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Stock Price: $106.25 • 11/12/26
C&F Financial (CFFI) runs Virginia community banks and provides mortgages and vehicle loans.
October 26 results showed quarterly reported profit rose 17% as lending grew and deposit costs eased. Selling low-yield securities and buying higher-yielding replacements helped margins. A new Lynchburg lending office adds a year-end growth test.
With a market cap of approximately $345 million, CFFI trades at approximately 10x annualized latest-quarter reported profit. Its December quarter will test loan growth against funding costs and defaults. Shares trade above book value; real-estate exposure, vehicle-loan losses, securities losses, regulation, dilution and thin trading remain risks.
Opinion: CFFI appears potentially undervalued if stronger banking margins and its Virginia expansion sustain profits without rising loan losses.
Daily closes 路 through Nov 11, 2026 路 Yahoo Finance
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