C&F Financial Corporation (CFFI) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
C&F Financial Corporation stock (CFFI) is currently trading at $73.02. C&F Financial Corporation PE ratio is 8.70. C&F Financial Corporation PS ratio (Price-to-Sales) is 1.82. Analyst consensus price target for CFFI is $34.00. WallStSmart rates CFFI as Moderate Buy.
- CFFI PE ratio analysis and historical PE chart
- CFFI PS ratio (Price-to-Sales) history and trend
- CFFI intrinsic value — DCF, Graham Number, EPV models
- CFFI stock price prediction 2025 2026 2027 2028 2029 2030
- CFFI fair value vs current price
- CFFI insider transactions and insider buying
- Is CFFI undervalued or overvalued?
- C&F Financial Corporation financial analysis — revenue, earnings, cash flow
- CFFI Piotroski F-Score and Altman Z-Score
- CFFI analyst price target and Smart Rating
C&F Financial Corporation
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CFFI Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · C&F Financial Corporation (CFFI)
CFFI trades at a significant discount to its Graham intrinsic value of $378.14, offering a 79% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
C&F Financial Corporation (CFFI) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/sales, price/book. Concerns around market cap. Overall metrics suggest strong investment potential with favorable risk/reward.
C&F Financial Corporation (CFFI) Key Strengths (5)
Trading below book value, meaning the market prices it less than net assets
Earnings per share surging 32.10% year-over-year
Keeps $21 of every $100 in revenue as net profit
Strong operational efficiency: $27 kept per $100 revenue
Paying $1.82 for every $1 of annual revenue
Supporting Valuation Data
C&F Financial Corporation (CFFI) Areas to Watch (4)
Micro-cap company with very limited liquidity and high volatility
Moderate profitability with room for improvement
Solid revenue growth at 11.30% per year
Moderate institutional interest at 42.38%
Supporting Valuation Data
C&F Financial Corporation (CFFI) Detailed Analysis Report
Overall Assessment
This company scores 68/100 in our Smart Analysis, earning a B- grade. Out of 9 metrics analyzed, 5 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 5.0/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Book, EPS Growth, Profit Margin. Valuation metrics including Price/Sales (1.82), Price/Book (0.91) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 26.70%, Profit Margin at 20.90%. Growth metrics are encouraging with EPS Growth at 32.10%.
The Bear Case
The primary concerns are Market Cap, Return on Equity, Revenue Growth. Growth concerns include Revenue Growth at 11.30%, which may limit upside. Profitability pressure is visible in Return on Equity at 10.90%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether Market Cap improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 10.90% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 11.30% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Book, EPS Growth) and negatives (Market Cap, Return on Equity). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
CFFI Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
CFFI's Price-to-Sales ratio of 1.82x trades 54% above its historical average of 1.18x (95th percentile), historically expensive. The current valuation is 5% below its historical high of 1.92x set in Feb 2026, and 333% above its historical low of 0.42x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for C&F Financial Corporation (CFFI) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
C&F Financial Corporation is a mature, profitable business with steady cash generation. Revenue reached 125M with 11% growth year-over-year. Profit margins are strong at 20.9%, reflecting pricing power and operational efficiency.
Key Findings
ROE of 1090.0% means the company generates strong returns on shareholder equity. Above 20% is considered top-tier.
Profit margin of 20.9% and operating margin of 26.7% demonstrate strong pricing power and operational efficiency.
What to Watch Next
Dividend sustainability with a current yield of 261.0%. Watch payout ratio and free cash flow coverage.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact C&F Financial Corporation.
Bottom Line
C&F Financial Corporation is a well-established business delivering consistent profitability with 20.9% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About C&F Financial Corporation(CFFI)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
C&F Financial Corporation is the banking holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. The company is headquartered in Toano, Virginia.