C&F Financial Corporation (CFFI) | Investment Case

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.

Show Full description

1.b. Last Insights on CFFI

C&F Financial's recent momentum is driven by loan expansion, higher net interest margin, and solid performance across banking segments. The company reported consolidated net income of $6.7 million for Q4 2025, up from $6.0 million in Q4 2024. Additionally, the appointment of Dr. David H. Downs to the Board of Directors is expected to bring fresh perspectives and expertise, further bolstering the company's growth prospects.

1.c. Company Highlights

Last Price	76.6
Change Percentage	0.72%
Open	75.47
Previous Close	76.05
Market Cap ( Millions)	248
Volume	2398
Year High	81
Year Low	53.14
M A 50	73.81
M A 200	68.9

FCF Yield	8.34%
Dividend Yield	2.40%
ROE	10.84%
Debt / Equity	43.20%
Net Debt / EBIDTA	314.62%
Price To Book	0.95
Price Earnings Ratio	9.24
Price To FCF	11.99
Price To sales	1.35
EV / EBITDA	10.03

2. Transcript Summary

Unfortunately this company is not part of our coverage yet. But as part of your subscription plan you can request it by clicking just below and we'll process.

Request Coverage

3. NewsRoom

C&F Financial (NASDAQ:CFFI) Stock Price Crosses Above 200 Day Moving Average – Time to Sell?

Feb -05

Source: defenseworld.net

C&F Financial Q4 Earnings Rise Y/Y on Loan Growth, Margin Gains

Feb -02

Source: zacks.com

C&F Financial Corporation Announces Net Income for 2025

Jan -27

Source: globenewswire.com

C&F Financial Corporation Announces Appointment of New Board Member

Jan -23

Source: globenewswire.com

C&F Financial (NASDAQ:CFFI) Stock Passes Below 200 Day Moving Average – Time to Sell?

Jan -14

Source: defenseworld.net

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

Nov -21

Source: defenseworld.net

C&F Financial Corporation Announces Quarterly Dividend

Nov -19

Source: globenewswire.com

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

Oct -28

Source: zacks.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

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

Strong Liquidity

Low Deb

Strong Interest Coverage

Healthy Cash Flow

Operating Efficiency

Strong Return On Equity

Consistent Revenue Growth

Consistent Operating Cash Flow Growth

Margin Improvement

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Alerus Financial

A-Score: 5.9/10

Value: 6.7

Growth: 3.0

Quality: 6.3

Yield: 7.0

Momentum: 5.0

Volatility: 7.7

1-Year Total Return ->

C&F Financial

A-Score: 5.6/10

Value: 7.4

Growth: 4.7

Quality: 6.1

Yield: 6.0

Momentum: 3.5

Volatility: 6.0

1-Year Total Return ->

First Northwest Bancorp

A-Score: 5.5/10

Value: 9.3

Growth: 5.4

Quality: 3.8

Yield: 4.0

Momentum: 3.5

Volatility: 7.0

1-Year Total Return ->

Metropolitan Bank

A-Score: 5.5/10

Value: 6.9

Growth: 8.0

Quality: 5.7

Yield: 0.0

Momentum: 7.0

Volatility: 5.3

1-Year Total Return ->

First Internet

A-Score: 4.4/10

Value: 9.8

Growth: 6.7

Quality: 3.8

Yield: 2.0

Momentum: 0.0

Volatility: 4.0

1-Year Total Return ->

Kentucky First Federal

A-Score: 4.3/10

Value: 3.1

Growth: 1.9

Quality: 4.6

Yield: 4.0

Momentum: 10.0

Volatility: 2.3

1-Year Total Return ->

Peers Metrics

12.e Scoring ^Insights

12.f DCF ^BETA

Parameters

Short Term Growth

3.85%

Short term Time

10.0

Long-Term Growth

2.00%

WACC

5.95%

C&F Financial Corporation - US12466Q1040

1. Company Snapshot

1.a. Company Description

1.b. Last Insights on CFFI

1.c. Company Highlights

Weak Momentum

Cheaper

Medium Volatility

Fairly Valued

Average Quality

Average Yield

Stable Momentum

Lower Quality

Strong Momentum

Average Growth

2. Transcript Summary

3. NewsRoom

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%

Consumer Finance

Expected Growth: 5.5%

Mortgage Banking

Expected Growth: 5.5%

Eliminations

Expected Growth: 4.5%

Other

Expected Growth: 4.5%

7. Detailed Products

Retail Banking

Commercial Banking

Mortgage Banking

Consumer Finance

Wealth Management

8. C&F Financial Corporation's Porter Forces

Forces Ranking

Threat Of Substitutes

Bargaining Power Of Customers

Bargaining Power Of Suppliers

Threat Of New Entrants

Intensity Of Rivalry

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

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

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

76.6$

Current Price

76.6$

Potential

-0.00%

Expected Cash-Flows

12.e Scoring ^Insights

12.f DCF ^BETA