What is the 13F Pro Quality Score for CFFI?

13F Pro ranks C & F FINANCIAL CORP (CFFI) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View CFFI's current score at https://13fpro.ai/company/CFFI (free sign-up required for the full ranking).

Where does 13F Pro source CFFI data?

All C & F FINANCIAL CORP fundamentals and ownership data come directly from SEC EDGAR. C & F FINANCIAL CORP files with the SEC under CIK 913341. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is CFFI in?

C & F FINANCIAL CORP (CFFI) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is CFFI research updated on 13F Pro?

CFFI's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

C & F FINANCIAL CORP(CFFI)Stock Analysis

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13F Pro Quality Score

51.5/100

Rank #1,530 of 2,962 stocks

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

57.5/100

Profitability

80.2/100

Balance Sheet

43.2/100

Earnings Quality

66.6/100

Free Cash Flow

79.7/100

Institutional Flow

34.2/100

Revenue Scale

20.0/100

Dilution Risk

49.6/100

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Why CFFI Scores 52/100

exact factor attribution · 2026-09-11

CFFI's composite is driven by profitability and free cash flow, held back by scale and institutional flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+6.0 pts

80th pct

Free cash flow

+4.5 pts

80th pct

Revenue growth

+2.0 pts

58th pct

Earnings quality

+1.7 pts

67th pct

Earnings growth

+1.4 pts

72th pct

Shareholder dilution

-0.0 pts

50th pct

Capital efficiency

-0.9 pts

43th pct

Institutional flow

-1.1 pts

34th pct

Scale

-6.0 pts

20th pct

Latest change (2026-08-10): 55 → 51 · ↓ Free cash flow 71→44

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

CFFI Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 51.5/100 on a 32-signal composite quality model, placing it at rank #1,530 of 2,962 stocks — the bottom half of the AI-ranked universe. CFFI scores in the top quartile across profitability (80.2), free cash flow (79.7). Areas of concern include revenue scale (20.0) and institutional flow (34.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 49.6/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), C & F FINANCIAL CORP reports quarterly revenue of $40.9M, net income of $8.6M, an operating margin of 26.6%. Top institutional holders of CFFI by reported 13-F value include BlackRock, DIMENSIONAL FUND ADVISORS, 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. C & F FINANCIAL CORP's 13F Pro composite quality score has ranged between 44 and 53 since 2024, currently 51.5 — an improving long-term trajectory across 55 quarterly and live scoring snapshots.

Revenue

Q2 2026

$40.9M

Net Income

Q2 2026

$8.6M

Free Cash Flow

Q2 2026

$22.3M

Operating Margin

Q2 2026

26.6%

ROIC

Q2 2026

15.7%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+10.6% YoY

$140.8MFY 2025

FY22 $122.7MFY23 $127.3MFY24 $127.3MFY25 $140.8M

Net Income

+35.3% YoY

$26.8MFY 2025

FY22 $29.2MFY23 $23.6MFY24 $19.8MFY25 $26.8M

EPS (Diluted)

+37.9% YoY

$8.29FY 2025

FY22 $8.29FY23 $6.92FY24 $6.01FY25 $8.29

Total Assets

+8.0% YoY

$2.77BFY 2025

FY22 $2.33BFY23 $2.44BFY24 $2.56BFY25 $2.77B

Total Debt

-31.0% YoY

$20.0MFY 2025

FY22 $36.6MFY23 $58.2MFY24 $29.0MFY25 $20.0M

Op. Cash Flow

-33.4% YoY

$24.5MFY 2025

FY22 $90.6MFY23 $38.8MFY24 $36.8MFY25 $24.5M

Free Cash Flow

-33.4% YoY

$22.2MFY 2025

FY22 $87.2MFY23 $37.4MFY24 $33.3MFY25 $22.2M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$140.8M +10.6%	$127.3M -0.0%	$127.3M +3.8%	$122.7M -9.3%	$135.2M -2.1%	$138.1M
Net Income	$26.8M +35.3%	$19.8M -16.0%	$23.6M -19.1%	$29.2M +1.7%	$28.7M +29.6%	$22.1M
EPS (Diluted)	$8.29 +37.9%	$6.01 -13.2%	$6.92 -16.5%	$8.29 +4.3%	$7.95 +31.2%	$6.06
Total Assets	$2.77B +8.0%	$2.56B +5.1%	$2.44B +4.6%	$2.33B +3.0%	$2.26B +8.5%	$2.09B
Total Debt	$20.0M -31.0%	$29.0M -50.2%	$58.2M +59.1%	$36.6M +5.3%	$34.7M +69.8%	$20.5M
Operating Cash Flow	$24.5M -33.4%	$36.8M -5.3%	$38.8M -57.1%	$90.6M -42.5%	$157.4M +295.8%	$-80.4M
Free Cash Flow	$22.2M -33.4%	$33.3M -10.9%	$37.4M -57.1%	$87.2M -42.9%	$152.6M +268.4%	$-90.6M

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Available Research

13F Pro tracks comprehensive data for C & F FINANCIAL CORP including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of CFFI

BlackRock, Inc.
$15.7M195,737 sh
DIMENSIONAL FUND ADVISORS LP
$14.7M183,881 sh
VANGUARD CAPITAL MANAGEMENT LLC
$10.8M135,593 sh
MANUFACTURERS LIFE INSURANCE COMPANY, THE
$8.1M101,134 sh
GEODE CAPITAL MANAGEMENT, LLC
$6.2M78,063 sh
RENAISSANCE TECHNOLOGIES LLC
$6.2M78,079 sh
Huber Capital Management LLC
$4.8M60,415 sh
STATE STREET CORP
$3.5M43,533 sh
AMERICAN CENTURY COMPANIES INC
$3.4M42,621 sh
BRIDGEWAY CAPITAL MANAGEMENT, LLC
$3.1M38,786 sh

Fund	Value	Shares
BlackRock, Inc.	$15.7M	195,737
DIMENSIONAL FUND ADVISORS LP	$14.7M	183,881
VANGUARD CAPITAL MANAGEMENT LLC	$10.8M	135,593
MANUFACTURERS LIFE INSURANCE COMPANY, THE	$8.1M	101,134
GEODE CAPITAL MANAGEMENT, LLC	$6.2M	78,063
RENAISSANCE TECHNOLOGIES LLC	$6.2M	78,079
Huber Capital Management LLC	$4.8M	60,415
STATE STREET CORP	$3.5M	43,533
AMERICAN CENTURY COMPANIES INC	$3.4M	42,621
BRIDGEWAY CAPITAL MANAGEMENT, LLC	$3.1M	38,786

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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. CFFI is classified as a small company.

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.