C&F Financial (CFFI)
Market Price (3/5/2026): $74.72 | Market Cap: $241.9 MilSector: Financials | Industry: Regional Banks
C&F Financial (CFFI)
Market Price (3/5/2026): $74.72Market Cap: $241.9 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 13%, Dividend Yield is 2.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.9%, FCF Yield is 23% | Weak multi-year price returns3Y Excs Rtn is -33% | 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. |
| 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 -86% | Meaningful short interestShort Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 11.12 | |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 43%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 42% | ||
| Low stock price volatilityVol 12M is 38% | ||
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments. Themes include Digital Payments, Online Banking & Lending, and Wealth Management Technology. |
| Attractive yieldTotal YieldTotal Yield = Earnings Yield + Dividend Yield, Earnings Yield = Net Income / Market Cap Dividend Yield = Total Dividends / Market Cap is 13%, Dividend Yield is 2.4%, ERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is 8.9%, FCF Yield is 23% |
| 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 -86% |
| Attractive cash flow generationCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is 43%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is 42% |
| Low stock price volatilityVol 12M is 38% |
| 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 -33% |
| Meaningful short interestShort Interest Days-to-CoverDTC = (Short Interest Share Quantity) / (Average Daily Trading Volume). Reflects how many days it would take to cover (close out) the short interest based on average volumes. High DTC can signify an increased risk of a short squeeze. is 11.12 |
| 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 gained about 10% since 11/30/2025 because of the following key factors:
1. Strong Fourth Quarter and Full-Year 2025 Financial Performance: C&F Financial Corporation reported a significant increase in its financial results for the fourth quarter and full year of 2025, with Q4 2025 consolidated net income rising to $6.7 million, up from $6.0 million in Q4 2024. Earnings per share (EPS) for Q4 2025 were $2.07, an increase from $1.87 in the prior year's fourth quarter. For the full year 2025, the company's consolidated net income grew to $27.0 million, compared to $19.9 million in 2024. This growth was attributed to a diversified business model, including increased loans and deposits in the community banking segment, higher wealth advisory revenue, and strong loan originations in the mortgage banking segment.
2. Increase in Quarterly Dividend Payout: The company demonstrated its commitment to returning value to shareholders by increasing its quarterly cash dividend. On February 25, 2026, C&F Financial's board of directors declared a regular cash dividend of 48 cents per share, payable on April 1, 2026. This represents a 4% increase from the previous quarter's dividend of 46 cents per share.
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1. Strong Fourth Quarter and Full-Year 2025 Financial Performance: C&F Financial Corporation reported a significant increase in its financial results for the fourth quarter and full year of 2025, with Q4 2025 consolidated net income rising to $6.7 million, up from $6.0 million in Q4 2024. Earnings per share (EPS) for Q4 2025 were $2.07, an increase from $1.87 in the prior year's fourth quarter. For the full year 2025, the company's consolidated net income grew to $27.0 million, compared to $19.9 million in 2024. This growth was attributed to a diversified business model, including increased loans and deposits in the community banking segment, higher wealth advisory revenue, and strong loan originations in the mortgage banking segment.
2. Increase in Quarterly Dividend Payout: The company demonstrated its commitment to returning value to shareholders by increasing its quarterly cash dividend. On February 25, 2026, C&F Financial's board of directors declared a regular cash dividend of 48 cents per share, payable on April 1, 2026. This represents a 4% increase from the previous quarter's dividend of 46 cents per share.
