US · CFFI
C&F Financial Corporation
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Toano, VA 23168
- Website
- cffc.com
Price · as of 2025-12-31
$76.01
Market cap 235.81M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $334.57 | +340.17% |
| Intrinsic Value(DCF) | $132.87 | +74.81% |
| Graham-Dodd Method(GD) | $122.47 | +61.13% |
| Graham Formula(GF) | $160.94 | +111.74% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $19.71 | $1,251.24 | $24.62 | $28.69 | $0.00 |
| 2012 | $26.75 | $41.39 | $29.17 | $36.75 | $76.52 |
| 2013 | $25.73 | $21.56 | $32.76 | $34.15 | $53.77 |
| 2014 | $25.76 | $122.32 | $44.52 | $32.36 | $43.36 |
| 2015 | $28.70 | $147.30 | $55.44 | $34.42 | $36.30 |
| 2016 | $34.89 | $18.70 | $40.66 | $36.23 | $58.52 |
| 2017 | $40.14 | $32.81 | $40.43 | $25.98 | $17.49 |
| 2018 | $40.47 | $43.80 | $44.06 | $43.89 | $44.80 |
| 2019 | $35.72 | $359.73 | $48.32 | $48.59 | $76.84 |
| 2020 | $42.87 | $44.31 | $62.80 | $53.72 | $158.27 |
| 2021 | $44.33 | $856.92 | $108.75 | $67.52 | $22.06 |
| 2022 | $52.93 | $93.55 | $126.07 | $65.37 | $0.00 |
| 2023 | $49.06 | $103.83 | $124.07 | $64.45 | $197.85 |
| 2024 | $68.72 | $55.42 | $68.77 | $64.74 | $113.25 |
| 2025 | $74.71 | $334.57 | $190.75 | $122.47 | $160.94 |
AI valuation
Our deep-learning model estimates C&F Financial Corporation's (CFFI) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $334.57
- Current price
- $76.01
- AI upside
- +340.17%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$132.87
+74.81% upside
Graham-Dodd
$122.47
+61.13% upside
Graham Formula
$160.94
+111.74% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| CFFI | C&F Financial Corporation | $76.01 | 235.81M | +340% | +75% | +61% | +112% | 8.96 | 0.92 | 1.30 | 10.74 | 23.62 | 0.92 | 69.46% | 17.77% | 14.42% | 11.05% | 9.11% | 1.01% | 0.43 | 0.73 | — | — | 3.43 | 3794.00% | 1178.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 0.00% | 10.74 | — | 1.91 | 0.16 |
| BPRN | Princeton Bancorp, Inc. | $33.97 | 229.84M | +414% | -31% | +51% | +11% | 12.49 | 0.86 | 1.67 | -1.86 | 16.69 | 0.92 | 55.83% | 17.04% | 13.39% | 6.99% | 72.14% | 0.81% | 0.00 | 0.43 | 1.93 | 1.93 | -5.73 | 7484.00% | 602.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 53.77% | -1.86 | — | -0.32 | 0.79 |
| FSFG | First Savings Financial G… | $33.98 | 238.37M | -14% | -33% | -25% | -27% | 14.76 | 1.13 | 1.49 | 14.70 | 22.24 | 1.22 | 50.14% | 10.87% | 10.11% | 8.29% | 5.13% | 0.57% | 1.98 | 0.23 | 0.17 | 0.17 | 17.53 | 6639.00% | 458.00% | 20371.00% | 45.11% | 0.05 | 34.19% | 2.02% | 29.80% | 43.26% | 17.08 | 2.76 | 1.86 | -0.55 |
