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C&F FinancialCFFI +1.71%66 12-1 Month Momentum % is 21.61% as of Sep. 14, 2026. GuruFocus rates CFFI with a GF Score™ of 66/100 and a GF Value™ of $72.76 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,589 Banks companies, C&F Financial ranks better than 54.19% on this metric.
12-1 Month Momentum % is the total return of the stock from 12-month ago to 1-month ago. As of today (2026-09-14), C&F Financial's 12-1 Month Momentum % is 21.61%.
The industry rank for C&F Financial's 12-1 Month Momentum % or its related term are showing as below:
CFFI's 12-1 Month Momentum % is ranked better than 54.19% of 1589
companies
in the Banks industry
Industry Median: 18.41
vs CFFI: 21.61
Momentum investing is a trading strategy in which investors buy securities that are rising and sell before the prices start to go back down. The 12-1 Month Momentum % measures the total return to a stock over the past twelve months, but ignores the previous month.
The reason why the most recent month’s return dropped related to the short-term reversal effect associated with momentum. There is an academic finding that short-term momentum actually has a reversal effect, whereby the previous winners (measured over the past months) do poorly the next month, while the previous losers do well the next month. In order to eliminate the short-term reversal effect, the previous month return was not included in this calculation.
C&F Financial 12-1 Month Momentum % Related Terms
CFFI vs ISBA, CCFN, CBNA: 12-1 Month Momentum % Comparison
For the Banks - Regional subindustry, C&F Financial's 12-1 Month Momentum %, along with its competitors' market caps and 12-1 Month Momentum % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
C&F Financial 12-1 Month Momentum % vs Banks Industry
For the Banks industry and Financial Services sector, C&F Financial's 12-1 Month Momentum % distribution charts can be found below:
* The bar in red indicates where C&F Financial's 12-1 Month Momentum % falls into.
* 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 (CFFI) has a 12-1 Month Momentum % of 21.61% as of Sep. 14, 2026. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on C&F Financial and its competitors. According to the industry distribution chart, C&F Financial ranks #728 out of 1589 companies in the Banks industry, placing it in the top 45.8%.
Is C&F Financial's 12-1 Month Momentum % too high?
C&F Financial's current 12-1 Month Momentum % is 21.61%. The Banks industry median 12-1 Month Momentum % is 18.41. C&F Financial's value of 21.61% is 17.4% above this industry median. Based on the distribution chart, C&F Financial ranks #728 out of 1589 companies in the Banks industry, which is above the industry midpoint. Overall, C&F Financial has a GF Score™ of 66/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does C&F Financial's 12-1 Month Momentum % compare to ISBA and CCFN?
According to the Banks industry distribution chart, C&F Financial ranks #728 out of 1589 companies for 12-1 Month Momentum %. This puts C&F Financial in the upper half of its industry. The industry median 12-1 Month Momentum % is 18.41. C&F Financial's value of 21.61% is 17.4% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 12-1 Month Momentum % for a Banks company?
The median 12-1 Month Momentum % among Banks companies is 18.41, based on 1,589 companies in the industry. Companies in the top quartile (top 25%) have a 12-1 Month Momentum % significantly above this median, while those in the bottom quartile fall well below. However, 12-1 Month Momentum % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. C&F Financial's current 12-1 Month Momentum % of 21.61% is 17.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 12-1 Month Momentum % mean?
A high 12-1 Month Momentum % can signal that a stock is expensive relative to its fundamentals. 12-1 Month Momentum measures the total return of the stock from 12-month ago to 1-month ago. View historical data on C&F Financial and its competitors. For the Banks industry, the median 12-1 Month Momentum % is 18.41 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. C&F Financial's current 12-1 Month Momentum % is 21.61%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is C&F Financial stock overvalued right now?
Based on GuruFocus' analysis, C&F Financial (CFFI) is currently considered Significantly Overvalued. The stock's GF Value™ is $72.76, compared to a current price of $95.00 — trading 30.6% above its estimated fair value. The current 12-1 Month Momentum % is 21.61% and 17.4% above the Banks industry median of 18.41. C&F Financial's overall GF Score™ is 66/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 12-1 Month Momentum % calculated?
12-1 Month Momentum % is calculated from a company's financial statements. For C&F Financial (CFFI), the current 12-1 Month Momentum % is 21.61% as of Sep. 14, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is C&F Financial (CFFI) Overvalued in 2026?
Based on GuruFocus' analysis, C&F Financial stock appears to be overvalued.
The current stock price of $95.00 is trading 30.6% above its estimated GF Value™ of $72.76.
GuruFocus considers C&F Financial to be Significantly Overvalued.
Key valuation signals for CFFI:
12-1 Month Momentum %: 21.61%
GF Value™: $72.76 vs. price of $95.00 (30.6% above fair value)
Industry Position: 17.4% above the Banks median (#728 of 1589)
No single metric tells the full story. See the CFFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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 of its revenue from the Community Banking segment.
66GF Score
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