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C&F Financial Corporation

ID: CFFI SECTOR: Financial Services INDUSTRY: Banks - Regional
78.13
+1.30 (1.69%)
Ref: 2026-04-10
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Valuation Snapshot

Intrinsic Range $59.78 β€” $89.67
Selected Value (Mid) $74.72
Current Price $78.13
Upside / Downside (Mid) -4.36%
Latest Year 2025
Years Averaged 5

EPV Per Share

Scenario EPV / Share Upside %
Low (βˆ’20%) $59.78 -23.49%
Mid (Base) $74.72 -4.36%
High (+20%) $89.67 14.77%

Model Assumptions

Normalized EBIT Margin (avg 5Y) 21.78%
Tax Rate (avg 5Y) 19.70%
WACC (Discount Rate) 9.00%
Current Revenue $186.13M
Normalized EBIT $40.53M
NOPAT (Base) $32.55M

Valuation Bridge

Metric Low Mid High
EBIT Margin 17.42% 21.78% 26.13%
NOPAT (M) $26.04M $32.55M $39.06M
EPV Enterprise (M) $289.32M $361.64M $433.97M
(βˆ’) Net Debt (M) $119.71M $119.71M $119.71M
(=) EPV Equity (M) $193.55M $241.93M $290.32M
(Γ·) Shares 3,237,634 3,237,634 3,237,634
(=) Fair Value / Share $59.78 $74.72 $89.67

Historical EPV Analysis

Year Revenue (M) EBIT Margin Tax Rate NOPAT (M) EPV EV (M) EPV / Share
2025 $186.13M 17.77% 18.38% $26.99M $299.90M $55.65
2024 $166.51M 14.49% 17.47% $19.92M $221.31M $49.78
2023 $149.76M 19.47% 18.58% $23.75M $263.84M $67.25
2022 $123.45M 29.94% 20.55% $29.37M $326.32M $74.18
2021 $139.98M 27.21% 23.53% $29.12M $323.59M $138.97
2020 $148.21M 19.71% 23.26% $22.42M $249.16M $71.16
2019 $124.79M 19.18% 21.24% $18.85M $209.44M $61.93
2018 $117.47M 19.19% 20.06% $18.02M $200.22M $44.43
2017 $116.83M 15.38% 40.00% $10.78M $119.77M $20.46
2016 $115.49M 15.52% 24.89% $13.46M $149.54M $25.51

High-Upside EPV Screener

US Market Global Market
1 »
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