Obermatt
See Similar Stocks →

C&F Financial

NSQ:CFFI · US12466Q1040
BanksX-Small

360

77
Medium confidence — indicative
Profit price92
Cash yield1
Price/Sales100
EV / Gross Profit64
Price/Book86
Returns on capital80
Profit margins—
Cash Conversion14
Accruals21
Owner Earnings Margin38
Sales growth45
Profit Growth59
Owner Earnings Growth58
Reinvestment13
Price momentum32
Debt load34
Debt serviceability58
Liquidity45
Analyst ratings—
Expectations trend—
Market mood1
Value Creation20/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

C&F Financial generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQGS
Founded1994
Websitecffc.com
ISINUS12466Q1040
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
Banking

Description

C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank (the bank or C&F Bank). Subsidiaries C&F Bank has five wholly-owned subsidiaries, all incorporated under the laws of the Commonwealth of Virginia: C&F Mortga…

Analysis

Bargain bin

C&F Financial Corporation is priced cheaply, and that invites the natural question of why, since the underlying business scores below average.

On valuation, the picture is attractive. The owner-earnings multiple stands at 8.4×; owner earnings: the cash an owner could take out each year.

Growth is moderate; the safety picture is adequate. The company scores 20/20 on our value-creation score: strong value creator.

Flags to be aware of: Reported profits have run ahead of actual cash for several periods. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
29
20232026

All-time high

61

Jan 2023

All-time low

29

Jun 2026

Average rank

47

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
100
—
—
90
Price/Earnings
95
—
—
82
Price/Book
86
—
—
72
Dividend Yield
1
—
—
41
Value (overall)
79
—
—
81

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

Similar Stocks

The companies this stock is ranked against.

Compare C&F Financial with its peers
Northrim
NSQ:NRIM
94
CountryUSA
IndustryBanks
SizeSmall
Full Stock Analysis →
Citizens Financial Services
NAQ:CZFS
72
CountryUSA
IndustryBanks
SizeX-Small
Full Stock Analysis →
First Savings Financial
NAQ:FSFG
71
CountryUSA
IndustryBanks
SizeSmall
Full Stock Analysis →
Sound Financial Bancorp
NAQ:SFBC
40
CountryUSA
IndustryBanks
SizeX-Small
Full Stock Analysis →
Old Second Bancorp
NSQ:OSBC
56
CountryUSA
IndustryBanks
SizeX-Small
Full Stock Analysis →
Ames National
NAQ:ATLO
26
CountryUSA
IndustryBanks
SizeX-Small
Full Stock Analysis →

Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →