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CFFI

Strong BuySecond WindFLAG

C&F Financial Corporation · Financial Services · United States · $298M · Avg Vol: $5M/d

84
StockRank
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Q
48
V
56
M
77
P/E (TTM)
10.6x
ROE
11.3%
D/E
0.4x
Dividend %
2.0%
Dir. Trades · 180d
−$721.5K →
Buybacks · 180d
$1.4M →
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%136.3M
EPS—8.296.926.018.290.0%8.97
Shares—3.5M3.4M3.2M3.2M-6.6%3.3M
Debt—92.1M109.5M122.6M113.3M7.2%120.6M
Equity—195.6M216.9M226.4M261.8M10.2%—
Op CF—90.6M38.8M36.8M24.5M-35.3%42.8M
Inv CF—-411.3M-56.3M-146.9M-169.4M——
Fin CF—79.6M66.0M100.6M158.4M——
Loading 1Y...
PRICE (1Y)+11.9%
82.5985.6688.7491.8194.89Jul 30Aug 20Sep 10
SMA 50SMA 200

Close
$93.62
RSI (14)
62.7
52W High
$96.00
From 52W High
1.0%

SCORE BREAKDOWN

Quality
48
ROIC (ROA)
1.1%*37.4
ROE
11.3%56.3
GP/Assets
4.9%N/A
Op. Margin
28.4%44.7
FCF/Assets
0.4%N/A
Piotroski
455.4
Int. Cover
—50.0
D/E Ratio
0.43xN/A
Current Ratio
bankN/A
Value
56
P/E (TTM)
10.6x64.8
EV/EBITDA
bankN/A
P/FCF
26.3xN/A
P/B
1.1x53.5
P/S
2.3x71.8
Div Yield
2.0%24.8
Momentum
77
52W High %
98%88.6
RS 6M
20%85.0
SMA 50/200
1.12x77.1
EPS Rev 4W
—N/A
EPS Rev 12W
—N/A
EPS Improve
—N/A
Q Growth
11%41.3

FUNDAMENTALS

Market Cap
$298M
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)$298M84Strong Buy
BPRNPrinceton Bancorp, Inc.$288M85Strong Buy
HWBKHawthorn Bancshares, Inc.$270M87Strong Buy
FRSTPrimis Financial Corp.$397M84Strong Buy
FDBCFidelity D & D Bancorp, Inc.$312M90Strong Buy
CBNAChain Bridge Bancorp, Inc.$300M77Buy
TSBKTimberland Bancorp, Inc.$361M81Strong Buy
NWFLNorwood Financial Corp.$372M81Strong Buy
OPBKOP Bancorp$226M81Strong Buy
FMAOFarmers & Merchants Bancorp, Inc.$472M84Strong Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

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

C&F Financial Corporation (CFFI) has a MoatMap StockRank of 84/100 based on Quality (48/100), Value (56/100), and Momentum (77/100) factor scores. The current signal is STRONG 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$93.62
Market Cap$298M
P/E (TTM)10.58
Price/Book1.11
Return on Equity11.3%
Debt/Equity0.43x
Operating Margin28.4%
Revenue Growth11.6%
Dividend Yield2.0%
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 84/100, with a Strong Buy signal. It is a composite of Quality (48), Value (56), and Momentum (77) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does C&F Financial Corporation have an economic moat?
C&F Financial Corporation (CFFI) has a Quality factor score of 48/100. 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 Strong Buy, based on a StockRank of 84/100. 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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