| FUNC | First United Corporation | $35.47 | 230.45M | +27% | -22% | -18% | +117% | 9.83 | 1.13 | 1.81 | 7.73 | 24.57 | 1.21 | 68.75% | 24.36% | 18.40% | 12.06% | 10.55% | 1.06% | 1.05 | 0.85 | 0.10 | 0.10 | 3.53 | 4000.00% | 1694.00% | -795.00% | 10.07% | 0.01 | 10.44% | 2.66% | 26.10% | 4.65% | 8.81 | 11.79 | 2.15 | -0.60 |
| FVCB | FVCBankcorp, Inc. | $15.44 | 279.08M | +354% | -1% | +30% | +35% | 12.68 | 1.10 | 2.29 | 4.94 | 26.67 | 1.14 | 53.93% | 23.15% | 18.07% | 9.02% | 24.85% | 0.98% | 0.07 | 0.52 | 0.14 | 0.14 | 0.46 | 4756.00% | 937.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 4.94 | — | 1.14 | -0.32 |
| HWBK | Hawthorn Bancshares, Inc. | $32.99 | 227.55M | +708% | +32% | +23% | +6% | 9.95 | 1.44 | 2.11 | 8.14 | 31.67 | 1.44 | 71.33% | 25.96% | 21.23% | 15.14% | 26.97% | 2.61% | 0.00 | 0.92 | — | — | 0.00 | 3142.00% | 220.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 34.07% | 8.14 | — | 2.11 | — |
| ISTR | Investar Holding Corporat… | $28.23 | 277.81M | +86% | -29% | -12% | +36% | 8.32 | 0.70 | 1.08 | 8.56 | 39.08 | 0.84 | 54.87% | 15.59% | 12.94% | 8.65% | 17.91% | 0.73% | 0.42 | 0.33 | 0.02 | 0.02 | 2.66 | 2130.00% | 1096.00% | -3874.00% | 9.15% | 0.01 | 13.64% | 2.36% | 19.60% | 2.54% | 9.65 | 15.27 | 1.50 | -0.82 |
| LCNB | LCNB Corp. | $16.99 | 241.03M | +415% | -14% | +25% | -31% | 10.55 | 0.89 | 1.96 | 3.96 | 15.50 | 1.40 | 72.26% | 22.66% | 18.61% | 8.77% | 10.99% | 1.02% | 0.43 | 0.87 | 0.55 | 0.55 | 3.55 | 6804.00% | -94.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 10.44% | 3.96 | — | 0.90 | 0.16 |
| MYFW | First Western Financial, … | $25.29 | 245.69M | +9% | -7% | +19% | -31% | 18.30 | 0.91 | 1.30 | 14.64 | 33.88 | 1.03 | 52.50% | 9.65% | 7.08% | 5.09% | 6.26% | 0.43% | 0.41 | 0.21 | 0.03 | 0.03 | 4.88 | 5402.00% | 483.00% | 239.00% | -0.75% | 0.00 | -0.81% | 0.24% | 4.40% | 0.56% | 16.32 | -163.22 | 1.58 | -0.75 |
| OVLY | Oak Valley Bancorp | $32.00 | 268.42M | +54% | +27% | -5% | -1% | 8.16 | 1.11 | 2.28 | -0.30 | — | 1.13 | 87.43% | 35.99% | 27.89% | 14.28% | -8.88% | 1.33% | 0.00 | 2.50 | 0.13 | 0.13 | -4.16 | -1947.00% | 247.00% | -2345.00% | 11.71% | 0.02 | -8.49% | 1.84% | 15.00% | 1.92% | -0.31 | -0.41 | -0.11 | -0.63 |
| VABK | Virginia National Banksha… | $38.72 | 208.82M | +473% | -20% | +31% | -18% | 11.24 | 1.18 | 2.60 | 10.25 | 88.55 | 1.25 | 68.95% | 28.90% | 23.11% | 11.18% | 10.28% | 1.18% | 0.20 | 0.94 | 0.01 | 0.01 | 1.25 | 1270.00% | 88.00% | -10000.00% | 0.00% | 0.00 | 0.00% | 0.00% | 0.00% | 0.00% | 10.25 | — | 2.96 | -0.22 |
About C&F Financial Corporation
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.
- CEO
- Thomas F. Cherry
- Employees
- 545
- Beta
- 0.35
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($132.87 ÷ $76.01) − 1 = +74.81% (DCF, example).