Is C&F Financial Corp. overvalued or undervalued?

As of 24 July 2025, C&F Financial Corp. has moved from a fair to a very attractive valuation grade. The company appears undervalued, supported by a P/E ratio of 10, a Price to Book Value of 0.90, and an EV to EBITDA ratio of 8.14. In comparison to peers, Bank7 Corp. has a P/E ratio of 10.50, while Parke Bancorp, Inc. shows a more attractive P/E of 8.89, indicating that C&F Financial Corp. is competitively positioned within its industry.
Despite a year-to-date return of 0.76% compared to the S&P 500's 12.22%, the one-year return of 24.40% outperformed the S&P 500's 17.14%, reinforcing the attractiveness of the stock. Overall, the valuation metrics suggest that C&F Financial Corp. is a compelling investment opportunity within the regional banks sector.