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1. Company Snapshot

1.a. Company Description

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.

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1.b. Last Insights on CFFI

C&F Financial Corporation's recent performance was driven by a significant increase in net income, which rose 54.3% to $7.8 million in Q2 2025 compared to Q2 2024. The company's expansion into Southwest Virginia with a seasoned team is expected to boost commercial banking operations. Additionally, the declaration of a regular cash dividend of 46 cents per share provides shareholders with a steady income stream. The company's strong earnings growth and strategic expansion position it for continued success. Its recent earnings release showed a consolidated net income of $13.2 million for the first six months of 2025.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Contrasting Thomasville Bancshares (OTCMKTS:THVB) and C&F Financial (NASDAQ:CFFI)

Nov -21

Source: defenseworld.net

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C&F Financial Corporation Announces Quarterly Dividend

Nov -19

Source: globenewswire.com

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C&F Financial Q3 Profit Jumps 31% on Loan Growth and Margin Gains

Oct -28

Source: zacks.com

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Zacks Initiates Coverage of CFFI With Outperform Recommendation

Oct -27

Source: zacks.com

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C&F Financial Corporation Announces Net Income for Third Quarter and First Nine Months

Oct -23

Source: globenewswire.com

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A Turnaround Is Brewing At C&F Financial

Sep -01

Source: seekingalpha.com

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C&F Financial Corporation Announces Quarterly Dividend

Aug -20

Source: globenewswire.com

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C&F Financial Corporation Announces Net Income for Second Quarter and First Six Months

Jul -24

Source: globenewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (4.78%)

6. Segments

Community Banking

Expected Growth: 4.5%

Growing demand for personalized banking services, increasing adoption of online banking, and rising need for loans and deposit accounts among individuals and small businesses drive the growth of community banking.

Consumer Finance

Expected Growth: 5.5%

Growing demand for personal loans and credit products, increasing consumer spending, and competitive interest rates drive the consumer finance segment's growth.

Mortgage Banking

Expected Growth: 5.5%

Increasing demand for housing, low interest rates, and government incentives for first-time homebuyers drive growth in the mortgage banking segment. C&F Financial Corporation's competitive rates and personalized service position it for success in this growing market.

Eliminations

Expected Growth: 4.5%

Consolidated financial statements of C&F Financial Corporation will experience steady growth driven by increasing demand for accurate financial reporting, stringent regulatory requirements, and the need for transparent financial disclosures.

Other

Expected Growth: 4.5%

The 'Other' segment of C&F Financial Corporation is expected to grow driven by increasing investment income, expansion of fee-based services, and diversification of miscellaneous revenue streams, leading to a forecasted CAGR of 4.5%.

7. Detailed Products

Retail Banking

C&F Financial Corporation offers a range of retail banking services, including checking and savings accounts, credit cards, personal loans, and mortgages.

Commercial Banking

The company provides commercial banking services, including business checking and savings accounts, commercial loans, and cash management services.

Mortgage Banking

C&F Financial Corporation offers mortgage banking services, including residential and commercial mortgage lending, and mortgage servicing.

Consumer Finance

The company provides consumer finance services, including indirect automobile lending and personal loans.

Wealth Management

C&F Financial Corporation offers wealth management services, including investment and insurance products, and financial planning.

8. C&F Financial Corporation's Porter Forces

Forces Ranking

Threat Of Substitutes

C&F Financial Corporation operates in a niche market with limited substitutes, reducing the threat of substitutes.

Bargaining Power Of Customers

C&F Financial Corporation's customers have limited bargaining power due to the company's strong brand reputation and limited alternatives.

Bargaining Power Of Suppliers

C&F Financial Corporation's suppliers have moderate bargaining power due to the company's dependence on a few key suppliers.

Threat Of New Entrants

C&F Financial Corporation operates in a highly regulated industry, making it difficult for new entrants to enter the market.

Intensity Of Rivalry

C&F Financial Corporation operates in a highly competitive market with many established players, leading to intense rivalry.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 33.20%
Debt Cost 5.95%
Equity Weight 66.80%
Equity Cost 5.95%
WACC 5.95%
Leverage 49.69%

11. Quality Control: C&F Financial Corporation passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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C&F Financial

A-Score: 6.3/10

Value: 7.7

Growth: 4.7

Quality: 6.1

Yield: 6.0

Momentum: 7.5

Volatility: 5.7

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Metropolitan Bank

A-Score: 5.8/10

Value: 7.6

Growth: 8.0

Quality: 6.5

Yield: 0.0

Momentum: 8.0

Volatility: 4.7

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Alerus Financial

A-Score: 5.5/10

Value: 5.9

Growth: 3.0

Quality: 5.8

Yield: 7.0

Momentum: 3.5

Volatility: 7.7

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First Northwest Bancorp

A-Score: 5.2/10

Value: 9.4

Growth: 5.6

Quality: 4.0

Yield: 5.0

Momentum: 1.5

Volatility: 6.0

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First Internet

A-Score: 4.4/10

Value: 9.6

Growth: 6.7

Quality: 3.7

Yield: 2.0

Momentum: 0.5

Volatility: 3.7

1-Year Total Return ->

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Kentucky First Federal

A-Score: 4.3/10

Value: 4.8

Growth: 1.9

Quality: 4.1

Yield: 4.0

Momentum: 8.5

Volatility: 2.7

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

68.14$

Current Price

68.14$

Potential

-0.00%

Expected Cash-Flows