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CFFI 
C&F Financial Corporation (CFFI)
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Upturn Advisory Summary
11/14/2025: 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 3.93% | Avg. Invested days 30 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/14/2025 |
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. Initially serving local communities in Virginia, it has grown through organic expansion and acquisitions, evolving into a diversified financial services company.
Core Business Areas
- Community Banking: Provides traditional banking services, including deposit accounts, loans, and other financial products, to individuals and businesses primarily in central and eastern Virginia.
- Wealth Management: Offers investment advisory, financial planning, trust, and brokerage services to individuals, families, and businesses.
- Mortgage Banking: Originates and sells mortgage loans through its mortgage banking division.
Leadership and Structure
The company is led by a board of directors and an executive management team. The organizational structure consists of various departments responsible for different business functions.
Top Products and Market Share
Key Offerings
- Deposit Accounts (Checking, Savings, CDs): Offers a range of deposit accounts for individuals and businesses. Market share data is not publicly available at this granular level. Competitors include larger regional and national banks.
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, equipment financing, and real estate. Market share data is not publicly available. Competitors include other regional and national banks, as well as credit unions.
- Residential Mortgages: Offers mortgages to individuals purchasing or refinancing homes. Market share data is not publicly available at this granular level. Competitors include mortgage companies and other regional and national banks.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes, economic fluctuations, and technological advancements. Community banks face increasing pressure from larger institutions and fintech companies.
Positioning
C&F Financial Corporation positions itself as a community-focused bank offering personalized service and local expertise. Its competitive advantages include its long-standing presence in the market and its diversified business model.
Total Addressable Market (TAM)
The total addressable market is large, encompassing all banking, wealth management, and mortgage services in Virginia. C&F's market share represents a small but significant portion of this TAM. It is positioned to grow within its Virginia footprint.
Upturn SWOT Analysis
Strengths
- Strong local presence and reputation
- Diversified business model
- Experienced management team
- Solid capital base
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Dependence on local economy
- Higher operational costs due to regulations.
Opportunities
- Expansion into new markets
- Acquisition of smaller banks or wealth management firms
- Increased adoption of digital banking services
- Growth in wealth management business
Threats
- Increased competition from larger banks and fintech companies
- Economic downturn
- Rising interest rates
- Regulatory changes
Competitors and Market Share
Key Competitors
- FULT
- WSBC
- OZK
- FFBC
Competitive Landscape
C&F Financial Corporation competes with larger regional and national banks, as well as smaller community banks and credit unions. Its competitive advantages include its local expertise and personalized service.
Major Acquisitions
Central Virginia Bankshares, Inc.
- Year: 2021
- Acquisition Price (USD millions): 31.4
- Strategic Rationale: Expanded C&F's footprint in Central Virginia. Adding new Branches
Growth Trajectory and Initiatives
Historical Growth: C&F Financial Corporation has experienced steady growth over the past decade, driven by organic growth and strategic acquisitions.
Future Projections: Analysts project continued growth in revenue and earnings, driven by expansion into new markets and increased adoption of digital banking services.
Recent Initiatives: Recent initiatives include the launch of new digital banking platforms and the acquisition of wealth management firms to expand its service offerings.
Summary
C&F Financial Corporation is a stable community bank with a diversified business model. Its strengths include its local presence and solid capital base. Challenges include competition from larger institutions and reliance on the local economy. The company's growth trajectory depends on its ability to expand into new markets and adapt to changing technology.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Investor Relations Materials
- Analyst Reports
- FDIC Data
Disclaimers:
The data provided is for informational purposes only and should not be considered investment advice. Market share data is based on available estimates and may not be precise. Financial data is based on the latest publicly available information and may be subject to change. There is no garentee on these numbers being entirely accurate.
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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