CFFI vs CFR

C&F Financial Corporation vs Cullen/Frost Bankers, Inc. — Valuation Comparison 2026

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

Quick Summary — CFR scores higher on quality with 8.2/10 vs CFFI's 8.0/10. CFFI trades at $73.07 while CFR trades at $135.54. Both analyzed daily using SEC EDGAR data across 13 institutional models.

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
VS

CFR

Banks - Regional
Cullen/Frost Bankers, Inc.
Quality
8.2
out of 10
Value Trap
Price
$135.54
Last close
Models
11/13
Active
CFFI
Bayesian DCF sees +40.2% upside
Limited to 2/13 visible models
CFR
Earnings Power Value sees +86.3% upside
Limited to 2/13 visible models

CFFI vs CFR — Fair Value Comparison

CFFI
$0$40$81$121 Price$73.07 Bayesian …$102.44 (+40.2%) Earnings …$80.70 (+10.4%)
CFR
$0$99$199$298 Price$135.54 Bayesian …$116.57 (-14.0%) Earnings …$252.46 (+86.3%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType CFFI Fair ValueCFFI Upside CFR Fair ValueCFR Upside
Bayesian DCF Intrinsic $102.44 +40.2% $116.57 -14.0%
Earnings Power Value Intrinsic $80.70 +10.4% $252.46 +86.3%
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 $•••.•• ••.•% $•••.•• ••.•%

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

CFR scores higher with a 8.2/10 quality rating vs CFFI's 8.0/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do CFFI and CFR Valuations Compare?

At $73.07, CFFI trades +40.2% below its Bayesian DCF fair value of $102.44, while CFR at $135.54 trades +14.0% above its estimate of $116.57. CFFI shows a wider gap between price and intrinsic value.

Quality of Company: CFFI vs CFR

CFFI earns a Quality of Company score of 8.0/10 compared to CFR's 8.2/10. 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: CFFI vs CFR

Review the value trap analysis for both CFFI and CFR to assess whether apparent undervaluation reflects genuine opportunity or hidden fundamental risk.

Both in Banks - Regional

Both CFFI and CFR 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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