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C&F Financial Corporation (CFFI) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of C&F Financial Corporation stock $76.90, price $105, that is 26.8% below the price, quality 55 out of 100. Rating: overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services US

CF C&F Financial Corporation logo Broad data Nov 5, 2026

C&F Financial Corporation

CFFI · US
Solid, but expensive

Our calculation puts a fair price 27% below what the stock costs today.

Healthy Growth (revenue 5y +4.7 %/yr in USD)
Highly profitable · 21.3% net margin (TTM)
1.8% dividend yield · Low payout
Broad data
Quality 55/100
Moderate moat 61/100 · thin data
Neutral coverage
Insiders sold $833,450 (6M)
Fair value $76.90 · Overvalued
Trails peers (4/14)
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$112.23 $32.53 Fair Value $76.90 Jul 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.

How to read this chart

60‑month range $32.53 – $112.23 · fair‑value band $69.90 – $94.96 · the $105.12 price screens above the $76.90 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.

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Company profile

C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. It operates through three segments: Community Banking, Mortgage Banking, and Consumer Finance.

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The Community Banking segment offers various banking services, such as checking and savings deposit accounts; and business, real estate, development, mortgage, home equity, and installment loans.

This segment also provides ATMs, Internet and mobile banking, peer-to-peer payment capabilities, debit cards, safe deposit box rentals, notary public, electronic transfer, and other customary bank services, as well as wealth management services; and engages in owning equity interests in an independent insurance agency, and a full-service title and settlement agency.

The Mortgage Banking segment offers various residential mortgage loans, which are originated for sale to investors in the secondary mortgage market; 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.

This segment also provides mortgage loan origination functions as a service to third party mortgage lenders and other community banks; and ancillary mortgage loan production services to third parties for residential appraisals.

The Consumer Finance segment offers automobile financing through lending programs to serve customers in both the prime and non-prime markets. C&F Financial Corporation was founded in 1927 and is based in Toano, Virginia.

Stock analysis

C&F Financial Corporation (CFFI) currently trades at $105.12, while our model-based Fair Value estimate is $76.90, 27% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $96.31 per share, and 1 of the 6 models we run sit above the $105.12 price.

Bear case: the Dividend Discount group reads lowest at $27.57, and 5 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: $69.90 (bear) to $94.96 (bull), the price of $105.12 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 55/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

C&F Financial Corporation reported revenue of $186M in FY2025 versus $140M in FY2021, a compound +7.4%/yr. Reported net income was $26.8M in FY2025, compounding −1.6%/yr from FY2021.

Key figures

Market cap $342M Small · P/E ratio 11.7 · P/S ratio 2.51 · EPS (TTM) $8.96 · Dividend yield 1.8% · Net margin 21.3% · Return on equity 11.3% · Return on assets (EBIT) 1.3% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 61 out of 100 (low confidence).

What moves the price

The share trades about 6% below its 52-week high and 61% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −27%, CFFI screens cheaper than that median.

Fair Value models

Bear $69.90 Fair Value $76.90 Bull $94.96
Price $105.12 · Downside -26.8%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($6.07 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income $69.90 $76.90 $94.96 76
Gordon GGM $15.64 $30.39 $44.86 67
DDM Multi-Stage $15.64 $24.74 $32.18 67
All 6 models by family
Dividend Discount
Gordon GGM $15.64 $30.39 $44.86 67
DDM Multi-Stage $15.64 $24.74 $32.18 67
Multiples
P/E Multiple $80.46 $107.28 $134.11 63
P/B Multiple $64.00 $85.33 $106.66 55
Asset-Based
NCAV (Graham) $36.24 $48.56 $72.47 54
Economic Profit
Residual Income $69.90 $76.90 $94.96 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 55/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 28
How much profit the company makes from its sales and capital
Quality Growth 64
Are margins and returns getting better?
Cashflow 57
Do the profits arrive as real cash?
Financial strength 10
Debt, balance sheet and risk of trouble
Investment 73
Does it invest with discipline instead of growing at any price?
Low Volatility 80
How calm the share price moves, does not count
Price momentum 85
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 88
Distance to the 52-week high, does not count
New shares 88
Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, 8 officers or directors sold shares worth $833,450 and none bought.

