CF Financial Net Income
| CFFI Stock | USD 77.54 0.38 0.49% |
As of the 17th of February 2026, CF Financial owns the Standard Deviation of 1.91, market risk adjusted performance of 0.4534, and Coefficient Of Variation of 1171.58. CF Financial technical analysis gives you the methodology to make use of past data patterns to determine a pattern that approximates the direction of the firm's future prices.
CF Financial Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 1.7958 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 27 M | 14.6 M | |
| Net Income Applicable To Common Shares | 33.5 M | 35.2 M | |
| Net Income From Continuing Ops | 22.9 M | 20.1 M | |
| Net Income Per Share | 8.29 | 8.70 | |
| Net Income Per E B T | 0.81 | 0.58 |
CFFI | Net Income | Build AI portfolio with CFFI Stock |
The Net Income trend for CF Financial offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether CF Financial is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.
Latest CF Financial's Net Income Growth Pattern
Below is the plot of the Net Income of CF Financial over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in CF Financial financial statement analysis. It represents the amount of money remaining after all of CF Financial operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is CF Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in CF Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 26.99 M | 10 Years Trend |
|
Net Income |
| Timeline |
CFFI Net Income Regression Statistics
| Arithmetic Mean | 17,313,198 | |
| Geometric Mean | 15,613,311 | |
| Coefficient Of Variation | 41.38 | |
| Mean Deviation | 5,716,402 | |
| Median | 16,382,000 | |
| Standard Deviation | 7,164,394 | |
| Sample Variance | 51.3T | |
| Range | 25.1M | |
| R-Value | 0.68 | |
| Mean Square Error | 29.6T | |
| R-Squared | 0.46 | |
| Significance | 0 | |
| Slope | 962,120 | |
| Total Sum of Squares | 821.3T |
CFFI Net Income History
Other Fundumenentals of CF Financial
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
CF Financial Net Income component correlations
CFFI Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for CF Financial is extremely important. It helps to project a fair market value of CFFI Stock properly, considering its historical fundamentals such as Net Income. Since CF Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of CF Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of CF Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
Is there potential for Regional Banks market expansion? Will CFFI introduce new products? Factors like these will boost the valuation of CF Financial. Projected growth potential of CFFI fundamentally drives upward valuation adjustments. Understanding fair value requires weighing current performance against future potential. 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 0.321 | Dividend Share 1.82 | Earnings Share 8.08 | Revenue Per Share | Quarterly Revenue Growth 0.113 |
Investors evaluate CF Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating CF Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause CF Financial's market price to deviate significantly from intrinsic value.
It's important to distinguish between CF Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding CF Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, CF Financial's market price signifies the transaction level at which participants voluntarily complete trades.
CF Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to CF Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of CF Financial.
| 11/19/2025 |
| 02/17/2026 |
If you would invest 0.00 in CF Financial on November 19, 2025 and sell it all today you would earn a total of 0.00 from holding CF Financial or generate 0.0% return on investment in CF Financial over 90 days. CF Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services... More
CF Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure CF Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess CF Financial upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 1.82 | |||
| Information Ratio | 0.0576 | |||
| Maximum Drawdown | 8.18 | |||
| Value At Risk | (2.75) | |||
| Potential Upside | 3.65 |
CF Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for CF Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as CF Financial's standard deviation. In reality, there are many statistical measures that can use CF Financial historical prices to predict the future CF Financial's volatility.| Risk Adjusted Performance | 0.0737 | |||
| Jensen Alpha | 0.1383 | |||
| Total Risk Alpha | 0.0497 | |||
| Sortino Ratio | 0.0604 | |||
| Treynor Ratio | 0.4434 |
CF Financial February 17, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0737 | |||
| Market Risk Adjusted Performance | 0.4534 | |||
| Mean Deviation | 1.48 | |||
| Semi Deviation | 1.69 | |||
| Downside Deviation | 1.82 | |||
| Coefficient Of Variation | 1171.58 | |||
| Standard Deviation | 1.91 | |||
| Variance | 3.65 | |||
| Information Ratio | 0.0576 | |||
| Jensen Alpha | 0.1383 | |||
| Total Risk Alpha | 0.0497 | |||
| Sortino Ratio | 0.0604 | |||
| Treynor Ratio | 0.4434 | |||
| Maximum Drawdown | 8.18 | |||
| Value At Risk | (2.75) | |||
| Potential Upside | 3.65 | |||
| Downside Variance | 3.32 | |||
| Semi Variance | 2.85 | |||
| Expected Short fall | (1.64) | |||
| Skewness | 0.0585 | |||
| Kurtosis | 0.369 |
CF Financial Backtested Returns
CF Financial appears to be very steady, given 3 months investment horizon. CF Financial retains Efficiency (Sharpe Ratio) of 0.13, which signifies that the company had a 0.13 % return per unit of price deviation over the last 3 months. We have found twenty-nine technical indicators for CF Financial, which you can use to evaluate the volatility of the firm. Please makes use of CF Financial's Market Risk Adjusted Performance of 0.4534, coefficient of variation of 1171.58, and Standard Deviation of 1.91 to double-check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, CF Financial holds a performance score of 10. The firm owns a Beta (Systematic Risk) of 0.35, which signifies possible diversification benefits within a given portfolio. As returns on the market increase, CF Financial's returns are expected to increase less than the market. However, during the bear market, the loss of holding CF Financial is expected to be smaller as well. Please check CF Financial's sortino ratio, semi variance, and the relationship between the standard deviation and value at risk , to make a quick decision on whether CF Financial's current price history will revert.
