Cf Financial Stock Today

CFFI Stock  USD 76.05  0.95  1.23%   

Performance

Fair

 
Weak
 
Strong

Odds Of Distress

Tiny

 
High
 
Low
CF Financial is trading at 76.05 as of the 19th of February 2026. This is a 1.23% down since the beginning of the trading day. The stock's open price was 77.0. CF Financial has only four percent chance of going through some form of financial distress over the next 2 years but had a somewhat fair performance during the last 90 days. The performance scores are derived for the period starting the 21st of November 2025 and ending today, the 19th of February 2026. 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 54.11 K shares are currently shorted by private and institutional investors with about 13.13 trading days to cover. More on CF Financial

Moving together with CFFI Stock

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Moving against CFFI Stock

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CFFI Stock Highlights

ESG Sustainability
Environmental
Governance
Social
CEOBryan McKernon
Business ConcentrationRegional Banks, Banks - Regional, Financial Services, Nasdaq Bank, NASDAQ Composite, NASDAQ Composite Total, Financials, Banks, Banks—Regional, Financial Services (View all Sectors)
Financial Strength
Current ValueLast YearChange From Last Year 10 Year Trend
Return On Assets0.01440.0097
Way Up
Slightly volatile
Asset Turnover0.09850.0672
Way Up
Pretty Stable
Gross Profit Margin0.590.6946
Fairly Down
Pretty Stable
Total Current Liabilities2.7 B2.5 B
Sufficiently Up
Slightly volatile
Non Current Liabilities Total2.6 B2.5 B
Sufficiently Up
Slightly volatile
Total Assets2.9 B2.8 B
Sufficiently Up
Slightly volatile
Total Current Assets227.2 M164 M
Significantly Up
Very volatile
Debt Levels
Debt leverage enables CF Financial to amplify potential investment gains using borrowed funds. Evaluating debt relative to total assets helps investors assess CF Financial's financial structure and understand the extent to which CF Financial's operations depend on creditor capital.
Liquidity
CF Financial currently holds 113.33 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

6.62 Million
CF Financial (CFFI) is traded on NASDAQ Exchange in USA 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 227.74 M. CF Financial conducts business under Banks sector and is part of Financials industry. The entity has 3.24 M outstanding shares of which 54.11 K shares are currently shorted by private and institutional investors with about 13.13 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 $227.74 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
State Street Corp2025-06-30
34.6 K
Bb&t Corp.2025-06-30
29.6 K
Northern Trust Corp2025-06-30
26.7 K
Wells Fargo & Co2025-06-30
19.4 K
Empowered Funds, Llc2025-06-30
16.6 K
Ategra Capital Management Llc2025-06-30
16.5 K
First Manhattan Co. Llc2025-06-30
15.9 K
Two Sigma Investments Llc2025-06-30
10.4 K
Morgan Stanley - Brokerage Accounts2025-06-30
10.4 K
Dimensional Fund Advisors, Inc.2025-06-30
184.8 K
Vanguard Group Inc2025-06-30
167.4 K
View CF Financial Diagnostics

CF Financial Historical Income Statement

As of now, CF Financial's Net Income Applicable To Common Shares is increasing as compared to previous years. The CF Financial's current Tax Provision is estimated to increase to about 7.1 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 price.
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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
38.779
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.