Stock fact sheet · data as of
C&F Financial Corporation (CFFI): fair value, margin of safety and Wheel Score
Ticker symbol CFFI · Financial Services · Banks - Regional · United States · Blend
Is CFFI undervalued?
CFFI closed at 112.23 on 5 Nov 2026 against a GLS average fair value of 102.19 - 9.8% above fair value, which our scans read as "fairly priced". 4 of 9 models are above the current price. There is no discount to lean on here, so the margin of safety is not the reason to look at the stock.
The 9 models disagree widely: GLS Growth gives 6.90 while Graham Growth gives 209.70. A spread that wide means the average is sensitive to which methods you trust; the model table below shows where each one lands, and the Quote page lets you switch any of them off.
Ranked against every other company we cover, neither cheapness nor growth clearly wins for CFFI, so the nightly engine files it under Blend (value score 53, growth score 34, out of 100).
Nine valuation models for CFFI
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | 116.08 | +3% | Present value of the projected free cash flows, discounted at the cost of capital |
| Graham Number | 131.62 | +17% | The most a defensive investor pays for the earnings and book value per share |
| Graham Growth | 209.70 | +87% | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields |
| Lynch | 67.64 | -40% | EPS × the earnings growth rate (PEG of 1), growth capped at 25% |
| GLS Growth | 6.90 | -94% | EPS compounded ten years at the blended growth rate, discounted back at 15% a year |
| 10 Cap | 159.25 | +42% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | 97.09 | -13% | Eight years of compounded free cash flow: the price at which the business pays for itself |
| DDM | 27.96 | -75% | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend |
| EPV | 103.50 | -8% | Earnings power value: current EPS capitalised at 9% with no growth |
| Zombie (liquidation) | -642.26 | -672% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 115.00 | +2% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
Financial health is average - CFFI passes 6 of the nine Piotroski tests, which passes the "Piotroski 6 or more" Wheel Trade Filter. The Financials tab on the Quote page shows which tests fail. The GLS Moat score is 6.9 out of 10: a record that is solid on some of the four parts the score weighs (returns on capital, pricing power, lasting growth, balance sheet) and weaker on others.
Returns on capital are moderate - ROIC 7.2%, ROE 10.3%, ROA 1.0% - with debt at 0.43 times equity and a free-cash-flow yield of 5.1%.
The dividend yield is 1.69% at a payout ratio of 15%; for a wheel trader holding assigned shares the dividend adds to the covered-call premium, and the ex-dividend date is worth knowing before a call is sold. Revenue comes mainly from Community Banking 70%, Consumer Finance 16%, Mortgage Banking 12% (quarter Q2 FY2026).
Institutional ownership scores 5/10, insider activity 1/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 6 / 9 | ROIC | 7.2% |
|---|---|---|---|
| GLS Moat | 6.9 / 10 | ROE | 10.3% |
| Debt / equity | 0.43 | ROA | 1.0% |
| Free-cash-flow yield | 5.1% | Payout ratio | 15% |
| Institutions | 5 / 10 | Insiders · Congress | 1 · 5 / 10 |
Wheel Score 21: No options
CFFI has no listed options in the nightly snapshot, so there is nothing to sell and the stock cannot be wheeled however good the business. It fails the first Wheel Trade Filter (options that actually trade), so the score stays under 70 and is shown as "No options" (21 here). The valuation and quality numbers still apply to owning the shares outright.
Volume runs at 126k shares a day on a market cap of $365M, with a beta of 0.35 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score rates that fair.