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Stock Movement Drivers
Fundamental Drivers
The 8.3% change in CFFI stock from 11/30/2025 to 3/4/2026 was primarily driven by a 8.3% change in the company's P/E Multiple.| (LTM values as of) | 11302025 | 3042026 | Change |
|---|---|---|---|
| Stock Price ($) | 69.02 | 74.72 | 8.3% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 134 | 134 | 0.0% |
| Net Income Margin (%) | 19.6% | 19.6% | 0.0% |
| P/E Multiple | 8.5 | 9.2 | 8.3% |
| Shares Outstanding (Mil) | 3 | 3 | 0.0% |
| Cumulative Contribution | 8.3% |
Market Drivers
11/30/2025 to 3/4/2026| Return | Correlation | |
|---|---|---|
| CFFI | 8.3% | |
| Market (SPY) | 0.3% | 15.5% |
| Sector (XLF) | -3.4% | 33.8% |
Fundamental Drivers
The 5.2% change in CFFI stock from 8/31/2025 to 3/4/2026 was primarily driven by a 4.8% change in the company's Net Income Margin (%).| (LTM values as of) | 8312025 | 3042026 | Change |
|---|---|---|---|
| Stock Price ($) | 71.06 | 74.72 | 5.2% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 131 | 134 | 2.0% |
| Net Income Margin (%) | 18.7% | 19.6% | 4.8% |
| P/E Multiple | 9.4 | 9.2 | -1.6% |
| Shares Outstanding (Mil) | 3 | 3 | 0.0% |
| Cumulative Contribution | 5.2% |
Market Drivers
8/31/2025 to 3/4/2026| Return | Correlation | |
|---|---|---|
| CFFI | 5.2% | |
| Market (SPY) | 6.5% | 21.5% |
| Sector (XLF) | -4.3% | 36.4% |
Fundamental Drivers
The -3.7% change in CFFI stock from 2/28/2025 to 3/4/2026 was primarily driven by a -26.8% change in the company's P/E Multiple.| (LTM values as of) | 2282025 | 3042026 | Change |
|---|---|---|---|
| Stock Price ($) | 77.62 | 74.72 | -3.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 124 | 134 | 7.8% |
| Net Income Margin (%) | 16.0% | 19.6% | 22.5% |
| P/E Multiple | 12.6 | 9.2 | -26.8% |
| Shares Outstanding (Mil) | 3 | 3 | -0.4% |
| Cumulative Contribution | -3.7% |
Market Drivers
2/28/2025 to 3/4/2026| Return | Correlation | |
|---|---|---|
| CFFI | -3.7% | |
| Market (SPY) | 16.3% | 44.5% |
| Sector (XLF) | -0.3% | 50.0% |
Fundamental Drivers
The 42.7% change in CFFI stock from 2/28/2023 to 3/4/2026 was primarily driven by a 48.1% change in the company's P/E Multiple.| (LTM values as of) | 2282023 | 3042026 | Change |
|---|---|---|---|
| Stock Price ($) | 52.37 | 74.72 | 42.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 116 | 134 | 15.7% |
| Net Income Margin (%) | 25.2% | 19.6% | -22.4% |
| P/E Multiple | 6.2 | 9.2 | 48.1% |
| Shares Outstanding (Mil) | 3 | 3 | 7.3% |
| Cumulative Contribution | 42.7% |
Market Drivers
2/28/2023 to 3/4/2026| Return | Correlation | |
|---|---|---|
| CFFI | 42.7% | |
| Market (SPY) | 79.3% | 33.9% |
| Sector (XLF) | 50.8% | 40.1% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| CFFI Return | 42% | 17% | 21% | 8% | 5% | 1% | 129% |
| Peers Return | 52% | 22% | 2% | 34% | -5% | 16% | 183% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -0% | 81% |
Monthly Win Rates [3] | |||||||
| CFFI Win Rate | 67% | 58% | 58% | 50% | 67% | 67% | |
| Peers Win Rate | 75% | 56% | 50% | 58% | 57% | 63% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 33% | |
Max Drawdowns [4] | |||||||
| CFFI Max Drawdown | -0% | -13% | -16% | -49% | -21% | -5% | |
| Peers Max Drawdown | -3% | -7% | -33% | -17% | -24% | -1% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -1% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: ESQ, OBT, BSVN, FGBI, CBC. 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 3/4/2026 (YTD)
How Low Can It Go
| Event | CFFI | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -22.0% | -25.4% |
| % Gain to Breakeven | 28.2% | 34.1% |
| Time to Breakeven | 42 days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -48.4% | -33.9% |
| % Gain to Breakeven | 93.8% | 51.3% |
| Time to Breakeven | 902 days | 148 days |
| 2018 Correction | ||
| % Loss | -30.9% | -19.8% |
| % Gain to Breakeven | 44.8% | 24.7% |
| Time to Breakeven | 1,574 days | 120 days |
| 2008 Global Financial Crisis | ||
| % Loss | -75.1% | -56.8% |
| % Gain to Breakeven | 302.0% | 131.3% |
| Time to Breakeven | 1,527 days | 1,480 days |
Compare to ESQ, OBT, BSVN, FGBI, CBC
In The Past
C&F Financial's stock fell -22.0% during the 2022 Inflation Shock from a high on 3/10/2021. A -22.0% loss requires a 28.2% gain to breakeven.
