NASDAQ: CFFI
C & F Financial Corp Stock

$85.05+0.25 (+0.29%)
Updated Feb 13, 2025
CFFI Price
$85.05
Fair Value Price
$39.84
Market Cap
$274.32M
52 Week Low
$33.51
52 Week High
$89.90
P/E
15x
P/B
1.21x
P/S
1.65x
PEG
16.04x
Dividend Yield
2.07%
Revenue
$115.37M
Earnings
$18.87M
Gross Margin
100%
Operating Margin
19.92%
Profit Margin
16.4%
Debt to Equity
10.22
Operating Cash Flow
$20M
Beta
0.79
Next Earnings
N/A
Ex-Dividend
N/A
Next Dividend
N/A

CFFI Overview

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.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine CFFI's potential to beat the market

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More

Zen Rating Component Grades

C
Value
D
Growth
A
Momentum
C
Sentiment
C
Safety
C
Financials
C
Artificial Intelligence
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Bank

Industry Rating
D
CFFI
Ranked
#229 of 339

Top Ranked Stocks in Industry

View Top Bank Stocks

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CFFI News

Overview

Due Diligence Score

Industry Average (32)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how CFFI scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

CFFI ($85.05) is overvalued by 113.48% relative to our estimate of its Fair Value price of $39.84 based on Discounted Cash Flow (DCF) modelling
Below Fair Value Valuation
CFFI ($85.05) is not significantly undervalued (113.48%) relative to our estimate of its Fair Value price of $39.84 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
CFFI ($85.05) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
There are 35 more CFFI due diligence checks available for Premium users.

Valuation

CFFI fair value

Fair Value of CFFI stock based on Discounted Cash Flow (DCF)

Price
$85.05
Fair Value
$39.84
Overvalued by
113.48%
CFFI ($85.05) is overvalued by... subscribe to Premium to read more.
Below Fair Value Valuation
CFFI ($85.05) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
CFFI ($85.05) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation

CFFI price to earnings (PE)

For valuing profitable companies with steady earnings

Company
15x
Industry
32.69x
Market
38.39x
CFFI is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
CFFI is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

CFFI price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
1.21x
Industry
1.16x
CFFI is poor value based... subscribe to Premium to read more.
P/B vs Industry Valuation

CFFI price to earnings growth (PEG)

For valuing profitable companies with growth potential

CFFI is poor value relative... subscribe to Premium to read more.
PEG Value Valuation

CFFI's financial health

Profit margin

Revenue
$29.8M
Net Income
$5.4M
Profit Margin
18.1%
CFFI's Earnings (EBIT) of $22.98M... subscribe to Premium to read more.
Interest Coverage Financials
CFFI's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$2.6B
Liabilities
$2.3B
Debt to equity
10.22
CFFI's debt has increased relative... subscribe to Premium to read more.
Shrinking Debt Financials
CFFI's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$404.0k
Investing
-$44.5M
Financing
$48.6M
CFFI's operating cash flow ($19.97M)... subscribe to Premium to read more.
Debt Coverage Financials

CFFI vs Bank Stocks

TickerZen RatingMarket Cap1d %P/EP/B
CFFIC$274.32M+0.29%15.00x1.21x
FRSTC$273.43M+0.64%-92.17x0.72x
LNKBC$276.91M0.00%-32.22x1.00x
WSBFC$278.59M+1.99%19.43x0.81x
BRBSC$278.63M+6.16%-4.16x0.83x

C & F Financial Stock FAQ

What is C & F Financial's quote symbol?

(NASDAQ: CFFI) C & F Financial trades on the NASDAQ under the ticker symbol CFFI. C & F Financial stock quotes can also be displayed as NASDAQ: CFFI.

If you're new to stock investing, here's how to buy C & F Financial stock.

What is the 52 week high and low for C & F Financial (NASDAQ: CFFI)?

(NASDAQ: CFFI) C & F Financial's 52-week high was $89.90, and its 52-week low was $33.51. It is currently -5.39% from its 52-week high and 153.8% from its 52-week low.

How much is C & F Financial stock worth today?

(NASDAQ: CFFI) C & F Financial currently has 3,225,409 outstanding shares. With C & F Financial stock trading at $85.05 per share, the total value of C & F Financial stock (market capitalization) is $274.32M.

C & F Financial stock was originally listed at a price of $21.00 in May 7, 1998. If you had invested in C & F Financial stock at $21.00, your return over the last 26 years would have been 305%, for an annualized return of 5.53% (not including any dividends or dividend reinvestments).

How much is C & F Financial's stock price per share?

(NASDAQ: CFFI) C & F Financial stock price per share is $85.05 today (as of Feb 13, 2025).

What is C & F Financial's Market Cap?

(NASDAQ: CFFI) C & F Financial's market cap is $274.32M, as of Feb 14, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

C & F Financial's market cap is calculated by multiplying CFFI's current stock price of $85.05 by CFFI's total outstanding shares of 3,225,409.
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