C&F Financial Corp. (CFFI) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Bankwell Financial Group, Inc.

Primis Financial Corp.

Norwood Financial Corp.

Southern States Bancshares, Inc.

Parke Bancorp, Inc.

Bank7 Corp.

Plumas Bancorp

C&F Financial Corp.

Chemung Financial Corp.

Middlefield Banc Corp.

BCB Bancorp, Inc.

Why is C&F Financial Corp. ?

High Profitability with a Net Interest Margin of 1.32%

Strong Long Term Fundamental Strength with a 3.94% CAGR growth in Net Profits

Flat results in Dec 25

OPERATING CASH FLOW(Y) Lowest at USD 22.26 MM
ROCE(HY) Lowest at 1.01%
GROSS NPA (%)(Q) Highest at 0.11%

With ROA of 0.97%, it has a attractive valuation with a 0.90 Price to Book Value

Over the past year, while the stock has generated a return of 0.04%, its profits have risen by 35.4% ; the PEG ratio of the company is 0.3

High Institutional Holdings at 49.12%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
Their stake has increased by 0.7% over the previous quarter.

Underperformed the market in the last 1 year

The stock has generated a return of 0.04% in the last 1 year, much lower than market (S&P 500) returns of 11.87%

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to C&F Financial Corp. should be less than 10%
Overall Portfolio exposure to Regional Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is C&F Financial Corp. for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

C&F Financial Corp.

8.88%

1.56

36.51%

S&P 500

16.08%

0.62

19.30%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

9.35%

EBIT Growth (5y)

-2.11%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

22.20%

Pledged Shares

Institutional Holding

49.12%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.90

EV to EBIT

8.17

EV to EBITDA

7.40

EV to Capital Employed

0.91

EV to Sales

1.61

PEG Ratio

0.25

Dividend Yield

2.54%

ROCE (Latest)

11.08%

ROE (Latest)

10.23%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Sideways

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

OBV

Mildly Bullish

No Trend

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

6What is working for the Company

ROCE(HY)

Highest at 1.01%

NII(Q)

Highest at USD 27.52 MM

DIVIDEND PER SHARE(HY)

Highest at USD 0

NET SALES(Q)

Highest at USD 39.32 MM

-9What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at USD 22.26 MM

ROCE(HY)

Lowest at 1.01%

GROSS NPA (%)

CASH AND EQV(HY)

Lowest at USD 15.25 MM

Here's what is working for C&F Financial Corp.

NII

Highest at USD 27.52 MM

in the last five periods

MOJO Watch

The bank's income from core business is increasing

NII (USD MM)

Net Sales

Highest at USD 39.32 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (USD MM)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

Here's what is not working for C&F Financial Corp.

Operating Cash Flow

Lowest at USD 22.26 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (USD MM)

Non Performing Loans (%)

Highest at 0.11%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are increasing

Non Performing Loans (%)

Cash and Eqv

Lowest at USD 15.25 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is deteriorating

Cash and Cash Equivalents