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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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- A smaller, regional version of a diversified bank like Truist or PNC.
- Like a community-focused Wells Fargo, offering traditional banking, mortgages, and auto loans.
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- Community Banking: Provides traditional deposit accounts, consumer loans, and business lending solutions to individuals and local businesses.
- Mortgage Banking: Originates and services residential mortgage loans for homebuyers.
- Indirect Auto Lending: Offers indirect financing for automobile purchases, primarily to customers with subprime credit profiles, through a network of dealerships.
- Wealth Management: Provides investment management, financial planning, and trust services to individuals and families.
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C&F Financial (CFFI) is a financial holding company that operates primarily as a community bank. As such, its "major customers" are not typically other large, named corporations to which it sells goods or services in a traditional supplier-customer relationship. Instead, C&F Financial serves a broad base of individuals and businesses within its operating regions by providing a range of financial products and services.
Its customer base can be primarily categorized as:
- Individuals and Families: These customers utilize C&F Financial for a variety of retail banking services, including checking and savings accounts, personal loans, residential mortgage loans, and consumer finance products such as automobile loans.
- Small to Medium-Sized Businesses: C&F Financial provides commercial banking services to local and regional businesses. This includes business loans (commercial real estate, lines of credit), deposit accounts, treasury management services, and other financial solutions tailored to business needs.
- High-Net-Worth Individuals, Families, and Non-Profit Organizations: Through its trust and wealth management division, C&F Financial serves clients seeking investment management, financial planning, estate planning, and trust 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 since December 2014. He has a long tenure with the company, having been with C&F Financial Corporation and Citizens and Farmers Bank since 1998. Prior to his appointment as CEO, he held the position of Chief Financial Officer.
Jason E. Long Executive Vice President, Chief Financial Officer and Secretary
Jason E. Long was appointed as the Senior Vice President and Chief Financial Officer of C&F Financial Corporation and Citizens and Farmers Bank in March 2016. He joined the bank in October 2014.
Larry G. Dillon Executive Chairman of the Board
Larry G. Dillon serves as the Executive Chairman of the Board for C&F Financial Corporation. He has been with the company since 1989.
S. Dustin Crone President and Chief Executive Officer, C&F Finance
S. Dustin Crone is the President and Chief Executive Officer of C&F Finance, a subsidiary of C&F Financial Corporation.
Mark A. Fox President and Chief Executive Officer, C&F Mortgage
Mark A. Fox is the President and Chief Executive Officer of C&F Mortgage, a subsidiary of C&F Financial Corporation.
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The key risks to C&F Financial (CFFI) primarily stem from its lending activities, the dynamic interest rate environment, and its deposit structure.
