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Upturn AI SWOT - About
CFFI 
C&F Financial Corporation (CFFI)
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Upturn Advisory Summary
04/01/2025: CFFI (2-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 18.23% | Avg. Invested days 39 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  2.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 240.23M USD | Price to earnings Ratio 13.16 | 1Y Target Price 34 |
Price to earnings Ratio 13.16 | 1Y Target Price 34 | ||
Volume (30-day avg) 11104 | Beta 0.37 | 52 Weeks Range 32.54 - 89.32 | Updated Date 03/31/2025 |
52 Weeks Range 32.54 - 89.32 | Updated Date 03/31/2025 | ||
Dividends yield (FY) 2.36% | Basic EPS (TTM) 5.66 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 16.43% | Operating Margin (TTM) 22.41% |
Management Effectiveness
Return on Assets (TTM) 0.76% | Return on Equity (TTM) 8.86% |
Valuation
Trailing PE 13.16 | Forward PE - | Enterprise Value 332705472 | Price to Sales(TTM) 1.99 |
Enterprise Value 332705472 | Price to Sales(TTM) 1.99 | ||
Enterprise Value to Revenue 2.82 | Enterprise Value to EBITDA - | Shares Outstanding 3225410 | Shares Floating 3012984 |
Shares Outstanding 3225410 | Shares Floating 3012984 | ||
Percent Insiders 7.42 | Percent Institutions 33.17 |
Analyst Ratings
Rating - | Target Price 34 | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
C&F Financial Corporation
Company Overview
History and Background
C&F Financial Corporation was founded in 1927 as a community bank in West Point, Virginia. Originally named Citizens and Farmers Bank, it has evolved through strategic acquisitions and expansions into a diversified financial services company.
Core Business Areas
- Retail Banking: Provides a range of banking services to individuals and small businesses, including deposit accounts, loans, and wealth management.
- Commercial Banking: Offers financial solutions for businesses, including commercial lending, treasury management, and business deposit accounts.
- Mortgage Banking: Originates and sells residential mortgage loans.
- Consumer Finance: Provides consumer loans, including automobile loans and personal loans, through its C&F Finance Company subsidiary.
Leadership and Structure
The leadership team includes the CEO, CFO, and other senior executives responsible for overseeing the company's various divisions. C&F has a traditional hierarchical structure with executive management at the top and various departments reporting to them. Tom Cherry is the CEO.
Top Products and Market Share
Key Offerings
- Mortgage Loans: Residential mortgage loans are a significant product, with originations primarily sold into the secondary market. Market share varies by region, but C&F competes with national and regional mortgage lenders like Wells Fargo and Rocket Mortgage. Revenue is not explicitly broken out. Competitors include Wells Fargo, Rocket Mortgage, and local credit unions.
- Commercial Loans: Provides loans to businesses for various purposes, including real estate, equipment, and working capital. Market share is concentrated in the Virginia region and faces competition from larger national banks. Revenue is not explicitly broken out. Competitors include Bank of America, Truist, and regional banks.
- Consumer Loans: Automobile and personal loans offered through C&F Finance Company. Faces competition from national and regional lenders. Revenue is not explicitly broken out. Competitors include Capital One, Ally Financial, and local credit unions.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and subject to regulatory changes, interest rate fluctuations, and economic cycles.
Positioning
C&F Financial Corporation positions itself as a community-focused financial institution with a diversified range of products and services. It aims to provide personalized service and build long-term relationships with its customers.
Total Addressable Market (TAM)
TAM for financial services is in the trillions of dollars. C&F is a small player positioned within this larger market, primarily serving the Virginia region.
Upturn SWOT Analysis
Strengths
- Strong community presence
- Diversified revenue streams
- Experienced management team
- Solid credit quality
Weaknesses
- Limited geographic reach
- Smaller scale compared to larger competitors
- Dependence on interest rate environment
- Higher cost structure compared to larger banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Acquisitions of smaller institutions
- Growth in wealth management services
Threats
- Increased competition from larger banks and fintech companies
- Regulatory changes and compliance costs
- Economic downturn
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- BOH (Bancorp of Hawaii)
- PB (Prosperity Bancshares)
- WSBC (WesBanco)
Competitive Landscape
C&F Financial Corporation competes with larger national and regional banks, as well as smaller community banks and credit unions. Its competitive advantages include its strong community presence and personalized service. Disadvantages include its smaller scale and limited geographic reach.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends can be determined by analyzing past financial performance, including revenue growth, loan growth, and asset growth.
Future Projections: Future growth projections depend on analyst estimates, which typically consider factors such as economic conditions, interest rates, and company-specific initiatives.
Recent Initiatives: Recent strategic initiatives could include acquisitions, branch expansions, technology investments, and new product launches. Examples could include expanding its footprint in Virginia, investing in digital banking platforms.
Summary
C&F Financial Corporation is a community-focused bank with a diversified business model. Its strengths lie in its local market presence and strong credit quality. However, it faces challenges related to its smaller scale and increasing competition from larger institutions and fintech companies. Future growth depends on successful expansion and adaptation to changing market conditions.
Similar Companies
- PB
- WSBC
- BOH
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Financial News Sources
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share data is estimated and may not be precise. Financial data is based on publicly available information and may be subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About C&F Financial Corporation
Exchange NASDAQ | Headquaters Toano, VA, United States | ||
IPO Launch date 1998-01-22 | President, CEO & Non Independent Director Mr. Thomas F. Cherry | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 545 | Website https://www.cffc.com |
Full time employees 545 | Website https://www.cffc.com | ||
C&F Financial Corporation operates as a bank holding company for Citizens and Farmers Bank that provides banking services to individuals and businesses. It operates through three segments: Community Banking, Mortgage Banking, and Consumer Finance. The Community Banking segment offers various banking services, including checking and savings deposit accounts, as well as business, real estate, development, mortgage, home equity, and installment loans. This segment also provides ATMs, Internet and mobile banking, peer-to-peer payment capabilities, and debit cards, as well as safe deposit box rentals, notary public, electronic transfer, and other customary bank services. The Mortgage Banking segment offers various residential mortgage loans; originates conventional mortgage loans, mortgage loans insured by the Federal Housing Administration, and mortgage loans guaranteed by the United States Department of Agriculture and the Veterans Administration; and ancillary mortgage loan production services to third parties for residential appraisals, as well as various mortgage origination activities. The Consumer Finance segment provides automobile loans. It also offers brokerage and wealth management services, and insurance products and services, as well as title and settlement agencies. C&F Financial Corporation was founded in 1927 and is based in Toano, Virginia.
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