C&F Financial (CFFI)
Market Price (5/12/2026): $73.65 | Market Cap: $239.3 MilSector: Financials | Industry: Regional Banks
C&F Financial (CFFI)
Market Price (5/12/2026): $73.65Market Cap: $239.3 MilSector: FinancialsIndustry: Regional Banks
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, Dividend Yield is 2.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 10% Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -137% Low stock price volatilityVol 12M is 31% Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. | Weak multi-year price returns3Y Excs Rtn is -18% | Key risksCFFI key risks include [1] deteriorating asset quality and rising charge-offs in its high-risk consumer finance segment and [2] potential liquidity challenges from its substantial concentration of uninsured deposits, Show more. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 14%, Dividend Yield is 2.5%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 10% |
| Cash is significant % of market capNet D/ENet Debt/Equity. Debt net of cash. Negative indicates net cash. Equity is taken as the Market Capitalization is -137% |
| Low stock price volatilityVol 12M is 31% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. |
| Weak multi-year price returns3Y Excs Rtn is -18% |
| Key risksCFFI key risks include [1] deteriorating asset quality and rising charge-offs in its high-risk consumer finance segment and [2] potential liquidity challenges from its substantial concentration of uninsured deposits, Show more. |
Qualitative Assessment
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C&F Financial (CFFI) stock has remained largely at the same level since 1/31/2026 because of the following key factors:
1. C&F Financial Corporation reported strong financial results for both the fourth quarter of 2025 and the first quarter of 2026. For the full year 2025, the company announced earnings per share (EPS) of $8.34, an increase from $6.01 in fiscal year 2024. More recently, CFFI reported consolidated net income of $6.8 million for the first quarter of 2026, marking a 26% increase from $5.4 million in the first quarter of 2025. Diluted EPS also rose by 25% year-over-year to $2.08 from $1.66. This solid performance was further supported by a 57.9% increase in mortgage originations and a consolidated net interest margin of 4.27% in Q1 2026. Loan growth in the community banking segment increased by $24.1 million, or 6.1% annualized, compared to December 31, 2025.
2. The company demonstrated a commitment to shareholder returns by increasing its quarterly cash dividend. On April 23, 2026, C&F Financial Corporation's board of directors raised the quarterly cash dividend by 4% to $0.48 per share. This dividend was paid on April 1, 2026, and represented a payout ratio of 23.1% of the first quarter 2026 earnings per share.
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1. C&F Financial Corporation reported strong financial results for both the fourth quarter of 2025 and the first quarter of 2026. For the full year 2025, the company announced earnings per share (EPS) of $8.34, an increase from $6.01 in fiscal year 2024. More recently, CFFI reported consolidated net income of $6.8 million for the first quarter of 2026, marking a 26% increase from $5.4 million in the first quarter of 2025. Diluted EPS also rose by 25% year-over-year to $2.08 from $1.66. This solid performance was further supported by a 57.9% increase in mortgage originations and a consolidated net interest margin of 4.27% in Q1 2026. Loan growth in the community banking segment increased by $24.1 million, or 6.1% annualized, compared to December 31, 2025.
2. The company demonstrated a commitment to shareholder returns by increasing its quarterly cash dividend. On April 23, 2026, C&F Financial Corporation's board of directors raised the quarterly cash dividend by 4% to $0.48 per share. This dividend was paid on April 1, 2026, and represented a payout ratio of 23.1% of the first quarter 2026 earnings per share.
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Stock Movement Drivers
Fundamental Drivers
The -1.9% change in CFFI stock from 1/31/2026 to 5/11/2026 was primarily driven by a -8.7% change in the company's P/E Multiple.| (LTM values as of) | 1312026 | 5112026 | Change |
|---|---|---|---|
| Stock Price ($) | 74.79 | 73.35 | -1.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 134 | 141 | 5.2% |
| Net Income Margin (%) | 19.6% | 20.0% | 2.4% |
| P/E Multiple | 9.3 | 8.4 | -8.7% |
| Shares Outstanding (Mil) | 3 | 3 | -0.3% |
| Cumulative Contribution | -1.9% |
Market Drivers
1/31/2026 to 5/11/2026| Return | Correlation | |
|---|---|---|
| CFFI | -1.9% | |
| Market (SPY) | 3.6% | 25.3% |
| Sector (XLF) | -3.7% | 31.0% |
Fundamental Drivers
The 8.6% change in CFFI stock from 10/31/2025 to 5/11/2026 was primarily driven by a 7.4% change in the company's Net Income Margin (%).| (LTM values as of) | 10312025 | 5112026 | Change |
|---|---|---|---|
| Stock Price ($) | 67.52 | 73.35 | 8.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 131 | 141 | 7.3% |
| Net Income Margin (%) | 18.7% | 20.0% | 7.4% |
| P/E Multiple | 8.9 | 8.4 | -5.4% |
| Shares Outstanding (Mil) | 3 | 3 | -0.3% |
| Cumulative Contribution | 8.6% |
Market Drivers
10/31/2025 to 5/11/2026| Return | Correlation | |
|---|---|---|
| CFFI | 8.6% | |
| Market (SPY) | 5.5% | 18.4% |
| Sector (XLF) | -1.4% | 29.5% |
Fundamental Drivers
The 16.3% change in CFFI stock from 4/30/2025 to 5/11/2026 was primarily driven by a 25.5% change in the company's Net Income Margin (%).| (LTM values as of) | 4302025 | 5112026 | Change |
|---|---|---|---|
| Stock Price ($) | 63.06 | 73.35 | 16.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 124 | 141 | 13.4% |
| Net Income Margin (%) | 16.0% | 20.0% | 25.5% |
| P/E Multiple | 10.3 | 8.4 | -17.7% |
| Shares Outstanding (Mil) | 3 | 3 | -0.7% |
| Cumulative Contribution | 16.3% |
Market Drivers
4/30/2025 to 5/11/2026| Return | Correlation | |
|---|---|---|
| CFFI | 16.3% | |
| Market (SPY) | 30.4% | 27.1% |
| Sector (XLF) | 6.6% | 35.3% |
Fundamental Drivers
The 50.3% change in CFFI stock from 4/30/2023 to 5/11/2026 was primarily driven by a 45.2% change in the company's P/E Multiple.| (LTM values as of) | 4302023 | 5112026 | Change |
|---|---|---|---|
| Stock Price ($) | 48.79 | 73.35 | 50.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 116 | 141 | 21.8% |
| Net Income Margin (%) | 25.2% | 20.0% | -20.5% |
| P/E Multiple | 5.8 | 8.4 | 45.2% |
| Shares Outstanding (Mil) | 3 | 3 | 7.0% |
| Cumulative Contribution | 50.3% |
Market Drivers
4/30/2023 to 5/11/2026| Return | Correlation | |
|---|---|---|
| CFFI | 50.3% | |
| Market (SPY) | 78.7% | 34.0% |
| Sector (XLF) | 61.9% | 40.1% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| CFFI Return | 42% | 17% | 21% | 8% | 5% | 3% | 135% |
| Peers Return | 52% | 22% | 2% | 34% | -7% | 15% | 172% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | 8% | 97% |
Monthly Win Rates [3] | |||||||
| CFFI Win Rate | 67% | 58% | 58% | 50% | 67% | 60% | |
| Peers Win Rate | 75% | 56% | 50% | 58% | 46% | 57% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 60% | |
Max Drawdowns [4] | |||||||
| CFFI Max Drawdown | -0% | -13% | -16% | -49% | -21% | -5% | |
| Peers Max Drawdown | -3% | -7% | -33% | -17% | -30% | -10% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -7% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: ESQ, OBT, BSVN, FGBI, AGBK. See CFFI Returns vs. Peers.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 5/11/2026 (YTD)
How Low Can It Go
| Event | CFFI | S&P 500 |
|---|---|---|
| Summer-Fall 2023 Five Percent Yield Shock | ||
| % Loss | -11.4% | -9.5% |
| % Gain to Breakeven | 12.8% | 10.5% |
| Time to Breakeven | 41 days | 24 days |
| 2023 SVB Regional Banking Crisis | ||
| % Loss | -19.6% | -6.7% |
| % Gain to Breakeven | 24.4% | 7.1% |
| Time to Breakeven | 195 days | 31 days |
| 2022 Inflation Shock & Fed Tightening | ||
| % Loss | -13.1% | -24.5% |
| % Gain to Breakeven | 15.1% | 32.4% |
| Time to Breakeven | 21 days | 427 days |
| 2020 COVID-19 Crash | ||
| % Loss | -45.0% | -33.7% |
| % Gain to Breakeven | 82.0% | 50.9% |
| Time to Breakeven | 321 days | 140 days |
| Q4 2018 Fed Policy Error / Growth Scare | ||
| % Loss | -15.7% | -19.2% |
| % Gain to Breakeven | 18.6% | 23.7% |
| Time to Breakeven | 342 days | 105 days |
| 2013 Taper Tantrum | ||
| % Loss | -18.8% | -0.2% |
| % Gain to Breakeven | 23.1% | 0.2% |
| Time to Breakeven | 201 days | 1 days |
In The Past
C&F Financial's stock fell 0.0% during the 2024 Yen Carry Trade Unwind. Such a loss loss requires a 0.0% gain to breakeven.
