C&F Financial Corporation
CFFIFinancial Services · Stock · quarterly payer
Forward Yield
2.06%
Annual Dividend
$1.92
Payout Ratio
21%
5-Yr Growth
3.9%
Ex-Date
Sep 15, 2026
Frequency
Quarterly
Summary
As of September 2026, C&F Financial Corporation (CFFI) yields 2.06% ($1.92 per share annually), with a blended fair-value estimate of $206.37 — +120% upside, so it screens as undervalued. Dividend safety grade: A (89/100). 1 years of dividend growth.
Is CFFI a good dividend stock?
YesC&F Financial Corporation (CFFI) pays a quarterly dividend yielding 2.06% ($1.92/yr), with 1 year of growth and a dividend-safety grade of A. It scores well across payout coverage, growth history and safety — a dependable income holding.
Advantages
- Comfortable payout ratio (21%)
- 83% total price return over 5 years
- Top-tier dividend safety score
Risks
- Cut its dividend in 2009
Key Data
- Dividend Yield
- 2.06%
- Payout Ratio
- 21%
- Annual Dividend
- $1.92
- 5-Yr Avg Growth
- 3.9%
- Ex-Dividend Date
- Sep 15, 2026
- Years of Growth
- 1
- Frequency
- quarterly
- Beta
- 0.35
- Market Cap
- $304.4M
- P/E Ratio
- 10.4
- 5-Yr Total Return
- 83%
- 52-Week Range
- $64.71 – $97.07
- Dividend Safety
- A · 89/100
- Ever Cut?
- Yes (2009)
Frequently Asked Questions
CFFI Price — Last 12 Months
Daily close
Price Return
1 Year
+37%
3 Years
+78%
5 Years
+83%
52-Week Range
$64.71 – $97.07
Price change over each period (excludes dividends). Past performance doesn't guarantee future results.
What is CFFI worth?
Undervaluedlow confidenceOur blended fair-value estimate for C&F Financial Corporation is $206.37 per share, versus a market price of $93.60. That implies 120% of upside — a margin of safety of about 55%.
Fair Value
$206.37
Current Price
$93.60
Upside
+120%
Margin of Safety
55%
How we get there
Discounted cash flow
Discounts projected free cash flow back to today.
Dividend discount
Discounts the future dividend stream back to today.
Earnings multiple (Graham)
Graham's earnings-multiple formula, anchored to bond yields.
At today's price, the market is pricing in about -10.0% annual free-cash-flow growth. We model 9.9% — below our estimate, leaving room for upside if the business executes.
Assumptions: 7.0% discount rate (CAPM), 9.9% stage-1 growth, 2.5% terminal growth, $8.97 EPS, $1.92 annual dividend. Updated weekly.
Fair-value estimates are model output for educational purposes only — not investment advice or a price target.
CFFI Dividend Safety Score
Very Safe
SmarterDividends' proprietary score, backtested against which dividends were actually cut over 15+ years (0.78 AUC). It blends a validated cut-risk model (growth streak, cut history) with current payout, cash-flow and debt. Higher is safer · not investment advice.
Dividend Growth
Total dividends per share by year
Dividend History
| Ex-Date | Pay Date | Amount | Type |
|---|---|---|---|
| Sep 15, 2026 | — | $0.4800 | regular |
| Jun 15, 2026 | — | $0.4800 | regular |
| Mar 13, 2026 | — | $0.4800 | regular |
| Dec 15, 2025 | — | $0.4600 | regular |
| Sep 15, 2025 | — | $0.4600 | regular |
| Jun 13, 2025 | — | $0.4600 | regular |
| Mar 14, 2025 | — | $0.4600 | regular |
| Dec 13, 2024 | — | $0.4400 | regular |
| Sep 13, 2024 | — | $0.4400 | regular |
| Jun 14, 2024 | — | $0.4400 | regular |
| Mar 14, 2024 | — | $0.4400 | regular |
| Dec 14, 2023 | — | $0.4400 | regular |
| Sep 14, 2023 | — | $0.4400 | regular |
| Jun 14, 2023 | — | $0.4400 | regular |
Income Calculator
At $1.92 / yr per share