- Credit Risk and Deteriorating Asset Quality: C&F Financial faces significant credit risk, particularly within its consumer finance segment. The company's consumer finance division serves customers with higher credit risk, leading to an expectation of higher credit losses compared to traditional financing sources. Recent reports indicate rising charge-offs in this segment, with net charge-offs increasing to 2.64% of average total loans in the first quarter of 2025, up from 2.54% year-over-year. This increase is attributed to a rise in delinquent loans, repossessions, and the average amount charged-off for uncollectable loans. Nonaccrual loans also saw an increase, reaching $1.2 million in Q1 2025 from $333,000 in Q4 2024.
- Interest Rate Risk: As a financial institution, C&F Financial is highly sensitive to changes in interest rates. Fluctuations in interest rates can directly impact the company's net interest margin, which may narrow as rates normalize. Higher interest rates can decrease the demand for loans and other financial products, and an increase in short-term interest rates can lead to a surge in borrowing costs, offsetting gains from loan growth. The company has already experienced higher interest expenses due to increased deposit rates.
- Liquidity Risk from Uninsured Deposits: A substantial portion of C&F Financial's deposits are uninsured, representing approximately 30% of its total deposits. This exposure makes the bank vulnerable to potential liquidity challenges, particularly during stressed market environments where depositors might withdraw funds, creating a strain on the bank's available cash and short-term funding.
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The clear emerging threat to C&F Financial (CFFI) is the rapid rise and increasing market penetration of digital-first banks (neobanks) and specialized fintech platforms. These entities offer banking, lending, and wealth management services primarily through mobile apps and online interfaces, often providing superior user experiences, lower fees, and competitive interest rates on deposits or loans. This model directly challenges CFFI's traditional branch-based community banking approach, making it more difficult to attract and retain customers, particularly younger, tech-savvy demographics, and threatens to erode its deposit base and lending market share as customer preferences shift towards seamless digital interactions.
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C&F Financial (CFFI) operates through several main segments, including Community Banking, Mortgage Banking, Consumer Finance, and also offers Wealth Management and Brokerage Services, and Insurance products and services. The addressable market sizes for its key products and services in the United States are as follows:
- Community Banking: The U.S. community banking market was valued at approximately USD 6.35 billion in 2024.
- Mortgage Banking: The U.S. home loan market is substantial, reaching an estimated USD 2.29 trillion in 2025.
- Consumer Finance - Automobile Loans: The U.S. auto loan market is projected to be around USD 676.20 billion in 2025.
- Consumer Finance - Recreational Vehicle (RV) Loans: The Recreational Vehicle Financing Market in the U.S. is valued at approximately USD 39.58 billion in 2025.
- Consumer Finance - Marine Loans: null
- Wealth Management: Assets under Management (AUM) in the U.S. wealth management market are predicted to reach approximately USD 67.75 trillion by 2024.
- Brokerage Services: The U.S. securities brokerage market was valued at approximately USD 201.07 billion in 2024.
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C&F Financial (CFFI) is expected to drive future revenue growth over the next 2-3 years through several strategic initiatives across its diversified financial services portfolio:
- Geographic Expansion of Commercial Banking: C&F Financial has embarked on a strategic expansion of its commercial banking operations into Southwest Virginia. This move targets key markets such as Roanoke, Lynchburg, Danville, Martinsville, and Blacksburg, aiming to enhance its regional presence and serve a broader customer base.
- Continued Growth in Community Banking Loans and Deposits: The community banking segment is a primary earnings driver for C&F Financial, consistently demonstrating strong loan and deposit growth. Management anticipates continued organic growth in both loans and deposits within this segment, supporting overall revenue expansion.
- Increased Mortgage Banking Loan Originations: The mortgage banking segment has shown a significant increase in loan originations. The company expects sustained growth in this sector, driven by efforts to improve operating efficiencies and focus on loan officer recruitment and retention.
- Expansion of Wealth Management Services: CFFI aims to grow its wealth management services by targeting high-net-worth individuals and introducing innovative investment solutions. The company is also exploring strategic partnerships and service enhancements to further expand its offerings in this area.
