C&F Financial Corporation Common Stock (CFFI)

FairStock Score: 65/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

As a Buffett/Graham-style investor, I see C&F Financial as a small, plain-vanilla bank holding company: Citizens and Farmers Bank, mortgage banking, and consumer finance, with 575 employees. The business is understandable, but banking is commodity-like; without deposit-cost, net interest margin, CET1, or credit-quality data, I cannot verify a durable moat. The numbers offer a mixed picture. In fiscal Q2 2026, the quarter ended 2026-06-30, revenue was $40.9M and net income was $8.6M, or $2.63 diluted EPS; in fiscal Q1 2026, the quarter ended 2026-03-31, revenue was $36.3M, net income was $6.7M, and diluted EPS was $2.08. Those compare favorably with fiscal Q2 2025, the quarter ended 2025-06-30, when revenue was $36.4M, net income was $7.7M, and diluted EPS was $2.37. Full-year FY2025, ended 2025-12-31, had revenue of $140.8M, net income of $26.8M, and diluted EPS of $8.29, up from FY2024, ended 2024-12-31, when revenue was $127.3M, net income was $19.8M, and diluted EPS was $6.01. But over five years FairStock classifies it as a Slow Grower, with profit up 3.9% a year and revenue up 0.4% a year. At the 2026-10-13 close of $104.13, FairStock's P/E is 11.62, P/B is 1.22, ROE is 11.27%, dividend yield is 1.84%, beta is 0.34, and PEG is 0.45. The price is not demanding, but 1.22 times book for an 11% ROE bank is no gift. Piotroski is 4/9, suggesting only mediocre financial statement momentum. D/E is N/A, and CET1, NIM, and credit metrics are not in the data. I would want those before underwriting the credit cycle.

In plain English: C&F Financial is a small regional bank holding company that takes deposits, makes loans, and also runs mortgage and consumer finance businesses. The latest reported quarters show higher revenue and profit than a year earlier, but the long-run growth record is slow and returns are modest. At $104.13, the price looks roughly fair to somewhat cheap based on its earnings and net asset value, though not a clear bargain.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · fiscal Q2 2025 10-Q (period ended 2025-06-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer