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CFFI

BUYFLAG

C&F Financial Corporation · Financial Services · United States · $254M · Avg Vol: $567K/d

74
StockRank
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Q
49
V
65
M
54
P/E (TTM)
9.0x
ROE
11.3%
D/E
0.4x
Dividend %
2.3%
Dir. Trades · 180d
−$320.3K →
Buybacks · 180d
$3.9M →
AI CONVICTION THESIS

C&F Financial has value V64 and momentum M61, but quality at Q48 is below the calibrated floor, so stage one fails.

COMPANY DESCRIPTION

C&F Financial Corporation is a financial holding company providing comprehensive banking, mortgage lending, and wealth management services primarily through its subsidiary, C&F Bank. As a regional bank focused on Virginia, it leverages deep local market presence and relationship banking to serve individuals and small businesses effectively. Its diverse revenue streams also include auto financing.

FINANCIAL SUMMARY (USD)

Year20212022202320242025CAGRTTM
Revenue131.6M115.6M123.3M——-3.2%132.4M
EPS—8.296.926.018.290.0%8.54
Shares—3.5M3.4M3.2M3.2M-6.6%3.3M
Debt—92.1M109.5M122.6M113.3M7.2%105.9M
Equity—195.6M216.9M226.4M261.8M10.2%—
Op CF—90.6M38.8M36.8M24.5M-35.3%13.7M
Inv CF—-411.3M-56.3M-146.9M-169.4M——
Fin CF—79.6M66.0M100.6M158.4M——
Loading 1Y...
PRICE (1Y)+1.2%
74.3477.3080.2683.2286.18Jun 11Jul 6Jul 24
SMA 50SMA 200
Close
$78.00
RSI (14)
39.9
52W High
$86.18
From 52W High
0.9%

SCORE BREAKDOWN

Quality
49
ROIC (ROA)
1.0%*38.5
ROE
11.3%59.4
GP/Assets
4.8%N/A
Op. Margin
25.5%44.4
FCF/Assets
0.4%N/A
Piotroski
453.2
Int. Cover
—50.0
D/E Ratio
0.43xN/A
Current Ratio
bankN/A
Value
65
P/E (TTM)
9.0x75.0
EV/EBITDA
bankN/A
P/FCF
22.4xN/A
P/B
0.9x66.2
P/S
1.9x77.8
Div Yield
2.3%27.5
Momentum
54
52W High %
91%42.0
RS 6M
0%59.5
SMA 50/200
1.05x59.8
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
26%60.3

FUNDAMENTALS

Market Cap
$254M
P/E (Forward)
—
Gross Margin
—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of CFFI are excluded.

TickerCompanyMkt CapStockRankSignal
CFFIC&F Financial Corporation(you)$254M74BUY
BPRNPrinceton Bancorp, Inc.$278M74BUY
FXNCFirst National Corporation$269M73BUY
FUNCFirst United Corporation$288M75BUY
CFBKCF Bankshares Inc.$217M72BUY
PEBKPeoples Bancorp of North Carolina, Inc.$229M77BUY
COSOCoastalSouth Bancshares, Inc.$325M73BUY
HWBKHawthorn Bancshares, Inc.$265M79BUY
FVCBFVCBankcorp, Inc.$324M76BUY
FSBWFS Bancorp, Inc.$302M70BUY

Peer medians: ROE 9.4% · P/E 13.9x · Gross margin 100.0%

C&F Financial Corporation (CFFI) — Stock Score Summary

C&F Financial Corporation (CFFI) has a MoatMap StockRank of 74/100 based on Quality (49/100), Value (65/100), and Momentum (54/100) factor scores. The current signal is BUY. C&F Financial has value V64 and momentum M61, but quality at Q48 is below the calibrated floor, so stage one fails.

C&F Financial Corporation is a financial holding company providing comprehensive banking, mortgage lending, and wealth management services primarily through its subsidiary, C&F Bank. As a regional bank focused on Virginia, it leverages deep local market presence and relationship banking to serve individuals and small businesses effectively. Its diverse revenue streams also include auto financing.

Key Financial Metrics

Price$78.00
Market Cap$254M
P/E (TTM)9.02
Price/Book0.94
Return on Equity11.3%
Debt/Equity0.43x
Operating Margin25.5%
Revenue Growth10.4%
Dividend Yield2.3%
Free Cash Flow$11M

C&F Financial Corporation operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is C&F Financial Corporation’s (CFFI) StockRank?
MoatMap’s StockRank for C&F Financial Corporation (CFFI) is 74/100, with a Buy signal. It is a composite of Quality (49), Value (65), and Momentum (54) factor ranks across MoatMap’s 20,000+ stock universe.
Does C&F Financial Corporation have an economic moat?
C&F Financial Corporation (CFFI) has a Quality factor score of 49/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is C&F Financial Corporation a buy, hold, or sell?
MoatMap’s current signal for C&F Financial Corporation (CFFI) is Buy, based on a StockRank of 74/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is C&F Financial Corporation in?
C&F Financial Corporation (CFFI) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).
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