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NASDAQ: CFFI
C & F Financial Corp Stock

$52.61-0.82 (-1.53%)
Updated Mar 1, 2024
CFFI Price
$52.61
Fair Value Price
$64.71
Market Cap
$177.48M
52 Week Low
$48.01
52 Week High
$72.00
P/E
7.6x
P/B
0.82x
P/S
1.93x
PEG
1.71x
Dividend Yield
3.35%
Revenue
$119.05M
Earnings
$23.60M
Gross Margin
100%
Operating Margin
24.38%
Profit Margin
19.8%
Debt to Equity
10.24
Operating Cash Flow
$39M
Beta
0.77
Next Earnings
Apr 24, 2024
Ex-Dividend
Mar 14, 2024
Next Dividend
Apr 1, 2024

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 Score

Industry Average (34)
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Due Diligence Checks

CFFI ($52.61) is undervalued by 18.7% relative to our estimate of its Fair Value price of $64.71 based on Discounted Cash Flow (DCF) modelling, but does not have a significant margin of safety
Below Fair Value Valuation
CFFI ($52.61) is not significantly undervalued (18.7%) relative to our estimate of its Fair Value price of $64.71 based on Discounted Cash Flow (DCF) modelling, when including a healthy margin of safety
Significantly Below Fair Value Valuation
CFFI ($52.61) is trading above... subscribe to Premium to read more.
Below Benjamin Graham Formula Value Valuation
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CFFI News

Valuation

CFFI fair value

Fair Value of CFFI stock based on Discounted Cash Flow (DCF)
Price
$52.61
Fair Value
$64.71
Undervalued by
18.70%
CFFI ($52.61) is undervalued by... subscribe to Premium to read more.
Below Fair Value Valuation
CFFI ($52.61) is not significantly... subscribe to Premium to read more.
Significantly Below Fair Value Valuation
CFFI ($52.61) 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
7.6x
Industry
-9.95x
Market
36.17x
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
0.82x
Industry
0.98x
CFFI is good 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
$29.9M
Net Income
$5.1M
Profit Margin
17%
CFFI's Earnings (EBIT) of $29.02M... 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
$2.4B
Liabilities
$2.2B
Debt to equity
10.24
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
$17.0M
Investing
-$9.7M
Financing
-$2.6M
CFFI's operating cash flow ($38.81M)... subscribe to Premium to read more.
Debt Coverage Financials

CFFI vs Bank Stocks

TickerMarket Cap1d %P/EP/B
CFFI$177.48M-1.53%7.60x0.82x
BCBP$175.72M-0.57%5.06x0.58x
PVBC$175.40M-0.40%15.03x0.81x
ESSA$175.07M-0.46%9.34x0.79x
WNEB$173.70M-1.48%8.08x0.75x

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 $72.00, and its 52-week low was $48.01. It is currently -26.93% from its 52-week high and 9.58% from its 52-week low.

How much is C & F Financial stock worth today?

(NASDAQ: CFFI) C & F Financial currently has 3,373,503 outstanding shares. With C & F Financial stock trading at $52.61 per share, the total value of C & F Financial stock (market capitalization) is $177.48M.

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 25 years would have been 150.52%, for an annualized return of 3.74% (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 $52.61 today (as of Mar 1, 2024).

What is C & F Financial's Market Cap?

(NASDAQ: CFFI) C & F Financial's market cap is $177.48M, as of Mar 5, 2024.

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 $52.61 by CFFI's total outstanding shares of 3,373,503.
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