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Upturn AI SWOT - About
CFFI 
C&F Financial Corporation (CFFI)
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Upturn Advisory Summary
08/28/2025: CFFI (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Analysis of Past Performance
Type Stock | Historic Profit 12.4% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 201.05M USD | Price to earnings Ratio 9.32 | 1Y Target Price 34 |
Price to earnings Ratio 9.32 | 1Y Target Price 34 | ||
Volume (30-day avg) - | Beta 0.49 | 52 Weeks Range 40.38 - 88.69 | Updated Date 06/29/2025 |
52 Weeks Range 40.38 - 88.69 | Updated Date 06/29/2025 | ||
Dividends yield (FY) 2.97% | Basic EPS (TTM) 6.66 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 18.73% | Operating Margin (TTM) 22.05% |
Management Effectiveness
Return on Assets (TTM) 0.86% | Return on Equity (TTM) 9.68% |
Valuation
Trailing PE 9.32 | Forward PE - | Enterprise Value 243440256 | Price to Sales(TTM) 1.73 |
Enterprise Value 243440256 | Price to Sales(TTM) 1.73 | ||
Enterprise Value to Revenue 2.55 | Enterprise Value to EBITDA - | Shares Outstanding 3239140 | Shares Floating 3017645 |
Shares Outstanding 3239140 | Shares Floating 3017645 | ||
Percent Insiders 6.82 | Percent Institutions 38.95 |
Upturn AI SWOT
C&F Financial Corporation
Company Overview
History and Background
C&F Financial Corporation was founded in 1927 and is headquartered in West Point, Virginia. Initially focused on community banking, it has expanded into wealth management, mortgage services, and consumer finance.
Core Business Areas
- Retail Banking: Provides a range of banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
- Wealth Management: Offers investment management, financial planning, and trust services to individuals and institutions.
- Mortgage Banking: Originates, sells, and services residential mortgages.
- Consumer Finance: Provides consumer finance products and services, including automobile lending.
Leadership and Structure
The leadership team consists of the CEO, CFO, and heads of each business segment. The organizational structure is hierarchical, with distinct departments for banking, wealth management, mortgage, and consumer finance.
Top Products and Market Share
Key Offerings
- Deposit Accounts: Checking, savings, and money market accounts. Market share in its operating regions is estimated at 5-10%. Competitors include larger regional and national banks.
- Loans: Commercial, residential mortgage, and consumer loans. Residential mortgage market is highly competitive with national lenders and regional players. Auto loans are a significant driver in consumer finance segment. Market share in Auto Loans is about 3%
- Wealth Management Services: Investment advice, portfolio management, and trust administration. Competitors include national brokerage firms and independent RIAs.
Market Dynamics
Industry Overview
The financial services industry is undergoing rapid technological changes, increased regulatory scrutiny, and consolidation. Low interest rates and increased competition are impacting profitability.
Positioning
C&F Financial Corporation positions itself as a community-focused financial institution offering personalized service and local expertise. Its competitive advantages include strong customer relationships and a diversified business model.
Total Addressable Market (TAM)
The TAM for banking services in C&F's operating area is estimated to be in the billions. For Wealth Management the TAM is tens of billions, but they focus on high net worth and local customers. C&F captures a small part of the TAM. Auto lending is hundreds of billions.
Upturn SWOT Analysis
Strengths
- Strong local presence
- Diversified business model
- Experienced management team
- Strong customer relationships
Weaknesses
- Limited geographic reach
- Smaller size compared to competitors
- Dependence on interest rate environment
- Regulatory compliance burden
Opportunities
- Expansion into new markets
- Increased adoption of technology
- Acquisition of smaller institutions
- Growth in wealth management
Threats
- Increased competition from larger banks
- Economic downturn
- Rising interest rates
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- United Bankshares, Inc. (UBSI)
- Atlantic Union Bankshares Corporation (AUB)
- TowneBank (TOWN)
Competitive Landscape
C&F Financial Corporation faces strong competition from larger regional and national banks. Its advantage lies in its local presence and customer relationships, but it needs to continue investing in technology to compete effectively.
Major Acquisitions
Central Virginia Bankshares, Inc.
- Year: 2017
- Acquisition Price (USD millions): 48.1
- Strategic Rationale: Expanded market share and customer base in central Virginia.
Growth Trajectory and Initiatives
Historical Growth: C&F Financial Corporation has experienced moderate growth in recent years, driven by expansion in its wealth management and mortgage businesses.
Future Projections: Analysts project continued moderate growth in revenue and earnings over the next few years. Earnings growth estimates range between 5% and 8%.
Recent Initiatives: Recent strategic initiatives include investing in technology to enhance customer experience and expanding into new geographic markets.
Summary
C&F Financial Corporation is a community-focused financial institution with a diversified business model. Its strength lies in its local presence and customer relationships, but faces challenges from larger competitors and regulatory compliance. The company is focused on strategic initiatives to grow the business.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company website, SEC filings, Analyst reports, Market research reports
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered financial advice. Actual results may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About C&F Financial Corporation
Exchange NASDAQ | Headquaters Toano, VA, United States | ||
IPO Launch date 1998-01-22 | President, CEO & Non Independent Director Mr. Thomas F. Cherry | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 545 | Website https://www.cffc.com |
Full time employees 545 | Website https://www.cffc.com | ||
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, including checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet and mobile banking, peer-to-peer payment capabilities, and debit cards, as well as safe deposit box rentals, notary public, electronic transfer, and other customary bank services. The Mortgage Banking segment offers various residential mortgage loans; 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; and ancillary mortgage loan production services to third parties for residential appraisals, as well as various mortgage origination activities. The Consumer Finance segment provides automobile loans. It also offers brokerage and wealth management services, and insurance products and services, as well as title and settlement agencies. C&F Financial Corporation was founded in 1927 and is based in Toano, Virginia.
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