CFFI trades 9.4% below Wall Street's consensus target of $115.00.
Last 12 months price action with 12-month analyst target path
The base valuation assumes CFFI achieves its forward estimates and maintains a stable P/E multiple of 11.0x. This scenario reflects the blended consensus of 1 Wall Street analysts, balancing both positive catalysts and macroeconomic headwinds over the next 12 months.
As of November 8, 2026, C&F Financial Corporation (CFFI) has a Wall Street consensus price target of $115.00, based on estimates from 1 covering analysts. With the stock currently trading at $105.12, this represents a potential upside of +9.4%. The company has a market capitalization of $342M.
Analyst price targets range from a low of $115.00 to a high of $115.00, representing a 0% spread in expectations. The median target of $115.00 aligns closely with the consensus average. The tight target dispersion indicates high conviction among analysts.
The current analyst consensus rating is Buy, with 1 analysts rating the stock as a Buy or Strong Buy,0 rating it Hold, and 0 rating it Sell or Strong Sell. This overwhelmingly bullish sentiment suggests analysts see significant catalysts for upside ahead.
From a valuation perspective, CFFI trades at a trailing P/E of 11.3x and forward P/E of 11.0x. The forward PEG ratio of 1.70 indicates reasonable valuation for growth. Analysts expect EPS to grow +2.6% over the next year.
Our proprietary valuation model, which blends historical multiples with forward estimates, suggests a base-case price target of $139.59, with bear and bull scenarios of $87.94 and $183.92 respectively. Model confidence stands at 44/100, suggesting limited visibility into future performance.
| Company | Market Cap | Price | Target | Upside Potential | Rating | Fwd P/E | Analysts |
|---|---|---|---|---|---|---|---|
 NKSHNational Bankshares, Inc. | $250M | $39.19 | — | — | Buy | 11.2x | 4 |
 CZWICitizens Community Bancorp, Inc. | $225M | $23.38 | $24.00 | +2.7% | Buy | 15.0x | 3 |
 MNSBMainStreet Bancshares, Inc. | $157M | $22.11 | — | — | Hold | 10.6x | 1 |
 FXNCFirst National Corporation | $275M | $30.42 | $21.00 | -31.0% | Buy | 11.6x | 1 |
 LKFNLakeland Financial Corporation | $1.5B | $61.15 | $67.00 | +9.6% | Hold | 13.7x | 10 |
 FFINFirst Financial Bankshares, Inc. | $4.4B | $30.41 | $34.33 | +12.9% | Hold | 14.9x | 17 |
 HBCPHome Bancorp, Inc. | $479M | $60.94 | $65.00 | +6.7% | Buy | 10.8x | 3 |
 CHMGChemung Financial Corporation | $408M | $84.75 | $93.00 | +9.7% | Hold | 10.1x | 7 |
 FISIFinancial Institutions, Inc. | $782M | $39.73 | $45.00 | +13.3% | Hold | 9.6x | 6 |
 WRLDWorld Acceptance Corporation | $695M | $149.08 | — | — | Hold | 21.1x | 10 |
Quick answers to the most common questions about buying CFFI stock.
The consensus price target for CFFI is $115, close to the current price of $105.12 (9.4% implied move). Based on 1 analyst estimates, the stock appears fairly valued near current levels.
CFFI has a consensus rating of "Buy" based on 1 Wall Street analysts. The rating breakdown is predominantly bullish, with 1 Buy/Strong Buy ratings. The consensus 12-month price target of $115 implies 9.4% upside from current levels.
With a forward P/E of 10.9958x, CFFI trades at a relatively low valuation. The consensus target of $115 implies 9.4% appreciation, suggesting the market may be pricing in risks.
The most bullish Wall Street analyst has a price target of $115 for CFFI, while the most conservative target is $115. The consensus of $115 represents the median expectation. Our quantitative valuation model projects a bull case target of $184 based on optimistic growth and margin assumptions. These targets typically reflect 12-month expectations.
CFFI is lightly followed, with 1 analysts providing price targets and ratings. Of these, 0 have Strong Buy ratings, 1 have Buy ratings, 0 recommend Hold, and 0 have Sell or Strong Sell ratings. Higher analyst coverage generally indicates greater institutional interest and more reliable consensus estimates.
The 12-month CFFI stock forecast based on 1 Wall Street analysts shows a consensus price target of $115, with estimates ranging from $115 (bear case) to $115 (bull case). The median consensus rating is "Buy". Our proprietary valuation model produces a base case fair value of $140, with bear/bull scenarios of $88/$184.
Our quantitative valuation model calculates CFFI's fair value at $140 (base case), with a bear case of $88 and bull case of $184. The model uses discounted cash flow analysis, historical growth rates, and margin mean-reversion to project FY+2 earnings, then applies an appropriate P/E multiple. The model confidence score is 44/100.
CFFI trades at a forward P/E ratio of 11.0x based on next-twelve-months earnings estimates compared to a trailing P/E of 11.3x. The lower forward P/E indicates analysts expect earnings growth. A forward P/E is useful for comparing valuations when earnings are expected to change significantly.
CFFI appears fairly valued according to analysts, with a "Buy" rating and minimal upside to the $115 target. Consider your investment thesis and risk tolerance. This information is for educational purposes only. Always conduct your own research, consider your financial situation, and consult a financial advisor before making investment decisions.
CFFI analyst price targets range from $115 to $115, a 0% tight range reflecting strong analyst consensus. Differences stem from varying assumptions about revenue growth, profit margins, competitive dynamics, and valuation multiples. The $115 consensus represents the middle ground. Our model's $88-$184 range provides an independent fundamental perspective.
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