Cf Financial Stock Today

CFFI Stock  USD 67.30  1.14  1.72%   

Performance

Modest

 
Weak
 
Strong

Odds Of Distress

Very Small

 
High
 
Low
CF Financial is trading at 67.30 as of the 20th of July 2025. This is a 1.72% increase since the beginning of the trading day. The stock's open price was 66.16. CF Financial has a very small chance of experiencing financial distress in the next few years but had a somewhat modest performance during the last 90 days. The performance scores are derived for the period starting the 21st of April 2025 and ending today, the 20th of July 2025. Click here to learn more.
Business Domain
Banks
IPO Date
22nd of January 1998
Category
Financial Services
Classification
Financials
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. The company has 3.24 M outstanding shares of which 91.22 K shares are currently shorted by private and institutional investors with about 4.17 trading days to cover. More on CF Financial

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CFFI Stock Highlights

ESG Sustainability
Environmental
Governance
Social
CEOBryan McKernon
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, NASDAQ Composite, Nasdaq Bank, NASDAQ Composite Total, Financials, Banks, Banks—Regional, Financial Services (View all Sectors)
Average Analyst Recommendation
Financial Strength
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.01450.0077
Way Up
Pretty Stable
Asset Turnover0.09930.065
Way Up
Pretty Stable
Gross Profit Margin0.590.6633
Fairly Down
Slightly volatile
Total Current Liabilities2.3 B2.2 B
Sufficiently Up
Slightly volatile
Non Current Liabilities Total121.4 M132.1 M
Significantly Down
Pretty Stable
Total Assets2.7 B2.6 B
Sufficiently Up
Slightly volatile
Total Current Assets227.2 M142.6 M
Way Up
Pretty Stable
Debt Levels
CF Financial can leverage the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand CF Financial's financial leverage. It provides some insight into what part of CF Financial's total assets is financed by creditors.
Liquidity
CF Financial currently holds 122.61 M in liabilities with Debt to Equity (D/E) ratio of 9.72, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. Note, when we think about CF Financial's use of debt, we should always consider it together with its cash and equity.

Change In Working Capital

7.36 Million
CF Financial (CFFI) is traded on NASDAQ Exchange in USA. It is located in 3600 La Grange Parkway, Toano, VA, United States, 23168 and employs 545 people. CF Financial is listed under Regional Banks category by Fama And French industry classification. The company currently falls under 'Small-Cap' category with a current market capitalization of 217.99 M. CF Financial conducts business under Banks sector and is part of Financials industry. The entity has 3.24 M outstanding shares of which 91.22 K shares are currently shorted by private and institutional investors with about 4.17 trading days to cover. CF Financial currently holds about 144.47 M in cash with 38.49 M of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 41.04.
Check CF Financial Probability Of Bankruptcy
Ownership Allocation
The market capitalization of CF Financial is $217.99 Million. 30% of CF Financial outstanding shares are owned by institutions. Institutional investors are typically referred to investors that purchase positions in a given stock to benefit from reduced commissions. Hence, institutional investors are subject to different rules and regulations than regular investors. Please look out for any change in current institutional holding as this could mean something significant has changed at the company or is about to change. Note, that even with substantial debt, if the true value of the firm is larger than the current market value, you may still be able to generate positive returns on investment in this company sooner or later.
Check CFFI Ownership Details

CFFI Stock Institutional Holders

InstituionRecorded OnShares
American Century Companies Inc2025-03-31
32.1 K
Bb&t Corp.2025-03-31
29.6 K
Rhino Investment Partners, Inc.2025-03-31
22.5 K
Arrowstreet Capital Limited Partnership2025-03-31
22.5 K
Jane Street Group Llc2025-03-31
19.8 K
Blackrock Inc2025-03-31
19.3 K
Wells Fargo & Co2025-03-31
17.7 K
Ategra Capital Management Llc2025-03-31
16.5 K
First Manhattan Co. Llc2025-03-31
15.9 K
Dimensional Fund Advisors, Inc.2025-03-31
184.8 K
Vanguard Group Inc2025-03-31
148.9 K
View CF Financial Diagnostics

CF Financial Historical Income Statement

As of now, CF Financial's Selling And Marketing Expenses is increasing as compared to previous years. The CF Financial's current Net Income Applicable To Common Shares is estimated to increase to about 35.2 M, while Depreciation And Amortization is projected to decrease to under 2.7 M. View More Fundamentals

CFFI Stock Against Markets

CF Financial Corporate Executives

Elected by the shareholders, the CF Financial's board of directors comprises two types of representatives: CF Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of CFFI. The board's role is to monitor CF Financial's management team and ensure that shareholders' interests are well served. CF Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, CF Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
When determining whether CF Financial offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of CF Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Cf Financial Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Cf Financial Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in CF Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.
For more detail on how to invest in CFFI Stock please use our How to Invest in CF Financial guide.
You can also try the Technical Analysis module to check basic technical indicators and analysis based on most latest market data.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of CF Financial. If investors know CFFI will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about CF Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.645
Dividend Share
1.78
Earnings Share
6.78
Revenue Per Share
35.651
Quarterly Revenue Growth
0.09
The market value of CF Financial is measured differently than its book value, which is the value of CFFI that is recorded on the company's balance sheet. Investors also form their own opinion of CF Financial's value that differs from its market value or its book value, called intrinsic value, which is CF Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because CF Financial's market value can be influenced by many factors that don't directly affect CF Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between CF Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if CF Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, CF Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.