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| Event | CFFI | S&P 500 |
|---|---|---|
| 2020 COVID-19 Crash | ||
| % Loss | -45.0% | -33.7% |
| % Gain to Breakeven | 82.0% | 50.9% |
| Time to Breakeven | 321 days | 140 days |
| 2008-2009 Global Financial Crisis | ||
| % Loss | -62.0% | -53.4% |
| % Gain to Breakeven | 163.2% | 114.4% |
| Time to Breakeven | 1017 days | 1085 days |
In The Past
C&F Financial's stock fell 0.0% during the 2024 Yen Carry Trade Unwind. Such a loss loss requires a 0.0% gain to breakeven.
Preserve Wealth
Limiting losses and compounding gains is essential to preserving wealth.
Asset Allocation
Actively managed asset allocation strategies protect wealth. Learn more.
About C&F Financial (CFFI)
C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. The company's Retail Banking offers various banking services, including checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. It also provides ATMs, Internet and mobile banking, and debit and credit cards, as well as safe deposit box rentals, notary public, electronic transfer, and other customary bank services. This segment offers its services through its main office in West Point, Virginia, as well as through 30 Virginia branches located 1 each in Albermarle, Goochland, Hanover, Middlesex, Powhatan, Stafford, York, Charlottesville, Hampton, Montross, Newport News, Richmond, Warsaw, and Williamsburg; 2 each in the counties of Cumberland, James City, King George, and New Kent; and four each in the counties of Chesterfield and Henrico. The company's Mortgage Banking segment provides various residential mortgage loans; originates conventional mortgage loans, mortgage loans insured by the Federal Housing Administration, and mortgage loans guaranteed by the United States Department of Agriculture and the Veterans Administration; and ancillary mortgage loan origination services for residential appraisals, as well as various mortgage origination functions to third parties. It provides mortgage loan origination services through 11 offices in Virginia, 1 office in Maryland, and 2 offices in North Carolina, as well as through 1 each in South Carolina and West Virginia. The company's Consumer Finance segment provides automobile loans through its offices in Richmond and Hampton, Virginia. It also offers brokerage and wealth management services; and insurance products. In addition, the company provides title and settlement agency, and insurance services. C&F Financial Corporation was founded in 1927 and is headquartered in West Point, Virginia.
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Here are 1-3 brief analogies for C&F Financial:
A regional, diversified bank similar to a smaller PNC or Truist, primarily serving the Mid-Atlantic.
Like a community bank that also operates a significant mortgage and auto loan business, akin to a regional mini-Wells Fargo.
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C&F Financial (CFFI) offers the following major products and services:
- Retail Banking Services: Provides checking and savings accounts, various personal and business loans, and digital banking tools.
- Mortgage Banking: Offers a range of residential mortgage loans, including conventional and government-backed options.
- Consumer Finance: Specializes in automobile loans for consumers.
- Wealth Management: Provides brokerage and wealth management services to clients.
- Insurance Products: Offers various insurance products.
- Title and Settlement Services: Provides title and settlement agency services for real estate transactions.
