CFFI (C&F Financial) ROC %: % (As of Mar. 2026)


CFFI C&F Financial Corp CFFI
67 GF Score
Price $86.18
GF Value $73.86
Valuation Modestly Overvalued
! 4 Warning Signs
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What is C&F Financial ROC %?

C&F Financial CFFI +7.78% 67 ROC % is % as of Mar. 2026. GuruFocus rates CFFI with a GF Score™ of 67/100 and a GF Value™ of $73.86 (Modestly Overvalued). The stock has 4 warning signs investors should review.

ROC %does not apply to banks.

CFFI
67GF Score
C&F Financial Corp CFFI
ROC % is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about ROC % →
What does a ROC % of % mean?
C&F Financial (CFFI) has a ROC % of % as of Mar. 2026. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on C&F Financial and its competitors.
Is C&F Financial's ROC % too high?
C&F Financial's current ROC % is %. Overall, C&F Financial has a GF Score™ of 67/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does C&F Financial's ROC % compare to CBNA and LCNB?
C&F Financial's ROC % of % can be compared against companies in the Banks industry. The industry median ROC % is 1.98. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROC % for a Banks company?
The median ROC % among Banks companies is 1.98, based on 48 companies in the industry. Companies in the top quartile (top 25%) have a ROC % significantly above this median, while those in the bottom quartile fall well below. However, ROC % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROC % mean?
A high ROC % can signal that a stock is expensive relative to its fundamentals. Return on capital is the ratio of current-period net income to average two-period capital. View historical data on C&F Financial and its competitors. For the Banks industry, the median ROC % is 1.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. C&F Financial's current ROC % is %. 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 Modestly Overvalued. The stock's GF Value™ is $73.86, compared to a current price of $86.18 — trading 16.7% above its estimated fair value. The current ROC % is %. C&F Financial's overall GF Score™ is 67/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROC % calculated?
ROC % is calculated from a company's financial statements. For C&F Financial (CFFI), the current ROC % is % as of Mar. 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 $86.18 is trading 16.7% above its estimated GF Value™ of $73.86. GuruFocus considers C&F Financial to be Modestly Overvalued.

Key valuation signals for CFFI:

  • ROC %: %
  • GF Value™: $73.86 vs. price of $86.18 (16.7% above fair value)
  • GF Score™: 67/100 with 4 warning signs

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 Business Description

Address 3600 La Grange Parkway, Toano, VA, USA, 23168
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.
67GF Score

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ROC % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$86.18
Price
$73.86
GF Value