C&F Financial Corporation (CFFI)
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
C&F Financial Corporation (CFFI) trades at $82.97 with AI Score 72/100 (Grade A). C&F Financial Corporation (CFFI) is a regional bank holding company that provides a wide range of banking services through its subsidiary, Citizens and Farmers Bank. Market cap: $270.03M, Sector: Financial services.
Price live · AI analysis from May 10, 2026Analyst Coverage for CFFI: CFFI does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates CFFI against Financial Services peers across nine fundamental dimensions and assigns a relatively strong fundamental profile based on the underlying data.
CFFI: 1/1 perspectives are bullish.
How is this calculated? →C&F Financial Corporation (CFFI) Financial Services Profile
C&F Financial Corporation is a regional bank holding company offering comprehensive banking services, including retail and mortgage banking, with a strong presence in Virginia and a commitment to community-focused financial solutions.
What Is the Investment Thesis for CFFI?
C&F Financial Corporation presents a solid investment thesis driven by its diversified revenue streams and strong market presence in Virginia. The company has a market capitalization of $270.03M and a P/E ratio of 8.8, indicating potential undervaluation compared to industry peers. With a profit margin of 14.9% and a gross margin of 69.3%, CFFI demonstrates operational efficiency that supports profitability. Key growth catalysts include the expansion of its mortgage banking services and the enhancement of digital banking capabilities to attract younger customers. The company's commitment to community banking and customer service further strengthens its competitive position. However, potential risks include economic downturns affecting loan demand and interest rate fluctuations impacting margins.
Based on FMP financials and quantitative analysis
CFFI Key Highlights
- Market capitalization of $270.03M reflects a stable regional banking presence.
- P/E ratio of 8.8 suggests attractive valuation compared to industry averages.
- Profit margin of 14.9% indicates strong operational efficiency.
- Gross margin of 69.3% highlights effective cost management.
- Dividend yield of 2.50% provides a steady income stream for investors.
Who Are CFFI's Competitors?
CFFI is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| BANC Banc of California, Inc. | $20.58 | +1.38% | $3.17B | 87 |
| FHN First Horizon Corporation | $25.82 | +0.56% | $12.26B | 86 |
| ZION Zions Bancorporation, National Association | $70.60 | +1.80% | $10.38B | 91 |
| PBCT People's United Financial, Inc. | $19.41 | +0.00% | 48 | |
| CUBI Customers Bancorp, Inc. | $78.08 | +0.48% | $2.64B | 67 |
| MCHB Mechanics Bank | $16.24 | +0.50% | $3.58B | 71 |
| STLE Steele Bancorp Inc. | $43.05 | -0.67% | $80.01M | 69 |
| NASB NASB Financial, Inc. | $40.30 | +0.00% | $289.22M | 68 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CFFI's Key Strengths?
- Established brand with nearly a century of banking experience.
- Strong financial metrics indicating operational efficiency and profitability.
- Diverse service offerings catering to various customer segments.
- Solid branch network providing accessibility and local expertise.
What Are CFFI's Weaknesses?
- Limited geographic presence outside Virginia may restrict growth.
- Dependence on regional economic conditions for performance.
- Potential challenges in competing with larger national banks.
- Relatively small market capitalization compared to larger peers.
What Could Drive CFFI Stock Higher?
- Expansion of mortgage banking services to capitalize on rising housing demand in Virginia.
- Investment in digital banking technologies to improve customer experience and attract new clients.
- Development of wealth management services to target high-net-worth individuals and families.
- Launch of new insurance products to enhance revenue streams and customer offerings.
- Strategic marketing initiatives to increase brand awareness and customer acquisition.
What Are the Key Risks for CFFI?
- Financial-distress signal — its Altman Z-Score of 0.31 sits in the distress zone (elevated bankruptcy risk).
- Economic downturns may negatively impact loan demand and credit quality.
- Competition from fintech companies and larger banks may pressure margins.
- Regulatory changes could impose additional compliance costs.
- Interest rate fluctuations may affect profitability and loan demand.
What Are the Growth Opportunities for CFFI?
- Expansion of Mortgage Banking: C&F Financial Corporation aims to grow its mortgage banking segment by increasing its market share in Virginia and neighboring states. The residential mortgage market is projected to reach $1.5 trillion by 2028, driven by rising home prices and demand for housing. CFFI's established branch network and expertise in various mortgage products position it to capture a larger share of this growing market.
