C&F Financial (CFFI) Stock: Buy, Sell, or Hold?
$107.70
-0.01 (+0.00%)
âŧ
5d:
-4.04%
30d:
+3.42%
90d:
+21.72%
QUANTITATIVE VERDICT
WAIT
LOW Confidence (49%)
Quality Score
49/100
Position
FAIR
30-Day Fair Range
$102.29 â $109.62
Position: FAIR
Forward P/E & Valuation
10.5x
FAIR
vs 10.4x historical avg
Wall Street Target
$124.00
+15.1% upside
Options IV & Volume
HIGH Vol
HIGH volume confirmation
Support / Resistance
$105.09 / $115.40
Trend: Strong Uptrend
Executive Thesis & Bottom Line
Forward Earnings Fair Value & Price Prediction →
âšī¸ NEUTRAL: CFFI is fairly priced but lacks strong directional signals. At 0.1% expected growth, valuation appears fair. Wait for clearer setup or better entry on dips.
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Interactive Price Chart (1 Month)
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Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$133.23
Based on 4.5% avg growth
INTRINSIC VALUE TODAY
$82.72
Trading above historical range
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 10.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: CFFI is currently trading at $107.69, which is considered fair relative to its 30-day fair value range of $102.29 to $109.62. The stock's valuation (Forward PE: 10.5) is in line with its historical norms (10.4). At these levels, the market is pricing in 0.1% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, CFFI is in a strong uptrend. The price is currently testing key support at $105.08. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: CFFI scores 37/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $124.00 (+15.1%). Current signals suggest waiting for a better entry point before initiating new positions.
Technical Outlook: Technically, CFFI is in a strong uptrend. The price is currently testing key support at $105.08. A bounce from this level would confirm strength, while a break below could signal further downside.
Market Sentiment: CFFI scores 37/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. Wall Street analysts see significant upside, with an average price target of $124.00 (+15.1%). Current signals suggest waiting for a better entry point before initiating new positions.
Quick Decision Summary
Current Position
FAIR
Historical Trading Range
$102.29 -
$109.62
Company Quality Score
49/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
48.6%
Trading Range & Key Levels
30-Day Trading Range
$102.29 -
$109.62
Current vs Trading Range
FAIR
Support Level
$105.09
Resistance Level
$115.40
Current Trend
Strong Uptrend
Technical data as of
Nov 10, 2026
Quantitative Signal Breakdown
- NEUTRAL: Price in fair range
- BEARISH: Weak technical setup (37/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($124.00)
- NEUTRAL: Market pricing in 0.1% annual earnings growth - fairly valued
- WARNING: Composite score 49/100 in the bottom quintile â this cohort historically lags the market
Fundamental Context
Forward P/E (Next Year Est.)
10.48
Wall Street Target
$124.00
(+15.1%)
Revenue Growth (YoY)
7.1%
Earnings Growth (YoY)
16.5%
Profit Margin
21.8%
Valuation Premium vs History
+0.1% premium
PE vs Historical
10.5 vs 10.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+0.1%
(market-implied from PE analysis)
1-Year Target
$107.81
(+0%)
2-Year Target
$107.92
(+0%)
3-Year Target
$108.02
(+0%)
3-Yr Target (if PE normalizes)
(PE: 10â10)
PE COMPRESSION
$107.23
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 19.9, Growth: 5.0%)
$236.38
(+120%)
Base:
(SPY PE: 10.5, Growth: 5.0%)
$124.69
(+16%)
Bear:
(PE: 8.9, Growth: 5.0%)
$105.99
(-2%)
đ
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (12x PE), but valuation improves significantly next year (10x PE) as earnings recover.
Trailing PE: 11.54 | Current EPS (TTM): $9.33
Bull Case
$130.53
(+21%)
Analyst growth 10.2%, PE expands to 12.7
Base Case
$118.67
(+10%)
Market implied 10.2%, PE stable at 11.5
Bear Case
$73.24
(-32%)
Severe decline -20.0%, PE contracts to 9.8
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
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bloggers & journalists: you are free to use our charts with attribution.Reddit & Retail Trader Sentiment (CFFI)
Bullish
1 Retail Mentions
StockTwits Volume
1 msgs
24h retail stream
Last Tracked
Jun 8, 2026
Daily AI digest
AI Retail Discussion Summary:
StockTwits shows 100.0% bullish sentiment towards $CFFI with no recent news articles available.
Key Retail Themes:
Bullish sentiment
Aggregated from r/wallstreetbets, r/stocks & StockTwits streams.
View All Trending Reddit & WSB Stocks →
Last updated: November 11, 2026 10:34 AM ET
Data refreshes hourly during market hours. Next update: 11:34 AM
Data refreshes hourly during market hours. Next update: 11:34 AM
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Technical Signals Check
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Insider Activity (6 Months)
0
Buys
0
Sells
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Net
NEUTRAL
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