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CFFI
C & F Financial Corp
NASDAQ· Financial Services· Banks - Regional· CUSIP 12466Q104
$93.94+1.01%Price as of Sep 22, 22:37 UTC · updated once a day, after the close
Key metrics
- Market cap
- $305.46M
- P/E
- 10.5x
- Forward P/E
- —
- P/B
- 1.1x
- Dividend yield
- 2.04%
- Payout
- 21.41%
- EPS
- $8.97
- ROE
- 11.27%
- Profit margin
- 21.34%
- Revenue growth
- +11.60%
- Beta
- 0.35
- 52-week high
- $97.07
- 52-week low
- $64.71
History
How the company evolved, year by year. Revenue and debt come from the annual reports — for most companies, the 10-K filings with the SEC since 2009; dividends from the payments themselves.
The bars are a balance on the closing date; the lines are what happened during the year. Revenue above equity is ordinary, not an anomaly — it means the company turns its capital over more than once a year.
Investors holding this
Major managers that reported this stock in their latest 13F.
Price over time
▲ +82.9% over 5Y.
today you would have $2,029.77▲ +103.0%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
Indicators, year by year
The last 17 closed years. Each multiple uses that year’s closing price and that year’s reported numbers — not today’s. The range is set by the annual reports on record.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $72.59 | $71.25 | $68.19 | $58.27 | $51.19 | $37.11 | $55.33 | $53.21 | $58.00 | $49.85 | $39.00 | $39.74 | $45.67 | $38.94 | $26.60 | $22.31 | $19.00 | |
Fair price, seven ways
Seven formulas applied to what the company reported. None of them predicts a price — each answers what the stock would be worth if its assumption held. The assumption is printed next to every number, because it is the assumption that produces the result.
Earnings
$131.33
Square root of 22.5 × earnings × book value — the two ceilings Graham proposed. Blind to intangibles, so it undervalues software and brands.
Earnings
$76.35
Earnings growing 6.5% a year plus a 2.0% dividend — Lynch adds the yield to the growth rate, so a payer is not priced like a company that returns nothing. Growth capped at 25%.
Earnings
$120.07
Median P/E of 13.4 among peers in the sector.
Earnings
$90.73
Median P/E of 10.1 across the years on record for this company itself. Answers whether it is cheap against its own past, which a whole sector trading low cannot flatter.
Cash flow
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Operating
—
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Others in the same sector
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| BIXIBitcoin Infrastructure Acquisition Corp Ltd | $10.09 | — | — | — | — | $303.74M |
| GTERAGloba Terra Acquisition Corp | $10.40 | 23.6x | — | — | — | $307.43M |
| JENAJENA ACQUISITION Corp II | $10.47 | — | — | — | — | $303.37M |
| ITHAITHAX Acquisition Corp III |
About the company
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.
- 575
- Toano, United States
Company description provided by Yahoo Finance.