  • SaleMark A FoxPRESIDENT & CEO C&F MORTGAGE1,000 shares at $111.99$111,990Nov 4, 2026
  • SaleS Dustin CronePRESIDENT & CEO C&F FINANCE900 shares at $94.41$84,969Sep 4, 2026
  • SaleLarry G DillonEXECUTIVE CHAIRMAN, Director2× since Aug 20, 2026: 2,000 shares, avg. $90.54$181,070Sep 4, 2026
  • SaleThomas F CherryPRESIDENT & CEO, Director5× since Feb 26, 2026: 2,389 shares, avg. $78.39$187,264Aug 5, 2026
  • SaleD Anthony PeayDirector425 shares at $85.92$36,516Aug 5, 2026
  • SaleJohn A Seaman IIIEVP, CHIEF CREDIT OFFICER650 shares at $84.61$54,997Aug 3, 2026
  • SaleJason E LongEVP, CHIEF FINANCIAL OFFICER1,360 shares at $75.50$102,680Jun 5, 2026
  • SaleElizabeth R KelleyDirector1,025 shares at $73.00$74,825May 13, 2026

Plus one other filing such as a grant, option exercise or tax withholding. It is not a market purchase or sale.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 73/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+11.8%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+4.7%
Start year 2020 (pandemic). Over 10 years: +5.6% a year
Revenue growth 29 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+9.8%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.
+7.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+5.3%
Dividend (yield on the price)1.8%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.6.5% vs 8.4%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.20% → 18%
Pace: the 5-year rate starts in 2020 (pandemic)

CFFI screens overvalued: fair value 27% below the price. Compare with China Merchants Bank Co →

Earlier news

News mood ⓘNews mood, the average tone of recent news (58 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Neutral
Recent news coverage is roughly neutral, about typical for how stocks are covered.

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 997 stocks

Beats the industry median on 4/14 measures
Overall it trails its industry peers.
Valuation
Quality Score 55 · Below median
Fair Value upside −26.8% · Below median
Profitability
Return on equity (12 months) 11.3% · Above median
Return on assets 1.0% · Above median
Net margin (12 months) 21.3% · Bottom 25%
Operating margin (12 months) 28.4% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 11.6% · Above median
Dividend yield (12 months) 1.8% · Below median
Balance sheet
Debt / equity 0.36× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 11.7× · Pricier than median
P/B 1.31× · Pricier than median
P/S (12 months) 2.51× · Cheaper than median
Price / free cash flow (fiscal year) 15.4× · Pricier than median
EV/EBITDA 9.7× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)58 · sector 47
PAST (return on equity)45 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)36 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs CFFI
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs CFFI
BNP Paribas SA BNP €91.93 €106.01 +15% vs CFFI
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs CFFI
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs CFFI
UniCredit S.p.A UCG €76.80 €50.44 −34% vs CFFI
Mizuho Financial Group MFG $9.40 $5.90 −37% vs CFFI
DBS Group D05 69.72 SGD 40.39 SGD −42% vs CFFI
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs CFFI
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs CFFI

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Cite: Fair Value Calculator (2026). "C&F Financial Corporation Fair Value". https://www.fairvalue-calculator.com/stock/CFFI

