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C&F Financial Corporation (CFFI) Dividend Safety Gauge & 10-Year DRIP Compounder

$111.22 +1.39% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $111.29

C&F Financial Corporation (CFFI) carries a Roarable Rating of C+ (Hold) with 68/100 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+ β€’ HOLD / WATCH Cap $356.7M
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on CFFI Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is CFFI stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, C&F Financial Corporation (NASDAQ: CFFI) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $111.22 (+1.39% 1D, market cap $356.7M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, CFFI ranks #159 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does CFFI compare to BRBS and FRST in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), CFFI carries a Roarable C+ (68/100 RQD), trailing P/E of 13.5x, gross margin of β€”, and ROIC of 10.3%. By comparison, BRBS (Blue Ridge Bankshares Inc.) holds a C- grade (59/100 RQD, P/E 33.8x, ROIC 3.3%, cap $352.5M) and FRST (Primis Financial Corp.) posts a D grade (45/100 RQD, P/E N/A, ROIC 0.0%, cap $365.3M). Among the 5-stock peer group, CFFI leads on earnings multiple (13.5x) while USCB leads on capital efficiency (12.0% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for CFFI?
β–Ό

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: Big institutional funds and options desks are actively positioning on the bullish side. 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.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $111.29 (+0.06%)🧬 Cannibal Buyback (-2.36% YoY Shares)βš™οΈ Cash Engine: 10/20 (D) β€’ 15.7% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 68/100 (C+) historically posted market-perform odds over rolling 90-day windows (+1.8% avg 90D alpha vs SPY β€’ 56.9% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C+
025507510068
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

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

5-PILLAR RQD RADARRw B- Β· Rk C
Cash (10)Whales (16)SEC (13)Macro (13)CEO (16)
Each axis scored 0–20
12M PRICE TARGET CONE+4.5% Base Target
$137 Bull$116 Base$91 Bear
πŸ“¬ FREE CFFI RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for CFFI)Realized 20D OHLCV Swing Band: Β±5.7%
Deterministic 5-Pillar Attribution (68/100 Composite)
πŸ” WHY CFFI SCORES 68/100 (C+) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: Whale & Options Positioning+16/20 pts (24% of score)

20D Institutional Volume Accumulation (Β±5.7% realized swing band)

β–² #2 Bullish Driver: Insider Conviction & Share Dilution+16/20 pts (24% of score)

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

β–Ό #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 0% operating margin leave 10 pts on the table

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
60
Grade C$104.13+0.3% Next Q
Q2 (-2Q)
63
Grade C+$104.42+4% Next Q
Q3 (-1Q)
65
Grade C+$108.57+2.4% Next Q
Current
68
Grade C+$111.22+1.8% Hist 90D Ξ±
Trajectory: C (60) β†’ C+ (68)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the CFFI Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 68/100 (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) β€” 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 ($98.91) or 200D SMA ($82.50) invalidates the momentum regime and cuts Target Base ($116.22) toward Bear Floor ($90.65).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CFFIβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œCFFI Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 68%NO 32%Trade / Inspect Odds β†’
CASH DIVIDEND + BUYBACK YIELD
3.45% Total Yield
1.65% Cash ($1.84/yr) + 1.8% Buybacks
PAYOUT SAFETY SPEEDOMETER
88/100 β€’ FORTRESS PAYOUT
FREE CASH FLOW PAYOUT RATIO
17.5% of FCF
8 consecutive years of payout growth
INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (9.3% EST. ANNUAL)

$10,000 Compounded Over 10 Years β†’ $24,333

Est. Year-10 Shareholder Yield: $840/yr
$10.9K
Yr 1
$11.9K
Yr 2
$13.1K
Yr 3
$14.3K
Yr 4
$15.6K
Yr 5
$17.0K
Yr 6
$18.6K
Yr 7
$20.4K
Yr 8
$22.3K
Yr 9
$24.3K
Yr 10
ON-DEMAND RQD QUANT WORKSHOP β€’ SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in CFFI & A-Rated Leaders

  • βœ“12-month Bull/Base/Bear fair-value walkthrough on CFFI and its top sector peer
  • βœ“Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
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CFFI // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +51.01%⚑ TESTING RESISTANCE
2026-11-03O $111.3H $111.3L $109.7C $111.2VOL 77.2K
RES: $113.5SUP: $94.21SMA50: $98.91SMA200: $82.50
$115.3$102.9$90.46$78.02$65.58RES $113.5SUP $94.21$111.22026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

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

πŸ¦‹ CFFI Butterfly Map β†’ + Track CFFI β†’
Share Count & Dilution Monitor

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

Reverse-DCF Expectations Hurdle
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

No active Ellis Vennor swing setup published on CFFI today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

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 β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CFFI)

Financials Rank #159 of 1097 βš”οΈ BRBS vs CFFI Full Matrix β†’

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

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, C&F Financial Corporation (CFFI) ranks #159 by composite RQD confidence (68/100, grade C+) and #774 by equity capitalization ($356.7M). 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 β€” gross margin. CFFI currently leads its immediate peer cohort in composite quantitative strength at 68/100 (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+ 68/100 13.5x β€” 10.3% +1.39% $356.7M Benchmark Subject
BRBS
Blue Ridge Bankshares Inc.
C- 59/100 33.8x β€” 3.3% +2.04% $352.5M /brbs-vs-cffi β†’
FRST
Primis Financial Corp.
D 45/100 β€” β€” 0.0% +1.83% $365.3M /frst-vs-cffi β†’
USCB
USCB Financial Holdings Inc. (Class A)
C- 59/100 14.1x β€” 12.0% +0.96% $367.3M /uscb-vs-cffi β†’
BCML
BayCom Corp
C- 61/100 14.1x β€” 7.1% +1.79% $336.0M /bcml-vs-cffi β†’

