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CFFI
$76.01+1.26 (+1.69%)
Market ClosedLast close May 1
C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses.
Historical Price
Price (Candle)
50-Day SMA
200-Day SMA
Whystock Brain
The Narrative
C&F Financial Corporation in the Financial Services sector is trading at $76.01. The stock is currently 6% below its 52-week high of $80.99, remaining 7.8% above its 200-day moving average. Technical signals show neutral RSI of 49 and bearish MACD signal, explaining why CFFI maintains its current momentum and trend strength. The Whystock Score of 70/100 reflects a high-conviction bullish alignment.
Ecosystem Influences
Neutral momentum (RSI 49) — price action in range
Long-term trend bullish (Price vs 200-day SMA)
Macro-economic sensitivity to interest rate and inflation shifts
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Peer Comparison
JPMBACGS
Whystock Valuation Model
Whystock fair value is estimated using a trailing P/E model adjusted for return on equity: Fair P/E = 18 + (ROE × 20). Fair Value = (Current Price ÷ Trailing P/E) × Fair P/E. A base P/E of 18 represents a typical market multiple, scaled upward for companies that earn high returns on equity. The result is a theoretical "normalised" price — not a price target or investment advice. Large deviations are common for high-growth or loss-making companies.
Current Price$76.01
Potential Upside
115.9%
Whystock Fair Value$164.10
Price
UndervaluedFair ValueOvervalued
Simplified model based on P/E and ROE. Not a substitute for full valuation analysis. Data may be delayed. See our Terms.
Fundamentals
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. Th...
Market Cap
Total dollar market value of a company's outstanding shares of stock (Price * Shares).
$248.42M
P/E Ratio
Value territory. Trading at a high yield relative to earnings.
9.20
Beta
Defensive asset. Lower volatility than the S&P 500.
0.35
Div Yield
Strong income play. Yield provides a meaningful total return floor.
252.00%
ROE
Average efficiency. Growth may require heavy reinvestment.
9.35%
Volume
Today's trading volume
1,843
Recent News
C&F Financial Q1 Earnings Rise 25% Y/Y as Mortgage Growth Surges
CFFI posts 26% profit growth in Q1, driven by strong mortgage and community banking performance despite consumer finance headwinds.
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Oracle's cloud infrastructure revenue jumped 84% in fiscal Q3 as AI and multicloud demand surged, though heavy data-center investments pushed trailing free cash flow to -$13.2B.
C&F Financial Q4 Earnings Rise Y/Y on Loan Growth, Margin Gains
CFFI posts y/y earnings growth in 2025, driven by loan expansion, higher net interest margin and a solid performance across its banking segments.
C&F: Q4 Earnings Snapshot
TOANO, Va. AP) — C&F Financial Corp. CFFI) on Tuesday reported net income of $6.7 million in its fourth quarter.