C&F Financial Corporation (CFFI) Fair Value 2026

CFFI · Banks - Regional ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

7.7 /10

32 fundamental signals · 6 models active

Value Trap Risk

SAFE (6/100)

Quick Summary — As of 2026-08-27, C&F Financial Corporation (CFFI) trades at $90.60, versus a $83.86 median fair value across its 6 active models — 7.4% below the current price. QOC: 7.7/10. Value Trap Risk: 6/100 (SAFE). 6/13 models active.

Key Facts

Ticker
CFFI
Price
$90.60
Quality Score
7.7/10
Value Trap Risk
6/100
Models Active
6/13
Last Updated
Strength: Earnings Power Value suggests +0.7% upside with 72% confidence
Risk: Majority of models suggest overvaluation

Is C&F Financial Corporation (CFFI) Undervalued or Overvalued in 2026?

According to CirclFi’s 6-model valuation engine, C&F Financial Corporation (CFFI) appears fairly valued as of : the median of 6 independent fair value estimates is $83.86, within 7.4% of the current price of $90.60. Estimates range from $30.02 to $108.19. CFFI scores 7.7/10 on fundamental quality and 6/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. CFFI’s -7.4% gap is narrower than that market norm, and the Banks - Regional sector median is -22.0%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy C&F Financial Corporation Stock in 2026? →

What Fair Value Does Each Model Give CFFI?

6 Intrinsic Value Models vs. Current Price ($90.60)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $91.26 +0.7%
Ensemble · Medium Conviction
 $77.99 -13.9%
Intrinsic · High Conviction
 $30.02 -66.9%
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What Is CFFI's Fair Value Range?

Spread across 6 independent models · $30.02 to $108.19

CirclFi's 6 active models place C&F Financial Corporation (CFFI) between $30.02 and $108.19 per share, a spread of 93% of the median. The median of that range — $83.86 — is the fair value CirclFi publishes for CFFI, against a current price of $90.60.

Low · Markov DDMHigh · ML-RIV
$30.02median $83.86$108.19
Where the range comes from
Most bearish modelMarkov DDM$30.02
Most bullish modelML Residual Income$108.19
Model agreement1 bullish · 3 bearishmoderate

A band of this width is typical. The methods agree on direction but weight growth, reinvestment and risk differently, so treat the median as a centre of gravity rather than a precise target.

Every figure above is one model's standalone output on CFFI, not a CirclFi price target. How each model works →

What Is C&F Financial Corporation (CFFI) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, C&F Financial Corporation's intrinsic value is estimated at $83.86, presenting a divided outlook at the current price of $90.60. With a median implied return of -7.4% across a split 1–3 (bull–bear) consensus, the model spread of +86.3% underscores analytical uncertainty. Notably, ML-RIV sees the most upside at +19.4% (fair value: $108.19), while Markov DDM is the most conservative at -66.9% ($30.02). The spread between these extremes — +86.3% — reveals how different analytical frameworks can reach starkly different conclusions. Among models with highest confidence, EPV lean bullish — adding weight to the bullish side of the thesis.

What Do the Models Say About CFFI?

6 of 13 models are currently active for CFFI. Of these, 2 models suggest upside while 4 models suggest overvaluation. Taken together, their median fair value for CFFI is $83.86 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does CFFI Rank in Banks - Regional?

Among 349 Banks - Regional stocks, CFFI ranks #241 by Quality of Company score. CirclFi's QOC score of 7.7/10 evaluates 32 fundamental signals. A score of 7.7 indicates above-average quality.

See all Most Undervalued Banks - Regional Stocks →

The Banks - Regional sector introduces analytical considerations specific to financial institution businesses. For C&F Financial Corporation, metrics like return on tangible equity provide important context that general-purpose valuation models may underweight.

Is CFFI a Value Trap?

