C&F Financial Corporation (CFFI)

C&F Financial Corporation is a bank holding company listed on NASDAQ under the ticker CFFI. Through Citizens and Farmers Bank, it provides banking services to individuals and businesses and operates across three business segments: Community Banking, Mortgage Banking, and Consumer Finance. Its community banking activities include deposit accounts, a range of loan products, ATM access, digital banking tools, debit cards, safe deposit box rentals, notarization, electronic transfers, and related bank services. The company also has wealth management activities and equity interests in an independent insurance agency and a title and settlement agency. In mortgage banking, it originates residential loans for sale into the secondary market and offers origination and production-related services to third parties. Its consumer finance segment provides automobile financing through lending programs for prime and non-prime customers. Founded in 1927, C&F Financial Corporation is based in Toano, Virginia.


Jump directly to the stock analysis sections supported by the latest available data.

Data update note: Fair value and stock analysis metrics are updated after regular market sessions when new data becomes available.
Ticker Fair Value Fair Value Upside/Downside Fair Value Rating Analyst Price Target Analyst Target Upside/Downside Analyst Target Rating Overall Financial Health Dividend Yield P/E Ratio Price-to-Book Ratio Price-to-Sales Ratio Market Cap Total Debt / Total Capital Free Float / Shares Outstanding Altman Z-Score Payout Ratio Free Cash Flow / Net Income
NASDAQ-CFFI
$92.99
-13.4% Downside
Fair
$115
7.1% Upside
Fair
Good
1.8%
12.0x
1.3x
2.6x
349 M
25.7%
93.1%
-1.5
21.0%
132.6%
Valuation • Fair Value

C&F Financial Corporation (NASDAQ-CFFI) Fair Value by Valuation Model

Review the available estimates for C&F Financial Corporation (NASDAQ-CFFI), including Ben Graham Formula Value, Comps Fair Value.

Primary Valuation Read

Fair Value

$92.99

Estimated downside of 13.4% versus the current market price.

Fair Value Confidence

Med

Confidence level for the primary fair value estimate.

Ben Graham Formula Value

$99.25

Classic Ben Graham valuation formula reference.

Comps Fair Value

$92.99

Comparable-company valuation reference.

Analyst Price Target

$115

Analysts imply upside of 7.1%.

How to read these valuation models

Use the 5 available valuation references for C&F Financial Corporation (NASDAQ-CFFI) as analytical inputs, not a standalone conclusion. Valuation methods can differ because they rely on different assumptions, time horizons and financial inputs; compare the estimates with the current price and the company’s financial quality.

Profitability • Growth

Profitability & Growth for C&F Financial Corporation (NASDAQ-CFFI)

Review the profitability and growth indicators currently supported by the latest data.

Revenue

136.3 M

Current operating scale indicator.

Revenue Forecast

158.8 M

Forward revenue estimate.

EBITDA

0 K

Current operating profitability reference.

How to read profitability and growth

This section helps investors review C&F Financial Corporation (NASDAQ-CFFI) from an operating perspective by combining current scale, forward revenue expectations and EBITDA-related profitability measures.

Quality • Risk

Quality & Financial Risk for C&F Financial Corporation (NASDAQ-CFFI)

Review the financial quality and risk indicators currently supported by the latest data.

Financial Health

Good

Positive financial-health read.

Piotroski Score

6

Mid-range quality score.

Altman Z-Score

-1.5

Lower score that deserves closer risk review.

FCF / Net Income

132.6%

Cash conversion quality indicator.

How to read quality and risk

This section combines quality, balance-sheet and accounting-risk indicators for C&F Financial Corporation (NASDAQ-CFFI). Read the metrics together: no single score is a complete investment conclusion, but the combined view can highlight financial strength, earnings quality and areas that may deserve closer review.

Events • Dividends

Dividend Profile for C&F Financial Corporation (NASDAQ-CFFI)

Review the dividend metrics currently supported by the latest data.

Dividend Yield

1.8%

Current income yield reference.

Payout Ratio

21.0%

Dividend payout reference.

How to read events and dividends

Review the currently available dividend data for C&F Financial Corporation (NASDAQ-CFFI). No upcoming company event date is included in the latest data.

Stock Forecast • Technical Outlook

C&F Financial Corporation (NASDAQ-CFFI) Stock Forecast & Technical Outlook

Review C&F Financial Corporation (NASDAQ-CFFI) across multiple technical time frames, alongside analyst recommendation data, to form a faster read on market positioning and near-term sentiment.

Technical Signals by Time Frame

Switch between time frames to review the current technical signal for the stock.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 15-minute • intraday
Strong Buy

The 15-minute technical read for C&F Financial Corporation (NASDAQ-CFFI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: 1-hour • short-term
Strong Buy

The 1-hour technical read for C&F Financial Corporation (NASDAQ-CFFI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: daily • daily
Strong Buy

The daily technical read for C&F Financial Corporation (NASDAQ-CFFI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: weekly • weekly
Strong Buy

The weekly technical read for C&F Financial Corporation (NASDAQ-CFFI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Strong Sell Sell Neutral Buy Strong Buy
Time frame: monthly • monthly
Strong Buy

The monthly technical read for C&F Financial Corporation (NASDAQ-CFFI) is currently Strong Buy. Use it as a timing signal only, and compare it with valuation, fundamentals and upcoming events before drawing a broader view.

Analyst Consensus for C&F Financial Corporation (NASDAQ-CFFI)

A consolidated view of buy, hold and sell recommendations based on the currently available analyst data.

Strong Sell Sell Neutral Buy Strong Buy
Consolidated analyst recommendation mix
Strong Buy

Based on the available recommendation mix, C&F Financial Corporation (NASDAQ-CFFI) has a Strong Buy consensus, with 1 buy, 0 hold and 0 sell recommendations in the current data set.

Buy 1
Hold 0
Sell 0
FAQ • Fast Investor Answers

C&F Financial Corporation (NASDAQ-CFFI) Stock FAQ

Data-supported answers about C&F Financial Corporation (NASDAQ-CFFI), including explicit coverage status where a reliable valuation estimate is not currently available.

Fair Value
$92.99
Estimated downside 13.4%
Valuation Rating
Overvalued
Estimated downside of 13.4%
Analyst Target
$115
Implied upside 7.1%
Financial Health
Good
Current financial-health read

The current fair value estimate for C&F Financial Corporation (NASDAQ-CFFI) is $92.99. This implies an estimated downside of 13.4% versus the current market price.

Based on the current fair value estimate, the stock appears overvalued, with estimated downside of 13.4% versus the current market price.

The available analyst price target for C&F Financial Corporation (NASDAQ-CFFI) is $115. The analyst target implies estimated upside of 7.1%.

The current financial health read for C&F Financial Corporation (NASDAQ-CFFI) is Good. This should be reviewed alongside valuation, profitability, debt and cash-flow quality metrics.

Based on the current data, dividend yield is 1.8%.

The current P/E ratio listed for C&F Financial Corporation (NASDAQ-CFFI) is 12.0x. Use it together with growth, margins and sector comparisons rather than as a standalone valuation signal.

The current market capitalization listed for C&F Financial Corporation is 349 M.

The ticker symbol for C&F Financial Corporation is NASDAQ-CFFI, and the stock is listed on NASDAQ.

C&F Financial Corporation (NASDAQ-CFFI) is listed on NASDAQ.

The current debt-to-total-capital ratio listed for C&F Financial Corporation is 25.7%, which helps investors evaluate the company’s financing structure and leverage profile.

The free float listed for C&F Financial Corporation is 93.1%. Free float helps investors understand how much of the share base is available for public trading.