Auto-correlation | 0.68 |
Good predictability
CF Financial has good predictability. Overlapping area represents the amount of predictability between CF Financial time series from 19th of November 2025 to 3rd of January 2026 and 3rd of January 2026 to 17th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of CF Financial price movement. The serial correlation of 0.68 indicates that around 68.0% of current CF Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.68 | |
| Spearman Rank Test | 0.64 | |
| Residual Average | 0.0 | |
| Price Variance | 16.36 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
CFFI Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, CF Financial reported net income of 26.99 M. This is 97.89% lower than that of the Banks sector and significantly higher than that of the Financials industry. The net income for all United States stocks is 95.27% higher than that of the company.
CFFI Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses CF Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of CF Financial could also be used in its relative valuation, which is a method of valuing CF Financial by comparing valuation metrics of similar companies.CF Financial is currently under evaluation in net income category among its peers.
CF Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, CF Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to CF Financial's managers, analysts, and investors.Environmental | Governance | Social |
CF Financial Institutional Holders
Institutional Holdings refers to the ownership stake in CF Financial that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of CF Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing CF Financial's value.| Shares | State Street Corp | 2025-06-30 | 34.6 K | Bb&t Corp. | 2025-06-30 | 29.6 K | Northern Trust Corp | 2025-06-30 | 26.7 K | Wells Fargo & Co | 2025-06-30 | 19.4 K | Empowered Funds, Llc | 2025-06-30 | 16.6 K | Ategra Capital Management Llc | 2025-06-30 | 16.5 K | First Manhattan Co. Llc | 2025-06-30 | 15.9 K | Two Sigma Investments Llc | 2025-06-30 | 10.4 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 10.4 K | Dimensional Fund Advisors, Inc. | 2025-06-30 | 184.8 K | Vanguard Group Inc | 2025-06-30 | 167.4 K |
CFFI Fundamentals
| Return On Equity | 0.11 | ||||
| Return On Asset | 0.01 | ||||
| Profit Margin | 0.21 % | ||||
| Operating Margin | 0.27 % | ||||
| Current Valuation | 244.42 M | ||||
| Shares Outstanding | 3.24 M | ||||
| Shares Owned By Insiders | 6.78 % | ||||
| Shares Owned By Institutions | 42.38 % | ||||
| Number Of Shares Shorted | 54.11 K | ||||
| Price To Earning | 8.00 X | ||||
| Price To Book | 0.96 X | ||||
| Price To Sales | 1.96 X | ||||
| Revenue | 186.13 M | ||||
| Gross Profit | 125.43 M | ||||
| EBITDA | 33.07 M | ||||
| Net Income | 26.99 M | ||||
| Cash And Equivalents | 144.47 M | ||||
| Cash Per Share | 41.04 X | ||||
| Total Debt | 113.33 M | ||||
| Debt To Equity | 9.72 % | ||||
| Book Value Per Share | 78.23 X | ||||
| Cash Flow From Operations | 38.49 M | ||||
| Short Ratio | 13.13 X | ||||
| Earnings Per Share | 8.08 X | ||||
| Target Price | 34.0 | ||||
| Number Of Employees | 545 | ||||
| Beta | 0.35 | ||||
| Market Capitalization | 227.74 M | ||||
| Total Asset | 2.77 B | ||||
| Retained Earnings | 247.81 M | ||||
| Annual Yield | 0.03 % | ||||
| Five Year Return | 3.14 % | ||||
| Net Asset | 2.77 B | ||||
| Last Dividend Paid | 1.82 |
About CF Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze CF Financial's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of CF Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of CF Financial based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Check out 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 Bond Analysis module to evaluate and analyze corporate bonds as a potential investment for your portfolios..
Is there potential for Regional Banks market expansion? Will CFFI introduce new products? Factors like these will boost the valuation of CF Financial. Projected growth potential of CFFI fundamentally drives upward valuation adjustments. Understanding fair value requires weighing current performance against future potential. 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 0.321 | Dividend Share 1.82 | Earnings Share 8.08 | Revenue Per Share | Quarterly Revenue Growth 0.113 |
Investors evaluate CF Financial using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating CF Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause CF Financial's market price to deviate significantly from intrinsic value.
It's important to distinguish between CF Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding CF Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, CF Financial's market price signifies the transaction level at which participants voluntarily complete trades.