- Investments in Digital Services and Technology: C&F Financial is committed to investing in technology to enhance its digital banking capabilities, including mobile applications, online account management, and digital payment solutions. These ongoing technology investments are aimed at improving operational efficiency and delivering more convenient and secure customer experiences.
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Share Repurchases- C&F Financial Corporation authorized a share repurchase program on December 19, 2024, to buy back up to $5 million of its common stock, valid until December 31, 2025.
- No repurchases were made under the 2025 Repurchase Program during the second quarter of 2025.
- A share repurchase program was authorized on November 17, 2020, allowing for the repurchase of up to 365,000 shares through November 30, 2021.
- Common stock issued amounted to approximately $42,000 up to March 31, 2025.
- The number of common shares outstanding was 3,238,301 as of August 8, 2025.
- In early 2020, C&F Financial completed the acquisition of Peoples Bankshares, Incorporated for approximately $21.4 million in stock and cash, which included the Stafford branch of Peoples Community Bank.
- The company expanded its market presence by establishing a loan production office in Fredericksburg in 2021 and subsequently opening a de novo branch and financial center in the city in 2022.
- C&F announced an expansion into Southwest Virginia in July 2025.
- Capital expenditures for the second quarter of 2024 were $0.566 million, primarily focused on community banking infrastructure.
- In 2024, the company made adjustments to its retail branch footprint, including relocating its Brandermill office and opening a new branch in Colonial Heights.
- A new financial center was opened in downtown Fredericksburg in 2022 as part of a strategic goal to enhance earning assets.
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Research & Analysis
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 41.82 |
| Mkt Cap | 0.4 |
| Rev LTM | 121 |
| Op Inc LTM | - |
| FCF LTM | 45 |
| FCF 3Y Avg | 38 |
| CFO LTM | 50 |
| CFO 3Y Avg | 40 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 8.0% |
| Rev Chg 3Y Avg | 13.5% |
| Rev Chg Q | 8.0% |
| QoQ Delta Rev Chg LTM | 2.0% |
| Op Mgn LTM | - |
| Op Mgn 3Y Avg | - |
| QoQ Delta Op Mgn LTM | - |
| CFO/Rev LTM | 39.0% |
| CFO/Rev 3Y Avg | 35.8% |
| FCF/Rev LTM | 35.3% |
| FCF/Rev 3Y Avg | 33.4% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 0.4 |
| P/S | 3.6 |
| P/EBIT | - |
| P/E | 9.2 |
| P/CFO | 7.9 |
| Total Yield | 9.6% |
| Dividend Yield | 1.1% |
| FCF Yield 3Y Avg | 13.4% |
| D/E | 0.1 |
| Net D/E | -0.7 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -4.2% |
| 3M Rtn | 8.0% |
| 6M Rtn | 6.9% |
| 12M Rtn | 11.1% |
| 3Y Rtn | 41.3% |
| 1M Excs Rtn | -2.7% |
| 3M Excs Rtn | 7.7% |
| 6M Excs Rtn | -0.3% |
| 12M Excs Rtn | -9.0% |
| 3Y Excs Rtn | -33.0% |
Price Behavior
Price Behavior
| Market Price | $74.72 | |
| Market Cap ($ Bil) | 0.2 | |
| First Trading Date | 05/07/1998 | |
| Distance from 52W High | -7.7% | |
| 50 Days | 200 Days | |
| DMA Price | $73.88 | $68.70 |