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

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000913341 β†—

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 β€”
FY2024 (FY) 2024-12-31 $127.3M $19.8M $36.8M $33.3M $2.56B β€”
FY2023 (FY) 2023-12-31 $127.3M $23.6M $38.8M $38.8M β€” β€”

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

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

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

As of 2026-11-03, C&F Financial Corporation (NASDAQ: CFFI) is rated C+ (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 68/100 at a spot price of $111.22 (+1.39% 1D, market cap $356.7M). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 16/20, SEC Balance-Sheet Forensics 13/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 16/20. Across 1097 tracked Financials issuers, CFFI ranks #159 in composite RQD confidence.

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

Within the Financials sector (Major Banks), CFFI carries a Roarable C+ (68/100 RQD), trailing P/E of 13.5x, gross margin of β€”, and ROIC of 10.3%. By comparison, BRBS (Blue Ridge Bankshares Inc.) holds a C- grade (59/100 RQD, P/E 33.8x, ROIC 3.3%, cap $352.5M) and FRST (Primis Financial Corp.) posts a D grade (45/100 RQD, P/E N/A, ROIC 0.0%, cap $365.3M). 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: Big institutional funds and options desks are actively positioning on the bullish side. 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 $111.22 (+1.39% on volume of 50,225 shares), positioning the stock +12.45% above its 50-day simple moving average ($98.91) and +34.81% above its 200-day simple moving average ($82.50). Across its 52-week range of $66.48 to $112.33, CFFI sits at the 97.6% percentile with a 14-day RSI of 65.3 (BULLISH MOMENTUM) and an implied next-earnings move of Β±5.7% ($104.88 to $117.56).

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
ROARABLE RATING BRIEF β€’ RQD 68/100 (C+) βœ“ SEC XBRL & RQD VERIFIED

CFFI β€” C&F Financial Corporation: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

C&F Financial Corporation (CFFI) earns a live Roarable RQD composite score of 68/100, corresponding to a C+ letter grade (Roarable Hold) at a spot price of $111.22 (+1.39% 1D, market capitalization $356.7M).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of 10.3%, gross margin of β€”, operating margin of β€”, and free cash flow yield of 6.13%.
  • Whale 13F & Options Flow (16/20) + Insider Conviction (16/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (13/20): Incorporates a 1.00x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 5/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

C&F Financial Corporation is a NASDAQ-listed issuer classified under the Financials sector and the Major Banks industry. Sector and industry are the only business descriptors available.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), C&F Financial Corporation (CFFI) reported $140.8M in annual revenue (up from $127.3M in FY2024, +10.6% YoY) and $26.8M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($127.3M revenue, $23.6M net income) through FY2025, CFFI scaled operating cash flow to $24.5M and free cash flow to $22.2M, backed by $2.77B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C+ β€’ RQD 68/100): Big institutional funds and options desks are actively positioning on the bullish side. Company leadership has skin in the game with net positive insider conviction. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 16/20, sustained execution supports upside toward the upper end of the $66.48 – $112.33 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 13.5x trailing P/E against β€” operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

The source data therefore does not establish upstream or downstream dependencies, sector correlations, or second-order bottlenecks.

  • Key Question #1: Can CFFI sustain or expand its β€” operating margin and 10.3% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $140.8M and free cash flow of $22.2M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is CFFI's 12.6x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

CFFI Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for C&F Financial Corporation (CFFI) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to CFFI Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

CFFI Bull vs. Bear Conversation Board β€” What's Your Call at $111.22?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON CFFI 🐻 33% BEARISH CONVICTION
1. Pick Your Side on CFFI:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
SI SiliconVal_Bull RQD DEBATE OPENER β€’ Growth & Tech Investor πŸ‚ BULLISH 🎯 Target: $128.35 (+17.0%)
πŸ“Œ Pinned Debate

Institutional accumulation and insider cluster flow score 16/20 each, and Q3 net income reportedly rose 16.1% to $8.3 Million.

The street is overcomplicating C&F Financial Corporation (CFFI). Institutional accumulation and insider cluster flow score 16/20 each, and Q3 net income reportedly rose 16.1% to $8.3 Million.. With an RQD score of 68/100 (C+) and Forensic Balance Sheet at 13/20, any positive earnings surprise or guidance raise forces underweight funds to chase above $118.48.

CapAlloc_Nerd πŸ‚ BULL

@CreditSpread_Watch Fair point on 13.5x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

CR CreditSpread_Watch RQD DEBATE OPENER β€’ Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $85.57 (-22.0%)
Spot @ $109.70

FCF fell from $33.3M in FY 2024 to $22.2M in FY 2025, and the cash-engine pillar scores only 10/20.

I respect the product at C&F Financial Corporation, but the stock at $109.70 is a different story. FCF fell from $33.3M in FY 2024 to $22.2M in FY 2025, and the cash-engine pillar scores only 10/20.. FCF yield is 6.13% and RQD sits at 68/100 (C+) β€” why pay up here when you can wait for next quarter's numbers?

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