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Major Customers of C&F Financial Corporation (CFFI)
C&F Financial Corporation provides banking and financial services to a broad base of customers, primarily serving individuals and businesses rather than a few major corporate clients. Based on the services described, its major customer categories include:
- Individual Banking Clients: This category encompasses a wide range of consumers utilizing personal banking services such as checking and savings deposit accounts, residential mortgage loans, home equity loans, installment loans, and automobile loans. It also includes individuals using ATMs, internet and mobile banking, and debit and credit cards.
- Business Banking Clients: This category includes various businesses that utilize the company's services for their operational and growth needs. This involves business deposit accounts, business loans, real estate loans, and development loans.
- Wealth Management and Specialized Service Clients: This category consists of individuals and entities seeking more specialized financial services, including brokerage and wealth management services, insurance products, and title and settlement agency services.
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Thomas F. Cherry, President and Chief Executive Officer
Thomas F. Cherry has served as the President and Chief Executive Officer of C&F Financial Corporation and Citizens and Farmers Bank since January 1, 2019, and as President since December 2014. He has been with C&F for over 28 years, previously holding the positions of Chief Financial Officer from 2004 to 2016 and Secretary from 2002 to 2018. Prior to his tenure at C&F, Mr. Cherry gained experience at Price Waterhouse LLP.
Jason E. Long, Executive Vice President, Chief Financial Officer and Secretary
Jason E. Long holds the role of Executive Vice President, Chief Financial Officer, and Secretary at C&F Financial Corporation. He joined C&F in October 2014 and assumed the CFO position in March 2016, succeeding Thomas Cherry. Before joining C&F, Mr. Long was an audit partner for 12 years at Yount, Hyde, Barbour, an accounting firm where he focused on serving small and regional community banks. He is a Certified Public Accountant (CPA) and holds both Master's and Bachelor of Science degrees in Accounting from Virginia Tech.
Larry G. Dillon, Executive Chairman
Larry G. Dillon serves as the Executive Chairman of C&F Financial Corporation. He previously served as the CEO for 29 years before transitioning to his current role in 2019. In his capacity as Executive Chairman, he works alongside the CEO to oversee the board and corporate governance.
Mark A. Fox, President & CEO - C&F Mortgage Corp.
Mark A. Fox is the President and CEO of C&F Mortgage Corporation, a key subsidiary of C&F Financial Corporation.
S. Dustin Crone, President and Chief Executive Officer of C&F Finance Company
S. Dustin Crone is the President and Chief Executive Officer of C&F Finance Company, another significant entity within the C&F Financial Corporation family. He is responsible for the overall strategic vision, operational management, and growth initiatives of C&F Finance Company, which focuses on providing a diverse array of financial products and services, including auto loans and financing.
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Key Risks to C&F Financial (CFFI)
- Interest Rate Fluctuations: As a bank holding company, C&F Financial's profitability is highly dependent on its net interest margin, which is sensitive to changes in prevailing interest rates. Significant fluctuations in interest rates, particularly a sustained decline in rates or an adverse shift in the yield curve, could compress margins, reduce loan demand, and negatively impact the value of its investment portfolio.
- Credit Risk and Economic Downturn: C&F Financial engages in extensive lending activities, including business, real estate, development, mortgage, home equity, installment, and automobile loans. A general economic downturn, regionally or nationally, could lead to increased unemployment, reduced consumer spending, and financial distress among its borrowers, resulting in higher loan delinquencies, charge-offs, and provisions for loan losses.
- Real Estate Market Decline: A substantial portion of C&F Financial's business is tied to real estate, including residential mortgage loans, real estate development loans, and home equity loans. A significant decline in real estate values or a prolonged stagnation in the real estate markets within its primary operating regions (Virginia, Maryland, North Carolina, South Carolina, and West Virginia) could adversely affect the quality of its loan portfolio, collateral values, and demand for new mortgage originations.
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Competition from digital-first banks (neobanks) and online financial technology (fintech) platforms offering streamlined, mobile-centric services across retail banking, mortgage lending, and consumer finance, which can operate with lower overhead and offer more competitive rates and user experiences than traditional branch-based institutions.