| DMA Trend | up | up |
| Distance from DMA | 1.1% | 8.8% |
| 3M | 1YR | |
| Volatility | 33.0% | 37.7% |
| Downside Capture | -1.84 | 76.24 |
| Upside Capture | 46.95 | 64.35 |
| Correlation (SPY) | 14.6% | 44.3% |
CFFI Betas & Captures as of 2/28/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 0.61 | 0.51 | 0.37 | 0.54 | 0.87 | 0.87 |
| Up Beta | 0.53 | 1.73 | 1.48 | 1.12 | 0.83 | 0.84 |
| Down Beta | 0.72 | 0.25 | 0.48 | 0.66 | 1.14 | 1.00 |
| Up Capture | 78% | 36% | 19% | 30% | 48% | 54% |
| Bmk +ve Days | 9 | 20 | 31 | 70 | 142 | 431 |
| Stock +ve Days | 10 | 19 | 29 | 60 | 118 | 373 |
| Down Capture | 43% | 22% | -16% | 36% | 85% | 95% |
| Bmk -ve Days | 12 | 21 | 30 | 54 | 109 | 320 |
| Stock -ve Days | 11 | 21 | 31 | 63 | 132 | 375 |
[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 | -2.4% | 37.9% | 0.02 | - |
| Sector ETF (XLF) | 0.6% | 19.7% | -0.09 | 49.9% |
| Equity (SPY) | 18.5% | 19.2% | 0.76 | 44.4% |
| Gold (GLD) | 78.4% | 26.1% | 2.20 | -0.3% |
| Commodities (DBC) | 19.7% | 17.1% | 0.89 | 15.3% |
| Real Estate (VNQ) | 5.3% | 16.6% | 0.14 | 35.4% |
| Bitcoin (BTCUSD) | -20.7% | 45.1% | -0.38 | 19.7% |
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Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with CFFI | |
|---|---|---|---|---|
| CFFI | 16.0% | 35.7% | 0.51 | - |
| Sector ETF (XLF) | 11.2% | 18.8% | 0.48 | 31.2% |
| Equity (SPY) | 13.9% | 17.0% | 0.65 | 23.9% |
| Gold (GLD) | 23.4% | 17.3% | 1.11 | -0.2% |
| Commodities (DBC) | 11.2% | 19.0% | 0.47 | 8.3% |
| Real Estate (VNQ) | 5.2% | 18.8% | 0.18 | 23.6% |
| Bitcoin (BTCUSD) | 7.7% | 56.8% | 0.36 | 8.9% |
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 | 10.3% | 37.0% | 0.38 | - |
| Sector ETF (XLF) | 13.8% | 22.2% | 0.57 | 44.3% |
| Equity (SPY) | 15.4% | 17.9% | 0.74 | 38.6% |
| Gold (GLD) | 15.0% | 15.6% | 0.80 | -3.3% |
| Commodities (DBC) | 9.0% | 17.6% | 0.42 | 14.9% |
| Real Estate (VNQ) | 6.5% | 20.7% | 0.28 | 36.6% |
| Bitcoin (BTCUSD) | 66.2% | 66.8% | 1.06 | 11.9% |
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 |
| 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% |
| 4/19/2024 | 4.7% | 4.2% | 20.1% |
| ... | |||
| SUMMARY STATS | |||
| # Positive | 16 | 14 | 16 |
| # Negative | 8 | 10 | 8 |
| Median Positive | 1.4% | 3.9% | 10.5% |
| Median Negative | -0.8% | -1.5% | -4.4% |
| Max Positive | 5.1% | 16.2% | 26.5% |
| Max Negative | -5.4% | -7.5% | -6.3% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 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 |
| 03/31/2022 | 05/06/2022 | 10-Q |
| 12/31/2021 | 03/01/2022 | 10-K |
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 | 8252025 | 71.00 | 1,205 | 85,555 | 2,726,542 | Form |
| 2 | Peay, D Anthony | Direct | Sell | 5302025 | 66.94 | 136 | 9,104 | 122,166 | Form | |
| 3 | Peay, D Anthony | Direct | Sell | 5222025 | 66.86 | 103 | 6,887 | 131,112 | Form | |
| 4 | Peay, D Anthony | Direct | Sell | 5212025 | 68.04 | 254 | 17,282 | 140,435 | Form | |
| 5 | Peay, D Anthony | Direct | Sell | 5162025 | 68.41 | 476 | 32,563 | 160,695 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
Prefer one of these to Trefis? Tell us why.