CFFI Fair Value Estimate
$171.21131.9% undervalued
Blended fair value estimate based on DCF, Graham Number, and earnings-based models.
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) Valuation
CFFI Valuation Metrics
FCF$22.16M
FCF Growth Rate—
EPS Growth (CAGR)6.05%
WACC10.00%
Fair Value Models
Graham Number, PEG-based, and Earnings-based models
View Fair Value →CFFI Valuation & Fair Value Analysis
C & F Financial Corp (CFFI) valuation analysis using multiple fair value methodologies. GoodMoat calculates a blended fair value target using discounted cash flow (DCF) analysis, the Graham Number, and earnings-based valuation models.
The GoodMoat Fair Value target for C & F Financial Corp is $171.21. The current stock price is $73.83, suggesting the stock is 131.9% undervalued.
The price-to-earnings (P/E) ratio is 8.52. Price-to-book ratio is 0.92. Price-to-sales ratio is 1.82. Enterprise value to EBITDA is 6.90. PEG ratio is 0.34.
GoodMoat's valuation models include the Graham Number (based on EPS and book value), an earnings-based model (discounted future EPS), and a PEG-adjusted valuation. The three models are averaged to produce a blended fair value estimate. Use these tools alongside the DCF calculator and reverse DCF to form a comprehensive view of C & F Financial Corp's intrinsic value.