Stock Ratings / Financials / CFFI / earnings

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C&F Financial Corporation (CFFI) Next Earnings Date & Expected ±6.1% Move

$111.25 +1.39% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $111.32

C&F Financial Corporation (CFFI) carries a Roarable Rating of C- (Hold) with 59/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY) →

ROARABLE C- • HOLD / WATCH Cap $361.8M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $111.32 (+0.06%)🧬 Cannibal Buyback (-2.36% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 15.7% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 59/100 (C-) historically posted market-perform odds over rolling 90-day windows (+0.2% avg 90D alpha vs SPY • 53.1% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C-

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+0.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CFFI)Realized 20D OHLCV Swing Band: ±6.1%

Deterministic 5-Pillar Attribution (59/100 Composite)

🔍 WHY CFFI SCORES 59/100 (C-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (27% of score)

SEC Form 4 / 13F Thermometer: 80% Net Buy • Cannibal Buyback (-2.36% YoY Shares)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+13/20 pts (22% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning8/20 pts (-12 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-12 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$101.39+0.7% Next Q

Q2 (-2Q)

Grade C-$102.06+5.2% Next Q

Q3 (-1Q)

Grade C$107.33+3.7% Next Q

Current

Grade C-$111.25+0.2% Hist 90D α

Trajectory: C- (51) → C- (59)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the CFFI Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 59/100 (C-) score, CFFI faces multiple-compression risk if 13.5x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.36% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($97.93) or 200D SMA ($82.11) invalidates the momentum regime and cuts Target Base ($111.75) toward Bear Floor ($87.17).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CFFI• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CFFI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 59%NO 41%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±6.1% Swing Band

±$6.79 Expected Swing

MODEL EARNINGS SETUP GAUGE

CFFI Quantitative Pre-Earnings Setup: 59/100

Trailing EPS: $8.25 • YoY Revenue Growth: 10.6%

Model Bullish Setup (59/100)Model Risk Weight (41/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$140.8M	$26.8M	$22.2M	52%
FY 2024	2024-12-31	$127.3M	$19.8M	$33.3M	52%
FY 2023	2023-12-31	$127.3M	$23.6M	$38.8M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating CFFI & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on CFFI
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

CFFI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +48.83%▲ RESISTANCE BREAKOUT

2026-10-30O $111.3H $111.3L $107.5C $111.3VOL 77.2K

RES: $107.8SUP: $93.76SMA50: $97.93SMA200: $82.11

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CFFI Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CFFI Butterfly Map → + Track CFFI →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

5.0%/yr Implied 5Y Growth

vs. +10.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CFFI today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CFFI. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CFFI today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CFFI)

Financials Rank #567 of 1096 ⚔️ BRBS vs CFFI Full Matrix →

1. Head-to-Head Financials Peer Comparison (CFFI vs. BRBS, USCB, FRST, FDBC)

Industry: Major Banks (248 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, C&F Financial Corporation (CFFI) ranks #567 by composite RQD confidence (59/100, grade C-) and #775 by equity capitalization ($361.8M). Within this direct 5-issuer industry benchmark cohort, CFFI leads on earnings valuation at 13.5x trailing P/E, while USCB leads on capital efficiency and profitability with 12.0% ROIC and — gross margin. USCB currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with CFFI at 59/100 (C-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CFFI ACTIVE C&F Financial Corporation	C-	59/100	13.5x	—	10.3%	+1.39%	$361.8M	Benchmark Subject
BRBS Blue Ridge Bankshares Inc.	C+	66/100	33.8x	—	3.3%	+1.77%	$361.4M	/brbs-vs-cffi →
USCB USCB Financial Holdings Inc. (Class A)	B-	70/100	14.1x	—	12.0%	-0.35%	$366.7M	/uscb-vs-cffi →
FRST Primis Financial Corp.	D+	56/100	—	—	0.0%	+0.03%	$367.6M	/frst-vs-cffi →
FDBC Fidelity D & D Bancorp Inc.	C+	69/100	13.6x	—	11.8%	+3.65%	$382.4M	/fdbc-vs-cffi →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0000913341

In its most recent audited fiscal period (FY2025, filed 2025-12-31), C&F Financial Corporation (CFFI) reported GAAP revenue of $140.8M (+10.6% vs. FY2024 revenue of $127.3M , and +10.6% cumulative change since FY2023) , GAAP net income of $26.8M, operating cash flow of $24.5M, and free cash flow of $22.2M (-33.4% YoY). On the balance sheet, CFFI closed FY2025 with $2.77B in total assets against $0 in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$140.8M	$26.8M	$24.5M	$22.2M	$2.77B	—
FY2024 (FY)	2024-12-31	$127.3M	$19.8M	$36.8M	$33.3M	$2.56B	—
FY2023 (FY)	2023-12-31	$127.3M	$23.6M	$38.8M	$38.8M	—	—

3. CFFI Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CFFI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, C&F Financial Corporation (NASDAQ: CFFI) is rated C- (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 59/100 at a spot price of $111.25 (+1.39% 1D, market cap $361.8M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 8/20, Executive Insider Alignment 13/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 16/20. Across 1096 tracked Financials issuers, CFFI ranks #567 in composite RQD confidence.

How does CFFI compare to BRBS and USCB in the Financials sector?

Within the Financials sector (Major Banks), CFFI carries a Roarable C- (59/100 RQD), trailing P/E of 13.5x, gross margin of —, and ROIC of 10.3%. By comparison, BRBS (Blue Ridge Bankshares Inc.) holds a C+ grade (66/100 RQD, P/E 33.8x, ROIC 3.3%, cap $361.4M) and USCB (USCB Financial Holdings Inc. (Class A)) posts a B- grade (70/100 RQD, P/E 14.1x, ROIC 12.0%, cap $366.7M). Among the 5-stock peer group, CFFI leads on earnings multiple (13.5x) while USCB leads on capital efficiency (12.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CFFI?

Per CFFI's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000913341), C&F Financial Corporation generated $140.8M in revenue (+10.6% YoY), $26.8M in net income, and $22.2M in free cash flow against $2.77B in total assets and $0 in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CFFI trading relative to its 50-day, 200-day, and 52-week technical levels?

CFFI last traded at $111.25 (+1.39% on volume of 114,501 shares), positioning the stock +13.60% above its 50-day simple moving average ($97.93) and +35.49% above its 200-day simple moving average ($82.11). Across its 52-week range of $66.48 to $112.33, CFFI sits at the 97.6% percentile with a 14-day RSI of 68.5 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.1% ($104.46 to $118.04).

CFFI Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is CFFI's next earnings date?

Based on SEC filing cadence, C&F Financial Corporation (CFFI)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is CFFI stock expected to move on earnings?

Volatility modeling currently projects a ±6.1% event move for CFFI, spanning a range between $104.46 and $118.04.

Direct Sub-Reports: CFFI RQD Cockpit CFFI 12M Forecast CFFI Earnings & Move CFFI Dividends & DRIP CFFI Insiders & 13F CFFI Whale Options CFFI Profit Sankey CFFI News & Why