CF Financial Financials

CFFI Stock  USD 67.30  1.14  1.72%   
CF Financial is performing exceptionally good at this time. It has a great probability to report excellent financial results in August. As of now, CF Financial's Total Current Liabilities is increasing as compared to previous years. The CF Financial's current Retained Earnings is estimated to increase to about 260.2 M, while Total Stockholder Equity is projected to decrease to under 116 M. Key indicators impacting CF Financial's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.170.1191
Significantly Up
Pretty Stable
Return On Assets0.01450.0077
Way Up
Pretty Stable
Return On Equity0.140.0876
Way Up
Very volatile
Debt Equity Ratio0.510.5417
Notably Down
Slightly volatile
Operating Income19.2 M24.1 M
Significantly Down
Slightly volatile
Current Ratio0.130.0647
Way Up
Pretty Stable
Investors should never underestimate CF Financial's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor CF Financial's cash flow, debt, and profitability to make informed and accurate decisions about investing in CF Financial.

Net Income

13.99 Million

  
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Understanding current and past CF Financial Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of CF Financial's financial statements are interrelated, with each one affecting the others. For example, an increase in CF Financial's assets may result in an increase in income on the income statement.

CF Financial Stock Summary

CF Financial competes with Community West, Oak Valley, Chemung Financial, City Holding, and Colony Bankcorp. CF Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. CF Financial Corporation was founded in 1927 and is headquartered in West Point, Virginia. CF Financial operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 650 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS12466Q1040
CUSIP12466Q104
LocationVirginia; U.S.A
Business Address3600 La Grange
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.cffc.com
Phone804 843 2360
CurrencyUSD - US Dollar

CF Financial Key Financial Ratios

CF Financial Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets2.1B2.3B2.3B2.4B2.6B2.7B
Other Current Liab1.8B1.9B2.0B2.1B2.2B2.3B
Net Debt(10.5M)(177.3M)65.4M34.4M57.0M39.7M
Retained Earnings170.8M193.8M217.2M233.8M247.8M260.2M
Cash86.7M267.7M26.7M75.2M65.6M66.8M
Other Assets2.1B1.2B1.7B(409.9M)2.0B2.1B
Net Receivables8.1M6.8M9.0M10.4M10.6M5.9M
Total Liab1.9B2.1B2.1B2.2B2.3B2.5B
Total Current Assets381.2M647.6M548.2M548.0M142.6M227.2M
Common Stock3.3M3.5M3.4M3.2M3.1M2.6M
Accounts Payable1.1M715K950K3.5M4.4M4.6M
Short Term Debt20.5M34.7M36.6M58.2M29.0M30.4M
Other Liab33.0M63.5M48.4M29.9M34.4M25.6M
Long Term Debt55.7M55.7M55.5M51.3M93.6M118.9M
Inventory(96.0M)(275.6M)(36.0M)99.1M89.2M93.7M
Other Current Assets96.0M275.6M36.0M731.6M658.4M459.9M
Intangible Assets2.3M2.0M1.7M1.4M1.1M1.2M
Net Tangible Assets149.5M166.3M211.0M168.8M194.1M144.5M
Long Term Debt Total144.8M144.8M55.7M55.7M50.2M47.6M
Capital Surpluse12.8M9.5M21.4M15.2M17.5M13.3M

CF Financial Key Income Statement Accounts

202020212022202320242025 (projected)
Interest Expense13.4M8.4M7.9M26.4M42.8M45.0M
Total Revenue148.2M140.0M123.5M149.8M166.5M99.6M
Gross Profit123.8M131.0M112.4M115.1M110.4M76.2M
Operating Income29.2M38.4M37.0M29.2M24.1M19.2M
Ebit29.2M38.1M37.0M29.2M24.1M19.2M
Ebitda33.4M42.8M41.3M33.0M28.0M22.0M
Cost Of Revenue24.5M8.9M11.1M34.7M56.1M58.9M
Income Before Tax29.2M38.1M37.0M29.2M24.1M19.2M
Net Income22.1M28.7M29.2M23.6M19.8M14.0M
Income Tax Expense6.8M9.0M7.6M5.4M4.2M5.2M
Tax Provision6.8M9.0M7.6M6.8M4.2M7.1M
Net Interest Income83.5M85.4M93.5M99.7M96.8M94.6M
Interest Income96.9M93.7M101.4M120.1M139.6M110.6M
Minority Interest307K456K(210K)(120K)(84K)(79.8K)

CF Financial Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash(78.8M)181.1M(241.1M)48.5M(9.6M)(9.1M)
Free Cash Flow(90.6M)152.6M87.2M37.4M35.0M20.6M
Depreciation4.2M4.7M4.4M3.9M3.9M2.7M
Other Non Cash Items(114.9M)125.8M63.6M9.5M5.3M8.1M
Dividends Paid5.5M5.7M5.8M6.0M5.8M4.1M
Capital Expenditures10.2M4.8M3.4M1.5M3.5M2.9M
Net Income22.4M29.1M29.4M23.7M19.9M14.0M
End Period Cash Flow86.7M267.7M26.7M75.2M65.6M70.8M
Investments(189.5M)(150.6M)(411.3M)(120.7M)(148.6M)(156.1M)
Change Receivables153K660K(897K)1.3M1.5M1.6M
Net Borrowings1.4M(97.7M)14.3M1.9M1.7M1.8M
Change To Netincome(37.4M)(82.5M)149.0M66.4M76.4M80.2M

CFFI Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining CF Financial's current stock value. Our valuation model uses many indicators to compare CF Financial value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across CF Financial competition to find correlations between indicators driving CF Financial's intrinsic value. More Info.
CF Financial is rated fifth in return on equity category among its peers. It also is rated fifth in return on asset category among its peers reporting about  0.09  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for CF Financial is roughly  11.26 . As of now, CF Financial's Return On Equity is decreasing as compared to previous years. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the CF Financial's earnings, one of the primary drivers of an investment's value.

CF Financial Systematic Risk

CF Financial's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. CF Financial volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was thirty with a total number of output elements of thirty-one. The Beta measures systematic risk based on how returns on CF Financial correlated with the market. If Beta is less than 0 CF Financial generally moves in the opposite direction as compared to the market. If CF Financial Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one CF Financial is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of CF Financial is generally in the same direction as the market. If Beta > 1 CF Financial moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in CF Financial Stock are looking for potential investment opportunities by analyzing not only static indicators but also various CF Financial's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of CF Financial growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.86)

As of now, CF Financial's Price Earnings To Growth Ratio is decreasing as compared to previous years.

CF Financial July 21, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of CF Financial help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of CF Financial. We use our internally-developed statistical techniques to arrive at the intrinsic value of CF Financial based on widely used predictive technical indicators. In general, we focus on analyzing CFFI Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build CF Financial's daily price indicators and compare them against related drivers.

Complementary Tools for CFFI Stock analysis

When running CF Financial's price analysis, check to measure CF Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy CF Financial is operating at the current time. Most of CF Financial's value examination focuses on studying past and present price action to predict the probability of CF Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move CF Financial's price. Additionally, you may evaluate how the addition of CF Financial to your portfolios can decrease your overall portfolio volatility.
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