Is C&F Financial Corporation (CFFI) Overvalued?
We dive into why C&F Financial Corporation (CFFI) could be considered overvalued on 2026-08-18, based on AAII’s Value Score and Grade.Jenna Brashear
A+ Stock Grade Summary:
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COMPANY SUMMARY
C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. It operates through three segments: Community Banking, Mortgage Banking, and Consumer Finance. The Community Banking segment offers various banking services, such as checking and savings deposit accounts; and business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet and mobile banking, peer-to-peer payment capabilities, debit cards, safe deposit box rentals, notary public, electronic transfer, and other customary bank services, as well as wealth management services; and engages in owning equity interests in an independent insurance agency, and a full-service title and settlement agency. The Mortgage Banking segment offers various residential mortgage loans, which are originated for sale to investors in the secondary mortgage market; 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. This segment also provides mortgage loan origination functions as a service to third party mortgage lenders and other community banks; and ancillary mortgage loan production services to third parties for residential appraisals. The Consumer Finance segment offers automobile financing through lending programs to serve customers in both the prime and non-prime markets. C&F Financial Corporation was founded in 1927 and is based in Toano, Virginia.
Commentary & Analysis
Why C&F Financial Corporation’s (CFFI) Stock Is Down 6.08%
As of Thursday, June 25, C&F Financial Corporation’s CFFI share price has dipped by 6.08%, which has investors questioning if this is right time to buy.Jenna Brashear
Why C&F Financial Corporation’s (CFFI) Stock Is Down 6.75%
As of Monday, May 11, C&F Financial Corporation’s CFFI share price has dipped by 6.75%, which has investors questioning if this is right time to buy.Rosalio Madrigal
Why C&F Financial Corporation’s (CFFI) Stock Is Up 8.11%
As of Thursday, May 07, C&F Financial Corporation’s CFFI share price has surged by 8.11%, which has investors questioning if this is right time to sell.Jenna Brashear
6 Undervalued Banks Stocks for Friday, March 27
Discover the top 6 undervalued Banks stocks for Friday, March 27 based on AAII’s Stock Grades.Jenna Brashear
Financial Summary
| Share Statistics | CFFI | Industry Median |
Percentile (All Stocks) |
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| Market Cap (Mil) | $276.2 | $745.4 | 30% |
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| Shares Out (Mil) | 3.3 | 15.3 | 10% |
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| Institutional Ownership | 85.5% | 83.2% | 53% |
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| Float (Mil) | 3.0 | 21.8 | 8% |
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| Beta | 0.33 | 0.42 | 19% |
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| Avg Daily Volume (000s) | 10 | 45 | 17% |
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| Price Change (52-week) |
24.8% | 94.6% | 65% |
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| Growth | CFFI | Industry Median |
Percentile (All Stocks) |
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| Sales (5yr) | 0.3% | 7.7% | 18% |
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| Net Income (5yr) | 3.9% | 11.1% | 45% |
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| EPS (5yr) | 6.5% | 10.1% | 41 |
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| Dividends (5yr) | 3.9% | 3.6% | 89% |
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| Cash Flow (5yr) | 17.0% | (17.1%) | 76% |
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| Estimates | Qtrly | Current Fiscal Year |
Next Fiscal Year |
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| # of Estimates | na | na | na | |
| Current EPS | na | na | na | |
| Month Ago EPS | na | na | na | |
| # Rev Up | na | na | na | |
| # Rev Down | na | na | na | |
| Three Months Ago EPS | na | na | na | |
| Year/Year Chg | na | na | na | |
| Financials | CFFI | Industry Median |
Percentile (All Stocks) |
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| Sales (TTM) (Mil) | $136 | $196 | 29% |
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| Net Income (TTM) (Mil) | $29 | $55 | 51% |
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| EPS (TTM) | $8.965 | $2.600 | 93% |
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| Operating Cash Flow (TTM) (Mil) | $43 | $35 | 45% |
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| Net Cash Flow (TTM) (Mil) | ($18) | $2 | 27% |
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| Long-Term Debt (Q1) (Mil) | $118 | $100 | 45% |
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| Enterprise Value (Q1) (Mil) | na | $0 | na |
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| Valuation | CFFI | Industry Median |
Percentile (All Stocks) |
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| P/B | 0.99 | 1.25 | 21% |
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| P/E | 9.5 | 12.4 | 15% |
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| Dividend Yield | 2.3% | 2.2% | 79% |
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| PEG (5yr hist) | 1.5 | 1.1 | 58% |
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| Ratios | CFFI | Industry Median |
Percentile (All Stocks) |
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| Gross Margin | na | 63.7% | na |
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| Net Margin | 21.3% | 29.1% | 80% |
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| ROA | 1.1% | 1.1% | 48% |
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| ROE | 11.2% | 11.3% | 60% |
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| Liabilities to Assets | 90.1% | 89.7% | 86% |
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| F-Score | 4 | 4 | 33% |
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Passing Stock Screens
As of 8/21/2026, from a list of 60 stock screening strategies,
GURU STRATEGY
Graham--Defensive Investor (Utility) Screen
Factors: Yield, Value, Quality, Industry/Sector
Graham's approach leads to three separate screens that focus on the concept of intrinsic value, justified by a firm's financial strength.
| Performance Since Inception: | 6.9% |
| +/- S&P 500: | -0.6 |
