C&F Financial Corporation

C&F Financial Corporation

CFFIยทNASDAQ

$70.38

-3.7%
Financial ServicesBanks - Regional

C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. The company's Retail Banking offers various banking services, including checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. It also provides ATMs, Internet and mobile banking, and debit and credit cards, as well as safe deposit box rentals, notary public, electronic transfer, and other customary bank services. This segment offers its services through its main office in West Point, Virginia, as well as through 30 Virginia branches located 1 each in Albermarle, Goochland, Hanover, Middlesex, Powhatan, Stafford, York, Charlottesville, Hampton, Montross, Newport News, Richmond, Warsaw, and Williamsburg; 2 each in the counties of Cumberland, James City, King George, and New Kent; and four each in the counties of Chesterfield and Henrico. The company's Mortgage Banking segment provides 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 origination services for residential appraisals, as well as various mortgage origination functions to third parties. It provides mortgage loan origination services through 11 offices in Virginia, 1 office in Maryland, and 2 offices in North Carolina, as well as through 1 each in South Carolina and West Virginia. The company's Consumer Finance segment provides automobile loans through its offices in Richmond and Hampton, Virginia. It also offers brokerage and wealth management services; and insurance products. In addition, the company provides title and settlement agency, and insurance services. C&F Financial Corporation was founded in 1927 and is headquartered in West Point, Virginia.

At a Glance

Live Snapshot
Market Cap$229.04M
EPS8.2900
P/E Ratio8.49
Earnings Date07/23/2026
C&F Financial Corporation

C&F Financial Corporation Fair Value Envelope

CFFI ยท NASDAQ

Our analysis suggests that CFFI has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $70.38, this represents a potential HIDDEN relative to our calculated worth for C&F Financial Corporation.

Intrinsic Value
Current Price: $70.38

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$35.8M
+ Cash & Equivalents$79.1M
Firm Value$115.0M
- Debt$113.3M
Equity Value$1.6M
/ Shares Outstanding3,238,301B
DCF Value$1
OVERVALUED BY 99%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$15.5M
$9.8M
$6.2M
$3.9M
$2.5M
$1.6M
$998.8K
$632.4K
$400.4K
$253.5K
Maintenance CapEx
-$294.9K
-$186.7K
-$118.2K
-$74.8K
-$47.4K
-$30.0K
-$19.0K
-$12.0K
-$7.6K
-$4.8K
Owner Earnings
$15.2M
$9.6M
$6.1M
$3.9M
$2.4M
$1.5M
$979.8K
$620.3K
$392.8K
$248.7K
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$14.1M
$8.3M
$4.8M
$2.8M
$1.7M
$975.2K
$571.7K
$335.1K
$196.5K
$115.2K
Terminal Value represents 5.5% of Enterprise Value