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C&F Financial Corporation (CFFI) operates in several financial sectors. The addressable market sizes for its main products and services, within their specified operating regions, are detailed below:
Retail Banking
- Deposits (Virginia): The total deposits in Virginia banks amounted to approximately $296 billion USD in 2024.
- Commercial Banking (Virginia): The Commercial Banking industry in Virginia had a market size of approximately $24.4 billion USD in 2026.
Mortgage Banking
- Residential Mortgage Loans (Virginia): New home loans booked in Virginia totaled approximately $35.2 billion USD in 2024.
- Residential Mortgage Loans (Maryland): The estimated market size for residential home sales in Maryland was approximately $28.9 billion USD in 2025, based on 67,245 homes sold and a median sales price of $430,000.
- Residential Mortgage Loans (North Carolina): The estimated annual market size for residential home sales in North Carolina was approximately $18.2 billion USD (annualized) based on roughly 13,413 homes sold per period (estimated quarterly) and a median sale price of $339,000 in January 2026.
- Residential Mortgage Loans (South Carolina): The estimated market size for residential home sales in South Carolina was approximately $34.8 billion USD in 2025, based on 91,372 closed sales and a median home sale price of $381,400.
- Residential Mortgage Loans (West Virginia): The estimated annual market size for residential home sales in West Virginia was approximately $1.8 billion USD (annualized), based on 752 homes sold monthly and a median sale price of $203,000 in January 2026.
Consumer Finance
- Automobile Loans (Virginia): Null. Specific market size data for automobile loans solely within C&F Financial's operating regions in Virginia (Richmond and Hampton) is not available.
Other Services
- Brokerage and Wealth Management Services: Null. Specific market size data for wealth management services within C&F Financial's operating regions is not available.
- Insurance Products: Null. Specific market size data for insurance products within C&F Financial's operating regions, considering the broad nature of "insurance products," is not available.
- Title and Settlement Agency Services (U.S.): The U.S. industry revenue for Title and Settlement Services was approximately $15.4 billion USD in 2025.
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C&F Financial Corporation (CFFI) is expected to drive future revenue growth over the next two to three years through several key strategies across its diverse segments. The anticipated drivers include:- Community Banking Loan and Deposit Growth: C&F Financial projects continued expansion within its community banking segment by increasing both loans and deposits. For instance, in the first quarter of 2025, the community banking segment saw annualized loan growth of 7.6% and deposit growth of 8.4%. Over the full year 2025, community banking loans increased by $136.7 million, or 9.4%, and deposits grew by $174.9 million, or 8.1%, compared to the previous year.
- Mortgage Banking Origination Growth: The company expects a rebound and sustained growth in its mortgage banking segment. Despite higher interest rates, mortgage loan originations increased by 32.8% in the fourth quarter of 2024 year-over-year. For the full year 2025, the mortgage banking segment reported a significant 28.9% increase in loan originations.
- Net Interest Margin (NIM) Improvement: After facing challenges, C&F Financial is optimistic about the stabilization and potential improvement of its net interest margin. Management expects earnings momentum to head into the coming year, supported by strategic efforts and an improving interest rate environment. The consolidated net interest margin for the full year 2025 expanded to 4.21% from 4.12% in 2024, demonstrating positive momentum.
- Strategic Market and Commercial Banking Expansion: C&F Financial is committed to strategic initiatives, including expanding its presence in new markets. The company plans to focus on growing its footprint in Southwest Virginia and enhancing operational efficiencies across its segments. The expansion of lending and deposits in 2025 was partly attributed to the addition of a commercial banking team in Roanoke, indicating a focus on specific market segments.
- Growth in Wealth Management and Ancillary Services: The company anticipates increased revenue from its wealth management and other fee-based services. The 2025 annual report highlighted increased activity in its wealth management units, with assets under management reaching $627 million. This focus on diverse financial offerings beyond traditional banking services is expected to contribute to non-interest income growth.
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Share Repurchases
- C&F Financial Corporation authorized a new share repurchase program on December 17, 2025, to buy back up to $5 million of its common stock, effective from January 1, 2026, through December 31, 2026.
- A previous share repurchase program was announced on December 19, 2024, authorizing the company to repurchase up to $5 million worth of its common stock until December 31, 2025.
