C & F FINANCIAL CORP(CFFI)Stock Analysis
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Rank #1,212 of 2,879 stocksTOP 50%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk
CFFI Stock Analysis & AI Quality Score
AI stock analysis and institutional research for C & F FINANCIAL CORP (CFFI), a Financials sector company. 13F Pro's AI-powered ranking engine scores CFFI at 54.5/100 on a 32-signal composite quality model, placing it at rank #1,212 of 2,879 stocks — the top half of the AI-ranked universe. CFFI scores in the top quartile across profitability (83.9). Areas of concern include revenue scale (20.5) and institutional flow (32.8), which score below median versus the broader universe. Based on the latest XBRL financial filings (Q4 2025), C & F FINANCIAL CORP reports quarterly revenue of $35.9M, net income of $6.7M, an operating margin of 22.6%. Top institutional holders of CFFI by reported 13-F value include DIMENSIONAL FUND ADVISORS, BlackRock,, VANGUARD CAPITAL MANAGEMENT, based on the most recent SEC filings. CFFI trades on the Nasdaq exchange and files with the SEC under CIK 913341. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CFFI daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for C & F FINANCIAL CORP directly from SEC EDGAR.
Revenue
Q4 2025
$35.9M
Net Income
Q4 2025
$6.7M
Free Cash Flow
Q4 2025
$1.5M
Operating Margin
Q4 2025
22.6%
ROIC
Q4 2025
3.1%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · Pro+Revenue
+14.8% YoYNet Income
-8.0% YoYEPS (Diluted)
+0.0% YoYTotal Assets
+18.7% YoYTotal Debt
-45.3% YoYOp. Cash Flow
-73.0% YoY| Metric | FY 2025 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2017 |
|---|---|---|---|---|---|---|
| Revenue | $140.8M +14.8% | $122.7M -9.3% | $135.2M -2.1% | $138.1M +23.5% | $111.9M -4.2% | $116.8M |
| Net Income | $26.8M -8.0% | $29.2M +1.7% | $28.7M +29.6% | $22.1M +17.3% | $18.9M +187.0% | $6.6M |
| EPS (Diluted) | $8.29 +0.0% | $8.29 +4.3% | $7.95 +31.2% | $6.06 +10.8% | $5.47 +191.0% | $1.88 |
| Total Assets | $2.77B +18.7% | $2.33B +3.0% | $2.26B +8.5% | $2.09B +25.9% | $1.66B +9.8% | $1.51B |
| Total Debt | $20.0M -45.3% | $36.6M +5.3% | $34.7M +69.8% | $20.5M +25.0% | $16.4M -20.7% | $20.6M |
| Operating Cash Flow | $24.5M -73.0% | $90.6M -42.5% | $157.4M +295.8% | $-80.4M -449.3% | $-14.6M -156.8% | $25.8M |
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Available Research
13F Pro tracks comprehensive data for C & F FINANCIAL CORP including:
Top Institutional Holders of CFFI
DIMENSIONAL FUND ADVISORS LP
$13.4M183,607 shBlackRock, Inc.
$12.9M176,925 shVANGUARD CAPITAL MANAGEMENT LLC
$9.9M135,716 shMANUFACTURERS LIFE INSURANCE COMPANY, THE
$7.4M101,962 shRENAISSANCE TECHNOLOGIES LLC
$5.9M80,779 shGEODE CAPITAL MANAGEMENT, LLC
$5.2M71,873 shHuber Capital Management LLC
$4.4M60,415 shSTATE STREET CORP
$3.2M44,045 shAMERICAN CENTURY COMPANIES INC
$3.1M42,746 shBRIDGEWAY CAPITAL MANAGEMENT, LLC
$2.8M38,786 sh
| Fund | Value | Shares |
|---|---|---|
| DIMENSIONAL FUND ADVISORS LP | $13.4M | 183,607 |
| BlackRock, Inc. | $12.9M | 176,925 |
| VANGUARD CAPITAL MANAGEMENT LLC | $9.9M | 135,716 |
| MANUFACTURERS LIFE INSURANCE COMPANY, THE | $7.4M | 101,962 |
| RENAISSANCE TECHNOLOGIES LLC | $5.9M | 80,779 |
| GEODE CAPITAL MANAGEMENT, LLC | $5.2M | 71,873 |
| Huber Capital Management LLC | $4.4M | 60,415 |
| STATE STREET CORP | $3.2M | 44,045 |
| AMERICAN CENTURY COMPANIES INC | $3.1M | 42,746 |
| BRIDGEWAY CAPITAL MANAGEMENT, LLC | $2.8M | 38,786 |
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Popular Research
Is CFFI a good stock to buy?
13F Pro's AI-powered analysis of C & F FINANCIAL CORP (CFFI) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CFFI are available on the CFFI stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.
Which hedge funds own CFFI?
Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CFFI. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of C & F FINANCIAL CORP's investment landscape.