CFFI Valuation

C&F Financial Corp

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68.590

-1.05(-1.508%)1D

Overview
Forecast
Valuation
Earnings

CFFI Relative Valuation

CFFI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, CFFI is overvalued; if below, it's undervalued.

Historical Valuation

C&F Financial Corp (CFFI) is now in the Fair zone, suggesting that its current forward PS ratio of 0.00 is considered Fairly compared with the five-year average of 0.00. The fair price of C&F Financial Corp (CFFI) is between to according to relative valuation methord.

Relative Value

Fair Zone

Current Price：68.59

Fair

0.00

Trailing

Forward

0.00

EV/EBITDA

C&F Financial Corp. (CFFI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.

0.00

EV/EBIT

C&F Financial Corp. (CFFI) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.

0.00

C&F Financial Corp. (CFFI) has a current PS of 0.00. The 5-year average PS is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward PS of 0.00 falls within the Strongly Undervalued range.

0.00

P/OCF

C&F Financial Corp. (CFFI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.

0.00

P/FCF

C&F Financial Corp. (CFFI) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.

C&F Financial Corp (CFFI) has a current Price-to-Book (P/B) ratio of 0.92. Compared to its 3-year average P/B ratio of 0.92 , the current P/B ratio is approximately 0.03% higher. Relative to its 5-year average P/B ratio of 0.89, the current P/B ratio is about 4.17% higher. C&F Financial Corp (CFFI) has a Forward Free Cash Flow (FCF) yield of approximately 13.94%. Compared to its 3-year average FCF yield of 24.89%, the current FCF yield is approximately -44.00% lower. Relative to its 5-year average FCF yield of 20.67% , the current FCF yield is about -32.58% lower.

0.92

P/B

Median3y

0.92

Median5y

0.89

13.94

FCF Yield

Median3y

24.89

Median5y

20.67

Competitors Valuation Multiple

The average P/S ratio for CFFI's competitors is 1.67, providing a benchmark for relative valuation. C&F Financial Corp Corp (CFFI) exhibits a P/S ratio of 0.00, which is -100.00% above the industry average. Given its robust revenue growth of 15.25%, this premium appears unsustainable.

P/S

P/E

EV/EBITDA

EV/EBIT

P/S

Revenue Growth

Market Cap

Princeton Bancorp Inc

Investar Holding Corp

Middlefield Banc Corp

2.94

15.60%

230.64M

Performance Decomposition

Market capitalization of CFFI increased by 19.80% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 18.62 to 24.93.

The secondary factor is the Revenue Growth, contributed 15.25%to the performance.

Overall, the performance of CFFI in the past 1 year is driven by Margin Expansion. Which is more sustainable.

15.25%

27.04M → 31.16M

Revenue Growth

33.89%

18.62 → 24.93

Margin Expansion

-29.34%

12.84 → 9.07

P/E Change

19.80%