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Upturn AI SWOT - About
CFFI 
C&F Financial Corporation (CFFI)
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Upturn Advisory Summary
09/17/2025: 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 9.96% | Avg. Invested days 32 | 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 09/17/2025 |
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 as Citizens and Farmers Bank in West Point, Virginia. It has evolved from a community bank into a diversified financial services company through strategic acquisitions and organic growth, expanding its reach and service offerings.
Core Business Areas
- Retail Banking: Provides traditional banking services to individuals and businesses, including deposit accounts, loans, and other financial products.
- Wealth Management: Offers wealth management and trust services to individuals, families, and businesses.
- Mortgage Lending: Originates and services residential mortgage loans.
- Consumer Finance: Provides consumer finance services, including auto loans and other lending products.
Leadership and Structure
The leadership team consists of the CEO, CFO, and other senior executives. The organizational structure includes various departments aligned with the core business areas, with a board of directors overseeing the company's operations.
Top Products and Market Share
Key Offerings
- Deposit Accounts: Includes checking, savings, and money market accounts. The competitors for deposit accounts include banks like Bank of America (BAC), Wells Fargo (WFC), and regional players.
- Mortgage Loans: Offers residential mortgage loans with various terms. Competitors include Rocket Companies (RKT), PennyMac Financial Services (PFSI), and other regional lenders. Market share data is not publicly available at the product level. This product segment is a significant revenue generator for C&F.
- Commercial Loans: Provides loans to businesses for working capital, expansion, and other purposes. Competitors include Truist (TFC), PNC (PNC), and other regional banks.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles. Technological advancements are also driving changes in the industry.
Positioning
C&F Financial Corporation is a regional player with a focus on community banking and wealth management. Its competitive advantages include strong customer relationships and local market expertise.
Total Addressable Market (TAM)
The TAM for financial services in C&F's operating region is estimated to be in the billions of dollars. C&F is well-positioned to capture a portion of this TAM through its diversified offerings and community focus.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Diversified revenue streams
- Experienced management team
- Solid financial performance
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Potential for increased competition
- Reliance on interest rate spreads
Opportunities
- Expansion into new markets
- Increased adoption of digital banking
- Growth in wealth management services
- Strategic acquisitions
- Capitalizing on community banking trends
Threats
- Economic downturn
- Regulatory changes
- Increased competition from larger banks
- Cybersecurity threats
- Interest rate volatility
Competitors and Market Share
Key Competitors
- BAC
- WFC
- PNC
- TFC
Competitive Landscape
C&F Financial Corporation faces competition from larger national and regional banks. Its advantages include its community focus and strong customer relationships, while its disadvantages include its smaller scale and limited geographic reach.
Growth Trajectory and Initiatives
Historical Growth: Historical growth requires analysis of past financial statements.
Future Projections: Future growth projections necessitate analyst forecasts.
Recent Initiatives: Recent strategic initiatives would need to be researched and added.
Summary
C&F Financial Corporation is a stable regional bank with diversified revenue streams and strong community ties. Its smaller size and limited geographic reach are potential challenges. Expanding into new markets and capitalizing on digital banking trends could drive future growth.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Analysis Reports
- Analyst Reports (where available)
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may not be precise. Financial data and growth projections are subject to change.
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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