Lumida
/CFFI
⌘K
C&F Financial Corp

C&F Financial Corp

CFFI
$95.00USD+1.47%+1.38 today

MARKET CAP

308.9M

P/E (TTM)

11.5x

FWD P/E

DAY RANGE

$93 – $96

52W RANGE

$65
$96

AI Summary

Stalk
StalkMedium

The stock remains in a strong Stage 2 uptrend with momentum breakouts confirming Medium-Term bullish asymmetry, but price is currently extended and overbought. A deferred entry is appropriate, looking for a pullback into the breakout zone or dynamic support near the 9/21 EMAs before engaging. Long-Term structural trend is positive; Medium-Term directional permission favors long-side participation; Short-Term timing calls for patience for a better entry zone.

  • Q2 EPS rose to $2.63, up 11.6% YoY on $38.2M revenue.
  • Net interest margin improved to 4.41%, driven by higher loan yields.
  • CEO sold shares, suggesting potential leadership confidence issues.
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2021FY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$143.6M$130.6M$153.8M$170.1M$186.1M
YoY %-5.3%-9.1%+17.8%+10.7%+9.4%
P / Sales1.3x1.6x1.5x1.4x1.3x
EV / Sales15.5x17.8x15.9x15.0x14.7x
Gross Profit, Adj.$135.2M$122.7M$127.3M$127.3M$140.8M
YoY %-2.1%-9.3%+3.8%-0.0%+10.6%
Margin %94.2%94.0%82.8%74.8%75.7%
EV / Gross Profit16.4x19.0x19.2x20.1x19.4x
EBITDA, Adj.$38.1M$37.0M$29.2M$24.1M$33.1M
YoY %+21.2%-2.9%-21.1%-17.3%+37.0%
Margin %26.5%28.3%19.0%14.2%17.8%
EV / EBITDA58.3x62.9x83.7x105.9x82.5x
EBIT$38.1M$37.0M$29.2M$24.1M$33.1M
YoY %+30.3%-2.9%-21.1%-17.3%+37.0%
Margin %26.5%28.3%19.0%14.2%17.8%
EV / EBIT58.3x62.9x83.7x105.9x82.5x
Net Income$28.7M$29.2M$23.6M$19.8M$26.8M
YoY %+29.6%+1.7%-19.1%-16.0%+35.3%
Net Margin20.0%22.3%15.4%11.7%14.4%
EPS (GAAP)$7.95$8.29$6.92$6.01$8.29
YoY %+31.2%+4.3%-16.5%-13.2%+37.9%