- Under a program authorized in November 2022, which expired on December 31, 2023, C&F Financial Corporation repurchased 135,327 shares of its common stock for an aggregate cost of $7.5 million.
Capital Expenditures
- C&F Financial Corporation's latest trailing twelve months (TTM) Capital Expenditure (CapEx) Compound Annual Growth Rate (CAGR) over three years was 17.74%.
- Over the past five years, the average CapEx CAGR over three years for C&F Financial Corporation was -11.86%, with a high of 39.93% and a low of -78.32%.
- The company's latest trailing twelve months (TTM) average capital expenditure over ten years stands at $3.45 million.
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 38.26 |
| Mkt Cap | 0.4 |
| Rev LTM | 136 |
| Op Inc LTM | - |
| FCF LTM | 44 |
| FCF 3Y Avg | 40 |
| CFO LTM | 48 |
| CFO 3Y Avg | 42 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 11.7% |
| Rev Chg 3Y Avg | 10.6% |
| Rev Chg Q | 10.5% |
| QoQ Delta Rev Chg LTM | 2.4% |
| Op Inc Chg LTM | - |
| Op Inc Chg 3Y Avg | - |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 23.6% |
| CFO/Rev 3Y Avg | 36.0% |
| FCF/Rev LTM | 21.8% |
| FCF/Rev 3Y Avg | 34.3% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 0.4 |
| P/S | 2.6 |
| P/Op Inc | - |
| P/EBIT | - |
| P/E | 8.9 |
| P/CFO | 9.0 |
| Total Yield | 11.7% |
| Dividend Yield | 0.9% |
| FCF Yield 3Y Avg | 12.8% |
| D/E | 0.3 |
| Net D/E | -0.8 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -4.6% |
| 3M Rtn | -5.6% |
| 6M Rtn | 7.1% |
| 12M Rtn | 14.9% |
| 3Y Rtn | 82.4% |
| 1M Excs Rtn | -13.4% |
| 3M Excs Rtn | -12.1% |
| 6M Excs Rtn | -1.3% |
| 12M Excs Rtn | -17.0% |
| 3Y Excs Rtn | -0.1% |
Price Behavior
Price Behavior
| Market Price | $73.35 | |
| Market Cap ($ Bil) | 0.2 | |
| First Trading Date | 05/07/1998 | |
| Distance from 52W High | -8.8% | |
| 50 Days | 200 Days | |
| DMA Price | $74.17 | $70.77 |
| DMA Trend | up | indeterminate |
| Distance from DMA | -1.1% | 3.7% |
| 3M | 1YR | |
| Volatility | 34.4% | 31.0% |
| Downside Capture | 0.75 | 0.38 |
| Upside Capture | 91.20 | 67.14 |
| Correlation (SPY) | 26.6% | 25.3% |
CFFI Betas & Captures as of 4/30/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.30 | 0.48 | 0.50 | 0.43 | 0.67 | 0.87 |
| Up Beta | -0.01 | 0.09 | 0.18 | 0.50 | 0.62 | 0.83 |
| Down Beta | 5.01 | -0.28 | 0.05 | 0.23 | 0.56 | 0.97 |
| Up Capture | 38% | 85% | 82% | 53% | 60% | 60% |
| Bmk +ve Days | 15 | 22 | 31 | 66 | 141 | 428 |
| Stock +ve Days | 12 | 22 | 32 | 62 | 119 | 373 |
| Down Capture | 113% | 80% | 69% | 42% | 81% | 95% |
| Bmk -ve Days | 4 | 18 | 30 | 56 | 108 | 321 |
| Stock -ve Days | 10 | 21 | 32 | 62 | 132 | 376 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CFFI | |
|---|---|---|---|---|
| CFFI | 11.8% | 30.9% | 0.38 | - |
| Sector ETF (XLF) | 4.3% | 14.5% | 0.07 | 35.9% |
| Equity (SPY) | 28.1% | 12.5% | 1.78 | 26.3% |
