CCNE vs CFFI

CNB Financial Corporation vs C&F Financial Corporation — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — CCNE scores higher on quality with 8.7/10 vs CFFI's 8.0/10. CCNE trades at $30.76 while CFFI trades at $73.07. Both analyzed daily using SEC EDGAR data across 13 institutional models.

CCNE

Banks - Regional
CNB Financial Corporation
Quality
8.7
out of 10
Value Trap
11
SAFE
Price
$30.76
Last close
Models
11/13
Active
VS

CFFI

Banks - Regional
C&F Financial Corporation
Quality
8.0
out of 10
Value Trap
30
LOW
Price
$73.07
Last close
Models
11/13
Active
CCNE
Earnings Power Value sees +1.9% upside
Limited to 2/13 visible models
CFFI
Bayesian DCF sees +40.2% upside
Limited to 2/13 visible models

CCNE vs CFFI — Fair Value Comparison

CCNE
$0$12$25$37 Price$30.76 Bayesian …$21.38 (-30.5%) Earnings …$31.34 (+1.9%)
CFFI
$0$40$81$121 Price$73.07 Bayesian …$102.44 (+40.2%) Earnings …$80.70 (+10.4%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType CCNE Fair ValueCCNE Upside CFFI Fair ValueCFFI Upside
Bayesian DCF Intrinsic $21.38 -30.5% $102.44 +40.2%
Earnings Power Value Intrinsic $31.34 +1.9% $80.70 +10.4%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

CCNE vs CFFI — Which Stock Is More Undervalued in 2026?

CCNE scores higher with a 8.7/10 quality rating vs CFFI's 8.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do CCNE and CFFI Valuations Compare?

At $30.76, CCNE trades +30.5% above its Bayesian DCF fair value of $21.38, while CFFI at $73.07 trades +40.2% below its estimate of $102.44. CFFI shows a wider gap between price and intrinsic value.

Quality of Company: CCNE vs CFFI

CCNE earns a Quality of Company score of 8.7/10 compared to CFFI's 8.0/10. The scores are closely matched, indicating similar fundamental quality profiles. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: CCNE vs CFFI

CCNE carries a SAFE value trap risk (11/100) while CFFI shows LOW risk (30/100). Both companies show manageable value trap risk, suggesting their current valuations are not artificially depressed by fundamental deterioration.

Both in Banks - Regional

Both CCNE and CFFI operate in Banks - Regional, which has 329 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).

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