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Upturn AI SWOT - About
CFFI 
C&F Financial Corporation (CFFI)
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Upturn Advisory Summary
07/08/2025: CFFI (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Number of Analysts
0 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
Analysis of Past Performance
Type Stock | Historic Profit 9.27% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 07/08/2025 |
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 (CFFI) was founded in 1927 as a bank holding company. It has grown organically and through acquisitions, expanding its financial services offerings beyond traditional banking.
Core Business Areas
- Retail Banking: Provides a range of deposit and loan products to individuals and small businesses.
- Commercial Banking: Offers commercial lending, treasury management, and other financial services to businesses.
- Wealth Management: Provides investment advisory and financial planning services to individuals and families.
- Mortgage Banking: Originates and sells residential mortgage loans.
Leadership and Structure
The company is led by its President and CEO, and has a board of directors overseeing operations. The organizational structure includes various departments responsible for each business segment.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Residential mortgage loans are a key product. C&F operates in a highly competitive market with numerous national and regional lenders. Market share data varies by region. Competitors include Rocket Mortgage, Wells Fargo, and local banks. Revenue data is not publicly available by product segment but is included in overall financial reports.
- Commercial Loans: Loans to small and medium-sized businesses constitute a significant portion of the loan portfolio. Competitors include Bank of America, Truist, and other regional and national banks. Market share data is regional and not available publicly.
- Deposit Accounts: Checking, savings, and money market accounts offered to individuals and businesses. The market is highly competitive. Market share data varies by region. Competitors include Bank of America, Wells Fargo, Capital One, and local credit unions.
Market Dynamics
Industry Overview
The banking industry is currently facing increased regulatory scrutiny, rising interest rates, and increased competition from fintech companies. Economic conditions influence loan demand and credit quality.
Positioning
C&F Financial Corporation is a community-focused bank that differentiates itself through personalized service and local expertise. Its competitive advantages include strong customer relationships and a deep understanding of the local market. C&F is a small player relative to the national market, but it serves a critical role for small to medium-sized enterprises.
Total Addressable Market (TAM)
The total addressable market for banking services in the regions C&F serves is estimated to be in the billions of dollars. C&F captures a small percentage of this TAM, with an opportunity to grow through strategic initiatives and market expansion.
Upturn SWOT Analysis
Strengths
- Strong customer relationships
- Local market expertise
- Diversified business segments
- Solid capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Dependence on local economy
- Lower brand recognition than national banks
Opportunities
- Expansion into new markets
- Increased digital banking adoption
- Strategic acquisitions
- Growing wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Rising interest rates
- Economic downturn
- Increased regulatory scrutiny
Competitors and Market Share
Key Competitors
- BOH
- WSFS
- FFBC
Competitive Landscape
C&F is a smaller player compared to many of its competitors. C&F is smaller than WSFS and BOH which are similarly sized banks.
Growth Trajectory and Initiatives
Historical Growth: Growth has been steady through strategic acquisition and organic growth.
Future Projections: Financial data is not available at this time.
Recent Initiatives: Expanding its service offerings through new business segments.
Summary
C&F Financial Corporation is a community bank with a diversified business model and a strong local presence. It faces challenges from larger competitors and economic uncertainties but has opportunities for growth through expansion and strategic initiatives. Its focus on customer service and local expertise is a key differentiator. C&F needs to address the growing competition and expand its digital presence to stay competitive.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Market Research Reports
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute financial advice.
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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