CirclFi's Value Trap algorithm assigns CFFI a score of 6/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

6 of 13 models are active for C&F Financial Corporation. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Deep Alpha Valuation Engine, C&F Financial Corporation scores 7.7 out of 10 on our 32-signal quality assessment, a strong rating that demonstrates strong fundamentals across the majority of our quality signals. The QOC score synthesizes profitability margins, revenue growth reliability, debt management, and capital allocation into a single metric designed to separate durable businesses from statistically cheap ones.

The gap between the most bullish and bearish model spans +86.3% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every CFFI valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across CFFI's 6 active models, average confidence is 46%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy C&F Financial Corporation Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Banks - Regional Stocks Should You Also Analyze?

11 related Banks - Regional stocks with 13-model coverage

VLYValley National BancorpQOC 7.7SBSISouthside Bancshares, Inc.QOC 7.7PFBXPeoples Financial CorporationQOC 7.7ASRVAmeriServ Financial, Inc.QOC 7.7BOHBank of Hawaii CorporationQOC 7.7CHMGChemung Financial CorporationQOC 7.6NSTSNSTS Bancorp, Inc.QOC 6.2FMFGFarmers and Merchants Bancshares, Inc.QOC 8.4FNRNFirst Northern Community BancorpQOC 8.1ESQEsquire Financial Holdings, Inc.QOC 9.1PEBOPeoples Bancorp Inc.QOC 9.1

Read investment analysis: VLY · SBSI · PFBX · ASRV · BOH · CHMG · NSTS · FMFG · FNRN · ESQ · PEBO

Which Other Stocks Have a Similar Quality Score to CFFI?

7 companies across all industries closest to CFFI’s Quality of Company score of 7.7/10.

HVTHaverty Furniture Companies, Inc.QOC 7.7OPYOppenheimer Holdings Inc.QOC 7.7FORForestar Group Inc.QOC 7.7RMAXRE/MAX Holdings, Inc.QOC 7.7GXOGXO Logistics, Inc.QOC 7.7PDSPrecision Drilling CorporationQOC 7.7NVDANVIDIA CorporationQOC 10.0

Read investment analysis: HVT · OPY · FOR · RMAX · GXO · PDS · NVDA

Where Does CFFI Sit in CirclFi's Banks - Regional Rankings?

CFFI is ranked against every other Banks - Regional stock CirclFi covers in each of these screens.

See all Banks - Regional stocks ranked →

What Else Do Investors Ask About C&F Financial Corporation’s Valuation?

What is C&F Financial Corporation's intrinsic value in 2026?

CirclFi puts C&F Financial Corporation (CFFI)'s intrinsic value at $83.86 — the median of 6 independent model estimates as of 2026-08-27, ranging from $30.02 to $108.19. The Quality of Company score is 7.7/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is CFFI overvalued or undervalued right now?

At $90.60, 2 of 6 active models suggest CFFI may be undervalued, while 4 indicate potential overvaluation. The median of all 6 fair value estimates is $83.86, within 7.4% of the current price of $90.60 — a consensus view that CFFI is fairly valued. The assessment depends on which methodology best fits C&F Financial Corporation's business model in Banks - Regional.

What does a Quality of Company score of 7.7 mean for CFFI?

C&F Financial Corporation's QOC of 7.7/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on CFFI?

CirclFi analyzes CFFI with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 6 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on CFFI?

Of the 6 models currently active on CFFI, ML Residual Income is the most bullish at $108.19 per share, and Markov DDM is the most bearish at $30.02. CirclFi's published fair value for CFFI is the median of that range, $83.86, not either extreme. The gap between the two ends equals 93% of the median — a normal spread for a company of this profile. Browse stocks by value-trap risk →

Is CFFI a value trap in 2026?

C&F Financial Corporation's Value Trap score is 6/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 6-model valuation engine, C&F Financial Corporation (CFFI) has a median fair value of $83.86 — within 7.4% of the current price of $90.60 — as of 2026-08-27.” Source: circlfi.com/stock/CFFI/ · Methodology
Primary sources for this CFFI valuation
  • Financial statements: C&F Financial Corporation 10-K and 10-Q filings on SEC EDGAR (CIK 0000913341) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for CFFI as of ; valuations recomputed .

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