C&F Financial Corporation (CFFI) Stock Score, Valuation & Financial Research
C&F Financial Corporation is in the Financial Services sector and Banks - Regional industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 61/100.
Quick answer for CFFI
C&F Financial Corporation currently has a Wall Street Score of 61/100. The stored market price is $96.26. Its financial score is 53/100. Its valuation score is 97/100. The latest WSS change is -0.6 points. These figures are a research snapshot, not a buy or sell recommendation.
What C&F Financial Corporation does
C&F Financial Corporation functions as a bank holding company, providing oversight for Citizens and Farmers Bank, which delivers a comprehensive range of banking services to both individuals and businesses. Its Retail Banking division offers a diverse suite of services, including checking and savings accounts, in addition to various loan products such as business, real estate, development, mortgage, home equity, and installment loans. This segment also ensures convenient access to amenities like ATMs, internet and mobile banking, and debit and credit cards. Further services include safe deposit box rentals, notary public assistance, electronic transfers, and other standard banking facilities. These retail services are provided through its main office situated in West Point, Virginia, supplemented by 30 additional branches across the state. One branch each is found in Albermarle, Goochlan
CFFI financial snapshot
- Wall Street Score:
- 61/100
- Current price:
- $96.26
- Market capitalization:
- $313.3M
- Revenue:
- $192.0M
- Net income:
- $29.1M
- Free cash flow:
- $22.2M
- Cash:
- $62.1M
- Total debt:
- $118.2M
- EPS:
- 8.97
- P/E ratio:
- 10.7x
- Financial score:
- 53/100
- Valuation score:
- 97/100
- Revenue score:
- 34/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $22.2M, showing positive cash generation.
- The balance sheet shows $62.1M of cash versus $118.2M of total debt, so leverage deserves attention.
- The latest Wall Street Score change is -0.6 points: CFFI decreased 0.6 points because some fundamentals weakened.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 53/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-14.
How to research CFFI
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.