C & F FINANCIAL CORP (CFFI)
State Commercial Banks · Financial Services · $254M
Intrinsic Value (Consensus)
$169.77
Current Price
$78.34
Margin of Safety
+116.7%
116.7% Below Intrinsic Value
Value: $170
Price: $78
Valuation Model Estimates
Current Price: $78.34
DCF (Discounted Cash Flow)
$319.95
Graham Number
$122.60
Earnings Power Value
$80.49
Relative Value (P/E)
$165.80
Dividend Discount Model
$160.00
Consensus Value
$169.77
Model Assumptions
Discount Rate
10.3%
Growth Rate
20.0%
Terminal Growth
2.5%
Risk-Free Rate
4.3%
Discount rate derived from CAPM (risk-free rate + beta × market risk premium). Growth rate based on trailing earnings growth, capped at 20%.
Health Score
A
81
Profitability
18/25
Strength
22/25
Valuation
22/25
Growth
19/25
Financial Health Signals
Strong earnings growth (20% YoY)
High free cash flow yield (8.7%) — generating lots of cash relative to price
Key Financials
- EPS (TTM)
- $8.29
- EPS (Forward)
- $9.95
- Book Value
- $80.59
- P/E Ratio
- 20.0
- Forward P/E
- 16.7
- PEG Ratio
- —
- ROE
- 10.3%
- Debt/Equity
- 51%
- Revenue Growth
- 10.6%
- Earnings Growth
- 20.0%
- Dividend Yield
- 0.3%
- Beta
- 1.00
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Data last updated: 2026-06-21
Source: Yahoo Finance