CATALYSTBenzinga • 4d ago
DA Davidson Maintains Buy on C&F Financial, Raises Price Target to $124DA Davidson analyst Jake Civiello maintains C&F Financial (NASDAQ:CFFI) with a Buy and raises the price target from $115 to $124.
Why CFFI Stock advanced +1.39% Today — RQD Quant Desk Flash
$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.
ROARABLE C- • HOLD / WATCH
Cap $361.8M
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Is CFFI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
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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.
✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief)
How does CFFI compare to BRBS and USCB in the Financials sector?
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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).
✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief)
What are the biggest fundamental strengths and SEC risk factors for CFFI?
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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.
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INTERACTIVE SCENARIO DECK:
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
51
Q2 (-2Q)Grade C-$102.06+5.2% Next Q
54
Q3 (-1Q)Grade C$107.33+3.7% Next Q
56
CurrentGrade C-$111.25+0.2% Hist 90D α
59
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
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”
AUTOMATED RQD QUANT DESK MOVER BRIEFINGFull Market News Desk →
Why CFFI Stock advanced +1.39% Today — RQD Quant Desk Flash
C&F Financial Corporation (CFFI) advanced +1.39% to $111.25, trading at 98% of its 52-week range ($66.48 – $112.33). Solid steady margins (10% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.
- ▸Technical Tape: Trading at 98% of its 52-week range ($66.48 – $112.33) with RSI-14 at 68.5 (BULLISH MOMENTUM).
- ▸Volatility Profile: Historical 20-day realized swing band of ±6.1% around $111.25 (no active unusual options sweep snapshot on file).
- ▸Fundamental Anchor: Roarable C- (Hold) backed by 52% gross margin and $22.2M annual free cash flow.
Live CFFI Headlines & Catalysts
MARKET WIREYahoo • 5d ago
C&F Financial (CFFI) Q3 Earnings Strength Leaves Stock Price UnmovedC&F Financial just posted its Q3 2026 scorecard and the stock barely flinched, slipping only 0.24% to US$108.57. Price action looked almost bored. The results were not. Basic earnings per share of US$2.55 and net income
MARKET WIREYahoo • 6d ago
C&F: Q3 Earnings Snapshot(CFFI) on Monday reported net income of $8.The Toano, Virginia-based bank said it had earnings of $2.
MARKET WIREYahoo • 6d ago
C&F Financial Corporation Announces Net Income for Third Quarter and First Nine Months of 2026TOANO, Va., Oct. 26, 2026 (GLOBE NEWSWIRE) -- C&F Financial Corporation (the Corporation) (NASDAQ: CFFI), the holding company for C&F Bank, today reported consolidated net income of $8.3 million for the third quarter of
CATALYSTBenzinga • 6d ago
C&F Financial Q3 Adj. EPS $2.55 Beats $2.46 Estimate, Sales $38.210M Miss $40.480M EstimateC&F Financial (NASDAQ:CFFI) reported quarterly earnings of $2.55 per share which beat the analyst consensus estimate of $2.46 by 3.66 percent. This is a 16.97 percent increase over earnings of $2.18 per share from
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Scheduled RQD Strong Buys & Whale Accumulation Briefing (CFFI Tape Review)
- ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
- ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
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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
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 0000913341In 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 ENABLEDIs 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 × FREDWhy is CFFI stock moving today?
Why CFFI Stock advanced +1.39% Today — RQD Quant Desk Flash. Solid steady margins (10% return on capital), mixed timing at 14x P/E—hold if owned, no rush to chase.