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C&F Financial Corporation (CFFI) Fair Value & Analysis

Financial Services · US · Market cap $255M

Price$79.74
Fair Value$107.20
Upside+34.4%
Quality95/100
Evidence: High Range $80.40 – $134.00

Fair value as of: Jun 26, 2026

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Analysis

C&F Financial Corporation (CFFI) currently trades at $79.74, while our model-based Fair Value estimate is $107.20 — implying the stock looks roughly 34.4% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

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. 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 lo…

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Frequently asked questions

Is C&F Financial Corporation (CFFI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of $107.20 versus a price of $79.74 — about +34% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CFFI?
Our 21-model fair value for C&F Financial Corporation is $107.20 (as of Jun 26, 2026), built from audited fundamentals. The current price is $79.74.
What is the quality score of CFFI?
C&F Financial Corporation has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data — nothing guessed.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.