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C&F Financial Corporation CFFI NASDAQ

NASDAQ Global Select • Financial Services • Banks - Regional • US • USD

SharesGrow Score
60/100
2/6 Pass
SharesGrow Intrinsic Value
$230.15
+202%
SharesGrow 7-Criteria Score All 7 criteria scored · valuation-related highlighted on this page

C&F Financial Corporation (CFFI) trades at a trailing P/E of 8.8. Trailing earnings yield is 11.35%. PEG 0.23 (Peter Lynch undervalued ≤1.0). Graham Number is $122.93.

Criteria proven by this page:

  • VALUE (34/100, Fail) — the composite valuation score falls below the 60/100 threshold required to pass.
  • PEG Ratio 0.23 — below 1.0 suggests the stock is undervalued relative to its earnings growth rate (Peter Lynch criterion).
  • Trailing Earnings Yield 11.35% — exceeds typical bond yields (~4.3%), making equity attractive vs fixed income.

Overall SharesGrow Score: 59/100 with 2/7 criteria passed.

SharesGrow 7-Criteria Score
60/100
SG Score
View full scorecard →
VALUE
34/100
Price-to-Earnings & upside
Proven by this page
FUTURE
N/A
No coverage
PAST
100/100
→ Income
~
HEALTH
67/100
Debt-to-Equity & liquidity
→ Health
MOAT
43/100
→ Income
GROWTH
63/100
→ Income
~
INCOME
55/100
→ Income

Valuation Snapshot — CFFI

Valuation Multiples
P/E (TTM)8.8
Forward P/EN/A
PEG Ratio0.23
Forward PEGN/A
P/B Ratio0.90
P/S Ratio1.29
EV/EBITDA9.4
Per Share Data
EPS (TTM)$8.29
Book Value / Share$81.03
Revenue / Share$56.77
FCF / Share$6.74
Yields & Fair Value
Earnings Yield11.35%
Dividend Yield2.55%
Graham Number$122.93
SharesGrow IV$230.15 (+202%)

Historical Valuation

Year P/E (TTM) PEG Ratio P/B Ratio P/S Ratio Dividend Yield
2016 12.8 2.14 1.24 1.49 2.59%
2017 30.8 -0.60 1.43 1.73 2.29%
2018 10.3 0.06 1.23 1.59 2.65%
2019 10.1 1.63 1.16 1.53 2.69%
2020 6.1 0.57 0.70 0.91 4.10%
2021 6.4 0.21 0.88 1.32 3.08%
2022 7.0 1.64 1.05 1.66 2.81%
2023 9.9 -0.60 1.07 1.55 2.57%
2024 11.9 -0.90 1.04 1.41 2.46%
2025 8.8 0.23 0.90 1.26 2.53%

EPS: Actual vs Estimates

P/E Ratio & Earnings Yield

Earnings Per Share (EPS) History

Year EPS (Diluted) Revenue Net Income Net Margin
2016 $3.89 $115.49M $13.46M 11.7%
2017 $1.88 $116.83M $6.57M 5.6%
2018 $5.15 $117.47M $18.02M 15.3%
2019 $5.47 $124.79M $18.86M 15.1%
2020 $6.06 $148.21M $22.12M 14.9%
2021 $7.95 $139.98M $28.67M 20.5%
2022 $8.29 $123.45M $29.16M 23.6%
2023 $6.92 $149.76M $23.6M 15.8%
2024 $6.01 $166.51M $19.83M 11.9%
2025 $8.29 $186.13M $26.84M 14.4%
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