C F Financial

-8.1%

1. Credit risk: C F Financial lends money to individuals and businesses, which exposes them to the risk of default by borrowers. If borrowers fail to repay their loans, it can impact the company's profitability and financial stability.

2. Interest rate risk: C F Financial's earnings are sensitive to changes in interest rates. As a financial institution, it borrows money at short-term rates and lends at long-term rates. Any significant changes in interest rates can impact the company's profitability and financial performance.

3. Market risk: C F Financial has a significant exposure to the housing market. Any downturn or instability in the real estate market can affect the company's mortgage lending business and result in losses.

4. Liquidity risk: C F Financial relies on the ability to raise funds through deposits and capital markets to fund its operations and lending activities. If the company is unable to access funds when needed, it could face liquidity issues and may have to seek costly alternatives.

5. Operational risk: Like any financial institution, C F Financial is exposed to operational risks, such as system failures, fraud, or human error. These risks can result in financial and reputational damage to the company.

6. Regulatory risk: C F Financial is subject to regulations from federal and state authorities, and any changes in regulations or failure to comply with existing regulations can result in fines, penalties, or restrictions on its operations.

7. Competition risk: C F Financial operates in a highly competitive market, with other financial institutions offering similar products and services. Any failure to differentiate itself and attract new customers could impact its market share and profitability.

8. Concentration risk: C F Financial is primarily focused on mortgage lending, which makes it vulnerable to a downturn in the housing market. Its reliance on a single product line makes it susceptible to concentration risk.

9. Cybersecurity risk: With increasing reliance on technology, C F Financial is exposed to cybersecurity risks. A data breach or cyber attack could result in financial losses and damage the company's reputation.

10. Economic risk: C F Financial's performance is closely tied to the overall economy. Any economic downturn or recession can lead to a decrease in loan demand and increase in defaults, impacting the company's financial performance.