| Filter | Wheel Trade Filter | Result | Detail |
|---|---|---|---|
| 1 | Options that actually trade | Fails | no listed options |
| 2 | A real business, not a gamble | Passes | Profitable over the last twelve months - not a speculative stock, fund or note |
| 3 | Below fair value | Fails | trades 10% above our fair value |
| 4 | Financially healthy | Passes | Piotroski F-score 6 or more out of 9 (a company with no score on file passes) |
| 5 | Can repay its debt | Passes | Long-term debt repaid from 3 years of operating cash flow or less (6 for real estate and utilities; banks and insurers are not judged on it) |
| 6 | No serious red flags | Passes | Red Flags score 60 or more out of 100 (earnings, margins, debt, analysts, filings and price checked the same way for every stock) |
| 7 | A premium worth selling | Fails | no implied volatility |
| 8 | Big enough | Fails | market cap $365M (under $1.0B) |
| 9 | Not a penny stock | Passes | Share price $5 or more |
| How it ranks | Rating | From | |
|---|---|---|---|
| Value | Weak | 10% above fair value | |
| Premium | Weak | no option data | |
| Moat | Good | moat 6.9/10 | |
| Health | Good | Piotroski 6/9 | |
| Red Flags | Fair | not scored yet - half marks | |
| Option trading | Weak | no option volume data | |
| Stability | Fair | beta 0.35, $365M company |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls: a stock must pass all 9 Wheel Trade Filters to score 70, and the score then ranks the ones that pass; the Sunday Scan is the top 10. It is updated nightly and is not a recommendation. How the Wheel Score works · the walkthrough lesson shows how it fits into a trade, start to finish.
Upcoming events
The next earnings report is due on 26 Jan 2027, 82 days away - outside the window of a 30-45-day put sold today.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
Similar stocks in Banks - Regional
The 12 companies below are the closest to C&F Financial Corporation by market cap within the Banks - Regional industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
| Stock | Close | Fair value | MoS | Wheel | Mkt cap |
|---|---|---|---|---|---|
| BRBS Blue Ridge Bankshares, Inc. | 4.07 | 2.23 | -82% | 30Weak | $365M |
| USCB USCB Financial Holdings, Inc. | 19.94 | 31.98 | +38% | 34No options | $368M |
| WSBF Waterstone Financial, Inc. | 20.50 | 31.04 | +34% | 45Weak | $369M |
| FCNCN First Citizens BancShares, Inc. Depositary Shares, each representing a 1/40th interest in a share of 6.625% Non-Cumulative Perpetual Preferred Stock, Series E | 22.40 | 2,724.89 | +99% | 29No options | $358M |
| FRST Primis Financial Corp | 15.07 | 57.28 | +74% | 41Weak | $374M |
| TSBK Timberland Bancorp, Inc. | 48.16 | 46.79 | -3% | 36Weak | $374M |
| FSBW FS Bancorp, Inc. | 44.47 | 76.16 | +42% | 36No options | $350M |
| AVBH Avidbank Holdings, Inc. | 34.92 | 48.67 | +28% | 30No options | $384M |
| MFGI Merchants Financial Group, Inc. | 47.00 | 38.33 | -23% | 20No options | $384M |
| MSBC Mission Bancorp | 125.00 | 136.80 | +9% | 26No options | $385M |
| BFCC BankFirst Capital Corporation | 64.97 | 105.15 | +38% | 35No options | $344M |
| COSO CoastalSouth Bancshares, Inc. | 28.75 | 48.39 | +41% | 33No options | $344M |
⚖ Compare CFFI with 7 of them All Financial Services stocks →
Scan the whole market the same way
A free GLS Equity account gets you nightly fair value and the Wheel Score on ~7,400 US stocks, a watchlist, the scanner preview and the Sunday Scan - the top 10 stocks that pass all 9 Wheel Trade Filters, emailed every week. Pro adds the full put and call scanners, unlimited watchlists with alerts and the trade journal.
Start free See the Sunday ScanQuestions about CFFI
Is CFFI undervalued right now?
Not meaningfully: at 112.23 the stock trades within a few percent of the GLS average fair value of 102.19 (9.8% above fair value, data as of 5 Nov 2026).
What is the Wheel Score of CFFI and what does it mean?
CFFI has no listed options in our nightly snapshot, so it cannot be wheeled; it fails the first Wheel Trade Filter (options that actually trade), stays under 70 and is shown as "No options".
What is the GLS fair value for CFFI?
102.19 per share as of 5 Nov 2026 - the simple average of the 9 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does C&F Financial Corporation report earnings next?
The next earnings report is due on 26 Jan 2027, 82 days from the data date of 5 Nov 2026. The Calendars page lists every upcoming report with its time of day.
Does CFFI have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on CFFI, so the wheel strategy cannot be run on it and the Wheel Score stays under 70.