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C&F Financial Corporation(CFFI)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for CFFI
09/18/2026: CFFI (2-star) has a low Upturn Star Rating. Not recommended to BUY.
C&F Financial Corporation is a regional bank holding company based in Virginia that provides a mix of commercial banking, residential mortgage services, and non-prime auto lending. The company's primary strength lies in its diversified revenue streams, which help balance interest-rate-sensitive income with consumer finance fees. A key growth opportunity involves expanding its local market share through strategic acquisitions and digital banking upgrades. However, it faces risks from interest rate volatility, regional economic downturns, and intense competition from both larger banks and fintech platforms. The stock may suit dividend-oriented and value-focused investors who prioritize steady income and exposure to the regional banking sector.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | The company is a mature regional bank with steady rather than high-growth characteristics. |
| Momentum investor | Weak fit | The stock typically follows broader regional banking trends and lacks high-volatility momentum. |
| Value investor | Strong fit | The stock often trades at valuations reflective of regional banking multiples. |
| Dividend investor | Strong fit | The company provides a reliable dividend stream typical for community-oriented financial institutions. |
| Low-risk investor | Mixed fit | While established, the company is subject to the inherent risks of regional banking and consumer credit cycles. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium | Regional bank stocks can be sensitive to macroeconomic interest rate shifts. |
| Valuation risk | Low | The company generally trades within range of its sector book value and earnings multiples. |
| Competition risk (regional banking competition) | Medium / high | Persistent competition from both large and local players pressures margins. |
| Business quality | Medium | The business has a solid history, though it operates in highly competitive and cyclical segments. |
| Dividend income | Low / none | The dividend is considered stable but subject to banking capital requirements. |
| Execution risk | Low | Management has a long track record of successfully navigating the regional banking market. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Smooth
The stock has moved along a generally orderly path with only modest fluctuations.
Analysis of Past Performance
Type Stock | Historic Profit 53.19% | Avg. Invested days 48 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 09/18/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 305.69M USD | Price to earnings Ratio 10.6 | 1Y Target Price 34 |
Price to earnings Ratio 10.6 | 1Y Target Price 34 | ||
Volume (30-day avg) 57.5K shares | Beta 0.35 | 52 Weeks Range 63.15 - 97.07 | Updated Date 09/18/2026 |
52 Weeks Range 63.15 - 97.07 | Updated Date 09/18/2026 | ||
Dividends yield (FY) 1.98% | Basic EPS (TTM) 8.87 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Community Banking | Interest income from commercial/retail loans and fee-based services. | This is the core business that generates steady income through traditional lending. |
| Consumer Finance | Interest and fees from indirect auto loans to non-prime borrowers. | This segment offers higher-yield potential but carries higher credit risk. |
| Mortgage Banking | Mortgage origination and sales on the secondary market. | This provides non-interest fee income that fluctuates with housing market activity. |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Valuation
Trailing PE 10.6 | Forward PE 5.69 | Enterprise Value 360.71M | Price to Sales(TTM) 2.24 |
Enterprise Value 360.71M | Price to Sales(TTM) 2.24 | ||
Enterprise Value to Revenue 3.13 | Enterprise Value to EBITDA - | Shares Outstanding 3.25M | Shares Floating 3.03M |
Shares Outstanding 3.25M | Shares Floating 3.03M | ||
Percent Insiders 6.53 | Percent Institutions 42.2 |
Upturn AI Summary
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.
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
About C&F Financial Corporation
Exchange NASDAQ | Headquarters 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 575 | Website https://www.cffc.com |
Full time employees 575 | 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, such as checking and savings deposit accounts; and business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet and mobile banking, peer-to-peer payment capabilities, debit cards, safe deposit box rentals, notary public, electronic transfer, and other customary bank services, as well as wealth management services; and engages in owning equity interests in an independent insurance agency, and a full-service title and settlement agency. The Mortgage Banking segment offers various residential mortgage loans, which are originated for sale to investors in the secondary mortgage market; 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. This segment also provides mortgage loan origination functions as a service to third party mortgage lenders and other community banks; and ancillary mortgage loan production services to third parties for residential appraisals. The Consumer Finance segment offers automobile financing through lending programs to serve customers in both the prime and non-prime markets. C&F Financial Corporation was founded in 1927 and is based in Toano, Virginia.
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