C&F Financial (CFFI)

Friday

8:40 PM

ThesisC&F Financial: the story is balanced — Net interest margin (NIM) expansion or compression driven by Fed policy and deposit competition

Revenue Outlook

Metric	FY2024	FY2025
Revenue	$167M	$186M
Rev. Growth	+11.2%	+11.8%
EPS	$6.01	$8.29
EPS Growth	-13.2%	+37.9%
P/E	15.3×	11.1×

What Moves the Stock

01Net interest margin (NIM) expansion or compression driven by Fed policy and deposit competition
02Loan growth rates in commercial real estate and construction portfolios in Virginia markets
03Credit quality metrics - non-performing loan ratios, charge-offs, reserve builds in commercial portfolios
04Mortgage banking revenue volatility tied to refinancing activity and purchase origination volumes
05Deposit cost pressures and ability to retain low-cost core deposits versus money market competition
06Net interest income from commercial and residential loan portfolios (~70-75% of revenue, estimated)
07Mortgage banking fees from origination and servicing (~15-20% of revenue, estimated)
08Wealth management and trust services fees (~5-10% of revenue, estimated)

FY2025 Snapshot

Revenue: $186M
Rev. Growth: +11.8%
Gross Margin: 69.5%
Op. Margin: 17.8%
Net Margin: 14.4%
Net Income: $27M
NI Growth: +35.3%
EPS: $8.29
1Y Return: +31.3%

My Notes

value - The 0.9x price-to-book valuation attracts deep value investors betting on mean reversion…
Extremely high sensitivity with complex dynamics.
Watch on earnings: Federal Funds Rate and 10Y-2Y yield curve spread (T10Y2Y) for NIM trajectory and profitability outlook, 30-year fixed mortgage rates (MORTGAGE30US) for mortgage banking revenue and refinancing activity, Virginia unemployment rate and regional GDP growth for credit quality and loan demand.

One Sentence Summary:

C&F Financial: the story is balanced — net interest margin (nim) expansion or compression driven by fed policy and deposit competition.

Auto-composed from Stock Alarm intelligence, financial statements, and analyst estimates. Not investment advice.

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C&F Financial (CFFI)

Revenue Outlook

What Moves the Stock

CFFI Chart

My Notes

One Sentence Summary:

Explore More

C&F Financial (CFFI)

Revenue Outlook

What Moves the Stock

CFFI Chart

My Notes

One Sentence Summary: