CCNEP vs CFFI

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

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

Quick Summary — CCNEP scores higher on quality with 8.5/10 vs CFFI's 8.0/10. CCNEP trades at $24.68 while CFFI trades at $73.07. Both analyzed daily using SEC EDGAR data across 13 institutional models.

CCNEP

Banks - Regional
CNB Financial Corporation - Dep
Quality
8.5
out of 10
Value Trap
11
SAFE
Price
$24.68
Last close
Models
12/13
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
CCNEP
Earnings Power Value sees +67.0% upside
Limited to 2/13 visible models
CFFI
Bayesian DCF sees +40.2% upside
Limited to 2/13 visible models

CCNEP vs CFFI — Fair Value Comparison

CCNEP
$0$16$32$49 Price$24.68 Bayesian …$18.87 (-23.5%) Earnings …$41.21 (+67.0%)
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 CCNEP Fair ValueCCNEP Upside CFFI Fair ValueCFFI Upside
Bayesian DCF Intrinsic $18.87 -23.5% $102.44 +40.2%
Earnings Power Value Intrinsic $41.21 +67.0% $80.70 +10.4%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
PWERM Option-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

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

CCNEP scores higher with a 8.5/10 quality rating vs CFFI's 8.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do CCNEP and CFFI Valuations Compare?

At $24.68, CCNEP trades +23.5% above its Bayesian DCF fair value of $18.87, 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: CCNEP vs CFFI

CCNEP earns a Quality of Company score of 8.5/10 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: CCNEP vs CFFI

CCNEP 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 CCNEP 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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