- Digital Banking Enhancements: The company is investing in digital banking technologies to improve customer experience and attract younger demographics. With the digital banking market expected to grow at a CAGR of 10% over the next five years, CFFI's enhancements in mobile banking and online services are likely to drive customer acquisition and retention.
- Consumer Finance Growth: C&F Financial Corporation plans to expand its consumer finance offerings, particularly in automobile loans. The auto loan market is projected to grow to $1 trillion by 2027, and CFFI's strategic focus on this segment could enhance its revenue streams and market presence.
- Wealth Management Services: The company is looking to grow its brokerage and wealth management services, targeting high-net-worth individuals and families. The wealth management industry is expected to grow significantly, with assets under management projected to reach $100 trillion by 2025. CFFI's local expertise and personalized service can differentiate it in this competitive market.
- Insurance Product Offerings: C&F Financial Corporation is exploring opportunities to expand its insurance services, which can provide additional revenue streams. The U.S. insurance market is projected to grow to $1.3 trillion by 2025, and CFFI's existing customer base presents an opportunity to cross-sell insurance products effectively.
What Opportunities Does CFFI Have?
- Expansion into neighboring states to capture new markets.
- Investing in technology to enhance digital banking services.
- Growing demand for mortgage and consumer finance products.
- Potential for cross-selling insurance and wealth management services.
What Threats Does CFFI Face?
- Economic downturns could impact loan demand and credit quality.
- Increased competition from fintech companies and larger banks.
- Regulatory changes affecting the banking industry.
- Interest rate fluctuations impacting profitability.
What Are CFFI's Competitive Advantages?
- Strong community presence with established relationships in Virginia.
- Diverse range of banking and financial services tailored to local needs.
- Operational efficiency demonstrated by high profit and gross margins.
- Commitment to customer service and personalized banking experiences.
- Robust branch network providing accessibility to customers.
What Does CFFI Do?
C&F Financial Corporation, founded in 1927, operates as a bank holding company for Citizens and Farmers Bank, headquartered in West Point, Virginia. The company has evolved over nearly a century, expanding its services to meet the diverse needs of individuals and businesses. C&F Financial Corporation provides a comprehensive suite of banking services, including checking and savings accounts, various types of loans such as business, real estate, and consumer loans, and additional services like ATMs, internet and mobile banking, and insurance products. With a network of 30 branches across Virginia, the company is strategically positioned to serve both urban and rural communities. Its retail banking segment is complemented by a robust mortgage banking division that offers a range of residential mortgage products, including FHA-insured and USDA-guaranteed loans. Additionally, C&F Financial Corporation operates in the consumer finance sector, providing automobile loans and wealth management services. The company prides itself on its community involvement and customer-centric approach, making it a trusted financial partner in the regions it serves.
What Products and Services Does CFFI Offer?
- Provide a range of banking services, including checking and savings accounts.
- Offer various types of loans, including personal, business, and mortgage loans.
- Facilitate online and mobile banking services for customer convenience.
- Operate a network of branches across Virginia to serve local communities.
- Provide wealth management and brokerage services to clients.
- Offer insurance products and consumer finance options, including auto loans.
How Does CFFI Make Money?
- Generate revenue through interest income from loans and fees from banking services.
- Earn fees from mortgage origination and servicing.
- Provide wealth management services for a fee based on assets under management.
- Offer insurance products and earn premiums and commissions.
- Facilitate consumer finance products, generating interest income from loans.
What Industry Does CFFI Operate In?
The regional banking industry is characterized by a growing demand for personalized banking services and digital transformation. C&F Financial Corporation operates in a competitive landscape that includes both traditional banks and emerging fintech companies. The regional banking sector is expected to grow as consumers increasingly seek local banking solutions that offer tailored services. With a focus on community engagement and customer service, CFFI is well-positioned to capitalize on these trends, particularly in Virginia, where it has established a strong market presence.
Who Are CFFI's Key Customers?
- Individual consumers seeking personal banking services.
- Small to medium-sized businesses requiring business banking solutions.
- Homebuyers and homeowners needing mortgage financing.
- Investors and high-net-worth individuals seeking wealth management.
- Consumers looking for auto loans and insurance products.
Net sellingInsider Activity
Over the past six months, C&F Financial Corporation insiders filed 15 SEC Form 4 transactions — 6 sales and 9 purchases. On net that is roughly 42 shares disposed (about $307K), a signal worth weighing alongside the fundamentals.