Frequently asked questions

Is C&F Financial Corporation (CFFI) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of $76.90 versus a price of $105.12, about 27% lower (overvalued).
What is the fair value of CFFI?
Our model-based fair value for C&F Financial Corporation is $76.90 (as of Nov 5, 2026), built from audited fundamentals. The current price: $105.12.
What is the quality score of CFFI?
C&F Financial Corporation has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for C&F Financial Corporation (CFFI)?
Our model-based price target is the fair value of $76.90 (as of Nov 5, 2026) from 6 valuation models. Cautious scenario $69.90, optimistic scenario $94.96. It is a calculation from audited fundamentals, not an analyst target.
What is the C&F Financial Corporation stock forecast for 2026?
Our models put fair value at $76.90, about 27% lower versus a price of $105.12 (overvalued). Cautious scenario $69.90, optimistic scenario $94.96. The calculation is refreshed regularly with new filings.
What is the revenue of C&F Financial Corporation (CFFI)?
C&F Financial Corporation reported trailing-twelve-month revenue of about $136M (latest available figure, as of Nov 5, 2026).
Does C&F Financial Corporation pay a dividend?
C&F Financial Corporation currently shows a dividend yield of 1.79% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of C&F Financial Corporation (CFFI) and when is the ex-dividend date?
C&F Financial Corporation pays a dividend of $1.88 per share a year, a dividend yield of 1.8%. The last ex-dividend date was Sep 15, 2026. A dividend has been paid every year since at least 1998. The payout ratio is 21.0% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of C&F Financial Corporation (CFFI)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For C&F Financial Corporation it is $76.90 per share (as of Nov 5, 2026), against a price of $105.12. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is C&F Financial Corporation stock overvalued or undervalued in 2026?
As of Nov 5, 2026, CFFI trades above its calculated fair value: price $105.12, fair value $76.90, a gap of about −27% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CFFI?
No. The price is what the market pays today ($105.12); the fair value is what the company's own numbers justify ($76.90). For C&F Financial Corporation the two are $28.22 per share apart. That gap is exactly why we show both numbers side by side.
How much is C&F Financial Corporation worth?
The market values C&F Financial Corporation at about $342M (market capitalisation, as of Nov 5, 2026). Per share that is $105.12; our models calculate a fair value of $76.90 per share.
What do the bullish and bearish scenarios say about CFFI?
Our models span a range for C&F Financial Corporation: cautious scenario $69.90, base $76.90, optimistic $94.96 per share (as of Nov 5, 2026, price $105.12). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CFFI?
C&F Financial Corporation trades at a price-to-earnings ratio of 11.7 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $76.90 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, 6 of the years ex one-offs: 9.4. Other multiples: P/B 1.3, P/S 2.5, EV/EBITDA 9.7.
How solid is the balance sheet of C&F Financial Corporation (CFFI)?
Balance-sheet figures for C&F Financial Corporation (as of Nov 5, 2026): return on equity 11.3%, debt of 0.36 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is CFFI from its 52-week high?
C&F Financial Corporation trades at $105.12, about 6% below its 52-week high of $112.23 and 61% above the low of $65.49 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $76.90 is for.
Which stocks are comparable to C&F Financial Corporation?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is C&F Financial Corporation stock attractive at the current price?
The data as of Nov 5, 2026: price $105.12, calculated fair value $76.90 (−27%), Quality Score 55/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CFFI calculated?
We run C&F Financial Corporation through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of $76.90 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. C&F Financial Corporation itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of C&F Financial Corporation (CFFI)?
The closing price on Nov 6, 2026 was $105.12. Our model-based fair value is $76.90, about 27% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with C&F Financial Corporation right now?
The price sits above even our optimistic bull case ($94.96). The favourable scenario is already priced in. Solid but not exceptional quality (55/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of C&F Financial Corporation (CFFI) come from?
Earnings per share at C&F Financial Corporation grew +7.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +5.2 %, EBIT margin +0.8 %, tax rate +1.3 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of C&F Financial Corporation

How large is the market capitalisation of C&F Financial Corporation (CFFI)?
The market capitalisation of C&F Financial Corporation is $342M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of C&F Financial Corporation (CFFI)?
The price-to-sales ratio of C&F Financial Corporation is 2.51 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of C&F Financial Corporation (CFFI)?
Earnings per share at C&F Financial Corporation are $8.96 (price ÷ EPS = P/E 11.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of C&F Financial Corporation (CFFI)?
The dividend yield of C&F Financial Corporation is 1.8% (payout 21.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of C&F Financial Corporation (CFFI)?
The net margin of C&F Financial Corporation is 21.3% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of C&F Financial Corporation (CFFI)?
The return on equity (ROE) of C&F Financial Corporation is 11.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of C&F Financial Corporation (CFFI)?
On an EBIT basis the return on assets of C&F Financial Corporation is 1.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of C&F Financial Corporation (CFFI)?
The operating margin of C&F Financial Corporation is 28.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at C&F Financial Corporation (CFFI)?
Revenue at C&F Financial Corporation is growing +11.6% versus a year earlier (3y avg +14.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at C&F Financial Corporation (CFFI)?
Earnings per share at C&F Financial Corporation are growing +10.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does C&F Financial Corporation (CFFI) generate?
The free cash flow of C&F Financial Corporation is $22.2M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does C&F Financial Corporation (CFFI) carry?
The net debt of C&F Financial Corporation is $34.2M (fiscal year 2025, ≈ 1.5 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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