C & F Financial Corp
Exchange: NASDAQSector: Financial ServicesIndustry: Banks - Regional
C&F Bank operates 31 banking offices and four commercial loan offices located throughout eastern and central Virginia and offers full wealth management services through its subsidiary C&F Wealth Management, Inc. C&F Mortgage Corporation, and its subsidiary C&F Select LLC provide mortgage loan origination services through offices located in Virginia, Maryland, North Carolina, South Carolina, and West Virginia. C&F Finance Company provides automobile, marine and RV loans through indirect lending programs offered in Alabama, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Minnesota, Missouri, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and West Virginia from its headquarters in Richmond, Virginia.
Current Price
$73.83
+2.54%GoodMoat Value
$171.21
131.9% undervaluedProfile
Valuation (TTM)
Market Cap$240.38M
P/E8.52
EV—
P/B0.92
Shares Out3.26M
P/Sales1.82
Revenue$132.37M
EV/EBITDA6.90
C & F Financial Corp (CFFI) Stock Analysis
Market Cap$240.38M
Current Price$73.83
P/E Ratio8.52
Forward P/E—
PEG Ratio0.34
EPS$8.29
Book Value$80.40
P/B Ratio0.92
CFFI Financial Charts
FCF vs CAPEX
FCFCAPEX
Cash vs Debt
Net Debt: 34M
Revenue
103M
FY19
127M
FY20
135M
FY21
120M
FY22
119M
FY23
114M
FY24
129M
FY25
Net Income
19M
FY19
22M
FY20
29M
FY21
29M
FY22
24M
FY23
20M
FY24
27M
FY25
CFFI 52-Week Range
$57.65
$80.45
50-Day MA: $74.16200-Day MA: $71.11
Did you know?
Price sits at 71% of its 52-week range.
C & F Financial Corp (CFFI) Financial Summary
C & F Financial Corp (CFFI) is a Financial Services company in the Banks - Regional industry, listed on NASDAQ. The stock currently trades at $73.83 with a market capitalization of $240.38M.
Key valuation metrics include a P/E ratio of 8.52, price-to-book ratio of 0.92, and EPS of $8.29. The company reports a profit margin of 21.3% and return on equity of 10.8%.
CFFI Key Financial Metrics
| Metric | Value |
|---|---|
| Market Cap | $240.38M |
| P/E Ratio | 8.52 |
| EPS | $8.29 |
| P/B Ratio | 0.92 |
| P/S Ratio | 1.82 |
| EV/EBITDA | 6.90 |
| Dividend Yield | 2.48% |
| Profit Margin | 21.3% |
| Return on Equity | 10.8% |
| Debt/Equity | 0.43 |
CFFI Revenue & Earnings History
| Year | Revenue | Net Income |
|---|---|---|
| FY19 | $103.38M | $18.86M |
| FY20 | $127.06M | $22.12M |
| FY21 | $134.63M | $28.67M |
| FY22 | $119.50M | $29.16M |
| FY23 | $119.05M | $23.60M |
| FY24 | $114.06M | $19.83M |
| FY25 | $129.29M | $26.84M |
C & F Financial Corp (CFFI) Valuation
Based on GoodMoat's DCF model, C & F Financial Corp has a fair value estimate of $171.21. At the current price of $73.83, the stock appears 56.9% undervalued relative to our intrinsic value estimate.
CFFI Quality Indicators
C & F Financial Corp maintains a profit margin of 21.3% and an operating margin of 25.6%. Return on equity stands at 10.8%. Debt-to-equity ratio is 0.43.
About C & F Financial Corp
C&F Bank operates 31 banking offices and four commercial loan offices located throughout eastern and central Virginia and offers full wealth management services through its subsidiary C&F Wealth Management, Inc. C&F Mortgage Corporation, and its subsidiary C&F Select LLC provide mortgage loan origination services through offices located in Virginia, Maryland, North Carolina, South Carolina, and West Virginia. C&F Finance Company provides automobile, marine and RV loans through indirect lending programs offered in Alabama, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Maryland, Minnesota, Missouri, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, and West Virginia from its headquarters in Richmond, Virginia.
CFFI Free Cash Flow
C & F Financial Corp generated $22.16M in trailing twelve-month free cash flow, representing an FCF yield of 9.22%. This strong FCF yield suggests the company generates substantial cash relative to its market value.
CFFI Shares Outstanding
C & F Financial Corp has 0.00 billion shares outstanding at a share price of $73.83, giving it a market capitalization of $240.38M.