6% 3.1% 3.0%
Earnings Yield 12-point trend, +26.5% 11.4% 8.4% 10.2% 14.2% 15.5% 16.3% 9.9% 9.7% 3.2% 7.8% 9.4% 9.0%
Payout Ratio 12-point trend, -32.4% 22.2% 29.1% 25.4% 19.7% 19.8% 25.1% 27.2% 27.4% 70.6% 33.2% 33.1% 32.8%
Annual Payout 12-point trend, +47.0% $6M $6M $6M $6M $6M $6M $5M $5M $5M $4M $4M $4M

Laporan Keuangan Laporan laba rugi, neraca, arus kas — tahunan, 5 tahun terakhir

Laporan Laba Rugi
2025-12-312024-12-312023-12-312022-12-312021-12-31
Pendapatan $141M$127M$127M$123M$135M
Laba Bersih $27M$20M$24M$29M$29M
EPS Dilusian $8.29$6.01$6.92$8.29$7.95
Neraca
2025-12-312024-12-312023-12-312022-12-312021-12-31
Utang / Ekuitas 0.10.10.30.20.2
Arus Kas
2025-12-312024-12-312023-12-312022-12-312021-12-31
Arus Kas Bebas $22M$35M$37M$87M$153M

Sinyal Perdagangan Sinyal beli/jual terbaru dengan harga masuk dan rasio risiko/imbalan

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