C&F Financial (C&F Financial) GF Value

: $52.25 (As of Today)

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The GF Value represents the current intrinsic value of a stock derived from our exclusive method. The GF Value Line on our summary page gives an overview of the fair value that the stock should be traded at. It is calculated based on three factors:

Historical multiples (PE Ratio, PS Ratio, PB Ratio and Price-to-Free-Cash-Flow) that the stock has traded at.
GuruFocus adjustment factor based on the company’s past returns and growth.
Future estimates of the business performance.

We believe the GF Value Line is the fair value that the stock should be traded at. The stock price will most likely fluctuate around the GF Value Line. If the stock price is significantly above the GF Value Line, it is overvalued and its future return is likely to be poor. On the other hand, if it is significantly below the GF Value Line, its future return will likely be higher.

Please note, "Possible Value Trap, Think Twice" is for the companies that look very undervalued, but either in the long term trend of business decline, or in financial distress.

As of today (2024-04-19), C&F Financial's share price is $36.61. C&F Financial's GF Value is $52.25. Therefore, C&F Financial's Price-to-GF-Value for today is 0.70.

Based on the relationship between the current stock price and the GF Value, GuruFocus believes C&F Financial is Significantly Undervalued.

C&F Financial (NAS:CFFI) GF Value Explanation

Based on the relationship between the current stock price and the GF Value, GuruFocus provides the following 6 evaluations:

Posssible Evaluations	All-in-One Screener Examples (2)
Possible Value Trap, Think Twice (1)	Predictable Companies that possibly be Value Traps
Significantly Overvalued	Predictable Companies which are Significantly Overvalued
Modestly Overvalued	Predictable Companies which are Modestly Overvalued
Fairly Valued	Predictable High Quality Companies which are Fairly Valued
Modestly Undervalued (3)	Predictable High Quality Companies which are Modestly Undervalued
Significantly Undervalued (3)	Predictable High Quality Companies which are Significantly Undervalued

(1) "Possible Value Trap, Think Twice" is for the companies that look very undervalued, but either in the long term trend of business decline, or in financial distress.

(2) These are some simple examples. You can access our GF Valuation filter under All-in-One Screener’s Fundamental tab, and Price-to-GF-Value filter under Valuation Ratio tab and set your own criteria.

(3) There is only a sufficient margin of safety when the stock is undervalued.

C&F Financial's Price-to-GF-Value for today is calculated as

Price-to-GF-Value	=	Share Price	/	GF Value
	=	36.61	/	52.25
	=	0.70

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

C&F Financial GF Value Related Terms

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C&F Financial (C&F Financial) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » C&F Financial Corp (NAS:CFFI) » Definitions » GF Value

Comparable Companies

Traded in Other Exchanges

N/A

Address

3600 La Grange Parkway, Toano, VA, USA, 23168

Website

https://www.cffc.com

C&F Financial Corp is an American bank holding company. The company through its subsidiaries offers banking and related financial services to both individuals and businesses. It operates in three business activities: Community Banking, Mortgage Banking, and Consumer Finance. It mainly provides a range of lending activities, which include residential mortgage loans, commercial real estate loans, non-prime automobile lending, land acquisition, and development loans, and consumer loans. The company generates maximum revenue from the Community Banking segment.

Executives

Seaman John A Iii	other: Chief Credit Officer	802 MAIN STREET, WEST POINT VA 23181
Thomas F Cherry	officer: Senior Vice President & CFO
S Dustin Crone	other: President of Major Subsidiary	802 MAIN STREET, WEST POINT VA 23181
Audrey Dale Holmes	director	5120 ADKINS ROAD, PROVIDENCE FORGE VA 23140
Larry G Dillon	director, officer: Chairman, President & CEO
Hudson James H Iii	director
Jeffery O Smith	director	3600 LA GRANGE PKWY, TOANO VA 23168
D Anthony Peay	director	3600 LA GRANGE PKWY, TOANO VA 23168
Jason E Long	officer: Chief Financial Officer	4136 LONGVIEW LANDING, WILLIAMSBURG VA 23188
Sisson George R Iii	director	3600 LAGRANGE PARKWAY, TOANO VA 23168
Bryan Edwin Mckernon	other: President of major subsidiary	1400 ALVERSER DRIVE, MIDLOTHIAN VA 23113
Causey J P Jr	director	1021 EAST CARY STREET, PO BOX 2350, RICHMOND VA 23218-2350
Barry R Chernack	director
Julie R Agnew	director	100 PIERCES COURT, WILLIAMSBURG VA 23185
Elizabeth R Kelley	director	324 5TH STREET, WEST POINT VA 23181