F-Score 7/9Financial Health
C&F Financial Corporation's Piotroski F-Score is 7/9, a 9-point checklist of profitability, leverage and efficiency — signaling solid underlying fundamentals. Its Altman Z-Score of 0.31 places it in the distress zone, a signal of elevated financial risk.
ROE 11%Key Financial Metrics
Return on equity for C&F Financial Corporation stands at 11.1%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.0%, showing how much profit it generates from its asset base. CFFI trades at a trailing price-to-earnings ratio of 8.75, below the Financial Services sector average of ~18x. Its free cash flow yield is 4.3%, a gauge of the cash the business throws off relative to its market value. A current ratio of 1.35 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 11.0%, the inverse of the P/E and a quick read on earnings relative to price.
C&F Financial Corporation (CFFI) Valuation Context
Valued at $270.03M, CFFI is classified as a micro-cap stock. Relative to its peer group, CFFI's quantitative score of 72/100 is roughly in line with the peer average of 76/100.
Company Profile
C&F Financial Corporation operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Toano, US. The company is led by CEO Thomas F. Cherry. CFFI has traded publicly since 1998.
CFFI Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Established brand with nearly a century of banking experience.
- Strong financial metrics indicating operational efficiency and profitability.
- Diverse service offerings catering to various customer segments.
- Solid branch network providing accessibility and local expertise.
Bear Case
- Limited geographic presence outside Virginia may restrict growth.
- Dependence on regional economic conditions for performance.
- Potential challenges in competing with larger national banks.
- Relatively small market capitalization compared to larger peers.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · July 2026
CFFI Latest News
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CFFI Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CFFI.
Price Targets
Wall Street price target analysis for CFFI.
CFFI MoonshotScore
What does this score mean?
The MoonshotScore rates CFFI's growth potential on a scale of 0-100 across multiple factors including innovation, market disruption, financial health, and momentum.
Latest C&F Financial Corporation Analysis
Leadership: Thomas F. Cherry
CEO
Thomas F. Cherry has been leading C&F Financial Corporation as CEO since 2010. He holds a degree in finance from the University of Virginia and has over 25 years of experience in the banking industry. Prior to joining C&F, Cherry held various leadership roles in regional banks, focusing on retail banking and strategic growth initiatives.
Track Record: Under Cherry's leadership, C&F Financial Corporation has achieved consistent revenue growth and expanded its branch network. He has been instrumental in enhancing the company's digital banking capabilities and diversifying its service offerings.
Common Questions About CFFI (Financial Services)
How does C&F Financial Corporation make money in financial services?
C&F Financial Corporation generates revenue primarily through interest income from loans, including personal, business, and mortgage loans. Additionally, the company earns fees from banking services, mortgage origination, and wealth management services. The diverse range of financial products allows CFFI to cater to various customer needs while maintaining a steady income stream.
How is C&F Financial Corporation adapting to fintech disruption?
C&F Financial Corporation is actively investing in digital banking technologies to enhance its online and mobile services. By improving customer experience and streamlining operations, the company aims to compete effectively with fintech challengers. Furthermore, CFFI is focusing on developing innovative financial products that meet the evolving needs of tech-savvy consumers.
What are the main risks for CFFI?
C&F Financial Corporation faces several risks, including potential economic downturns that could impact loan demand and credit quality. Additionally, increased competition from both traditional banks and fintech companies poses a threat to market share and profitability. Regulatory changes may also introduce compliance challenges, while interest rate fluctuations can affect the company's overall financial performance.
What are the key factors to evaluate for CFFI?
C&F Financial Corporation (CFFI) holds an AI score of 72/100 (high). P/E: 8.8x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does CFFI data refresh on this page?
CFFI prices update in real time during U.S. market hours. Fundamentals refresh after quarterly filings; analyst ratings and AI insights update daily; news is aggregated continuously.
What has driven CFFI's recent stock price performance?
C&F Financial Corporation (CFFI) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established brand with nearly a century of banking experience. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CFFI overvalued or undervalued right now?
C&F Financial Corporation (CFFI) trades at 8.8x earnings. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
What research should beginners do before buying CFFI?
Before investing in C&F Financial Corporation (CFFI), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) what Wall Street analysts recommend and their price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Data is based on the latest available information as of May 2026.