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Company Analysis

C&F Financial Corporation CFFI

A comprehensive view of key metrics, scores, and financial health for C&F Financial Corporation

Overview of C&F Financial Corporation

CFFI NMS
Financial Services Banks - Regional Micro Cap
C&F Financial Corporation (CFFI), is a Micro Cap company, in the Banks - Regional industry, last closed at $71.50, about 13.2% undervalued vs fair value, -2.6% 1Y return, ranked 611/1004 in sector.
$71.50
0.42%
As of March 13, 2026
Previous close • Vol 90d: 32.3%
52-Week Range
Market Cap
$232.79M
Enterprise Value
$250.03M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.cffc.com
HQ Toano, VA
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$45
$81
$152
Current: $71.50 +13% vs base

Engine Room Money Flow™

Micro Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$139.6M
12.5%%
Interest Expense
$45.3M
Net Interest Income
$96.8M
-1%%
Total Revenue
$186.1M
50.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
8.8%
Fair

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$14.5M
73.3% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating C&F Financial Corporation's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
49
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
42
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing CFFI's balance between Growth (39.5%), Profitability (27.7%), and Safety (32.8%). Growth 39% Safety 33% Profitability 28%

Click axes to expand details. Marker shows current allocation.

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Growth

52th percentile vs peers
53
Key Signals
Asset Growth YoY 8.0% 71p Rev Growth YoY 50.5% 42p Revenue CAGR 3Y 17.2% 46p
Strengths

No notable strengths identified for this axis.

Risks

No significant risks identified for this axis.

Profitability

37th percentile vs peers
37
Key Signals
Strengths
Risks
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Safety

43th percentile vs peers
44
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for C&F Financial Corporation.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$80.97
- - -
+13.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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