C & F Financial Corp (CFFI) — Titan Protect Analysis

CFFI

C & F Financial Corp

Financial · ·

$74.90

Data: 2026-06-03

✗ ETHICAL FAIL

NONE MOAT

LIMITED

Data Confidence: 0.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$238M

Total market value of the company

Trailing P/E

8.39

Very cheap relative to earnings

Forward P/E

N/A

Based on estimated future earnings — lower means cheaper

Rev Growth

+10.4%

Year-over-year revenue change

Profit Margin

21.3%

How much profit the company keeps from each dollar of revenue

ROE

11.3%

Return on equity — how efficiently it uses shareholder money

Analyst Target

N/A

Recommendation

NONE

Consensus view from ? analysts covering this stock

About C & F Financial Corp

C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. It operates through three segments: Community Banking, Mortgage Banking, and Consumer Finance. The Community Banking segment offers various banking services, such as checking and savings deposit accounts; and business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet and mobile ban

https://www.cffc.com

Country: United States Employees: 575 Industry: Banks - Regional

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% PENDING

Debt must be below 33% of total assets

Cash Ratio

0.0% PENDING

Interest-bearing cash below 33% of assets

Receivables

0.0% PENDING

Receivables below 49% of assets

Revenue Purity

0.0% PENDING

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

DISTRIBUTION

Smart money appears to be selling into strength — caution

Sharpe Ratio

0.900

Good returns relative to risk taken

Kelly Fraction

0.0672

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

0.908

Acceptable balance between returns and drawdown risk

Annual Return

31.8%

Historical annualised return based on price data

Max Drawdown

-35.0%

Largest peak-to-trough decline — the worst it has been

HMM State

BEAR

Statistical model detects bearish conditions

Days in State

269

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.36

Very low correlation to market moves

52W High

$80.99

8% below the year high

52W Low

$57.09

31% above the year low

Avg Volume

4,730

Average daily shares traded — higher means easier to buy and sell

Short Ratio

7.4

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

263.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$8.71

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

N/A

Revenue left after cost of goods — higher means pricing power

Operating Margin

25.6%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$132M

Total revenue over the last 12 months

Net Income

$28M

Profitable — the bottom line is positive

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-03

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