| Gold (GLD) | 42.9% | 26.9% | 1.30 | -4.7% |
| Commodities (DBC) | 48.6% | 18.0% | 2.14 | -16.5% |
| Real Estate (VNQ) | 13.6% | 13.5% | 0.70 | 16.9% |
| Bitcoin (BTCUSD) | -22.4% | 41.7% | -0.50 | 9.8% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CFFI | |
|---|---|---|---|---|
| CFFI | 16.3% | 35.3% | 0.51 | - |
| Sector ETF (XLF) | 8.7% | 18.6% | 0.35 | 30.5% |
| Equity (SPY) | 12.9% | 17.1% | 0.59 | 24.9% |
| Gold (GLD) | 21.2% | 17.9% | 0.96 | -0.5% |
| Commodities (DBC) | 13.5% | 19.1% | 0.58 | 4.9% |
| Real Estate (VNQ) | 3.6% | 18.8% | 0.09 | 23.6% |
| Bitcoin (BTCUSD) | 8.5% | 56.0% | 0.36 | 8.3% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CFFI | |
|---|---|---|---|---|
| CFFI | 10.7% | 37.1% | 0.39 | - |
| Sector ETF (XLF) | 12.4% | 22.2% | 0.52 | 44.3% |
| Equity (SPY) | 15.0% | 17.9% | 0.72 | 38.6% |
| Gold (GLD) | 13.4% | 15.9% | 0.70 | -3.9% |
| Commodities (DBC) | 9.5% | 17.7% | 0.45 | 13.5% |
| Real Estate (VNQ) | 5.6% | 20.7% | 0.24 | 36.4% |
| Bitcoin (BTCUSD) | 68.1% | 66.9% | 1.07 | 11.8% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 4/23/2026 | 1.2% | 0.2% | |
| 1/27/2026 | -0.4% | 10.6% | 6.0% |
| 10/23/2025 | 2.6% | 2.1% | 5.3% |
| 7/24/2025 | -0.9% | -7.5% | -2.7% |
| 4/24/2025 | -5.4% | -1.0% | -4.4% |
| 1/28/2025 | 0.3% | 4.0% | 6.7% |
| 10/29/2024 | 1.7% | 7.1% | 18.3% |
| 7/24/2024 | 5.1% | 11.1% | 3.7% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 17 | 14 | 15 |
| # Negative | 7 | 10 | 8 |
| Median Positive | 1.2% | 3.5% | 10.3% |
| Median Negative | -0.7% | -1.5% | -4.4% |
| Max Positive | 5.1% | 11.1% | 26.5% |
| Max Negative | -5.4% | -7.5% | -6.3% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 03/31/2026 | 05/11/2026 | 10-Q |
| 12/31/2025 | 03/03/2026 | 10-K |
| 09/30/2025 | 11/04/2025 | 10-Q |
| 06/30/2025 | 08/11/2025 | 10-Q |
| 03/31/2025 | 05/06/2025 | 10-Q |
| 12/31/2024 | 02/27/2025 | 10-K |
| 09/30/2024 | 11/04/2024 | 10-Q |
| 06/30/2024 | 08/02/2024 | 10-Q |
| 03/31/2024 | 05/07/2024 | 10-Q |
| 12/31/2023 | 02/27/2024 | 10-K |
| 09/30/2023 | 11/07/2023 | 10-Q |
| 06/30/2023 | 08/08/2023 | 10-Q |
| 03/31/2023 | 05/05/2023 | 10-Q |
| 12/31/2022 | 02/28/2023 | 10-K |
| 09/30/2022 | 11/08/2022 | 10-Q |
| 06/30/2022 | 08/01/2022 | 10-Q |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Cherry, Thomas F | PRESIDENT & CEO | Direct | Sell | 3022026 | 78.25 | 11 | 861 | 3,344,483 | Form |
| 2 | Cherry, Thomas F | PRESIDENT & CEO | Direct | Sell | 8252025 | 71.00 | 1,205 | 85,555 | 2,726,542 | Form |
| 3 | Peay, D Anthony | Direct | Sell | 5302025 | 66.94 | 136 | 9,104 | 122,166 | Form | |
| 4 | Peay, D Anthony | Direct | Sell | 5222025 | 66.86 | 103 | 6,887 | 131,112 | Form | |
| 5 | Peay, D Anthony | Direct | Sell | 5212025 | 68.04 | 254 | 17,282 | 140,435 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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