CFFI
C&F Financial·NASDAQ
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2.55 / 10
Underperform
Fundamental analysis of C&F Financial reveals a concerning quality score of 2.5/10. Constructive factors include a Gross profit margin of 36.7% (group 1), Total profit / EBIT of 100% (group 1), and Net assets per share growth of 11.8% (group 3), which earn 3, 3, and 2 points respectively. However, negative aspects such as Net profit attributable to parent / Net profit at 99.3% (group 2) and Asset-MV at -0.503 (group 3) drag the score down. The weighted sum is 2.55, with Asset-MV and Cash-MV carrying the highest weights (0.148 and 0.104), confirming a guarded stance. Historical one-month returns for the factor groups range from 3.05% to 6.44%, but the low overall score implies limited upside without improvement in weak areas.
Analysis Checks(6/10)
Net assets per share (growth rate compared to beginning of year %)
Value11.76
Score2/3
Weight7.86%
1M Return3.75%
Value11.76
Score2/3
Weight7.86%
1M Return3.75%
Net profit attributable to parent company shareholders / Net profit (%)
Value99.30
Score1/3
Weight6.25%
1M Return3.05%
Value99.30
Score1/3
Weight6.25%
1M Return3.05%
Profit-MV
Value0.09
Score1/3
Weight10.37%
1M Return4.44%
Value0.09
Score1/3
Weight10.37%
1M Return4.44%
PB-ROE
Value1.41
Score2/3
Weight11.85%
1M Return5.42%
Value1.41
Score2/3
Weight11.85%
1M Return5.42%
Asset-MV
Value-0.50
Score1/3
Weight14.83%
1M Return5.76%
Value-0.50
Score1/3
Weight14.83%
1M Return5.76%
Revenue-MV
Value0.16
Score2/3
Weight14.03%
1M Return6.44%
Value0.16
Score2/3
Weight14.03%
1M Return6.44%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.13%
1M Return3.43%
Value36.70
Score3/3
Weight7.13%
1M Return3.43%
Total profit (YoY growth rate %)
Value47.81
Score3/3
Weight10.10%
1M Return4.68%
Value47.81
Score3/3
Weight10.10%
1M Return4.68%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.13%
1M Return3.43%
Value100.00
Score3/3
Weight7.13%
1M Return3.43%
Cash-MV
Value0.14
Score1/3
Weight10.44%
1M Return4.21%
Value0.14
Score1/3
Weight10.44%
1M Return4.21%
Net assets per share (growth rate compared to beginning of year %)
Value11.76
Score2/3
Weight7.86%
1M Return3.75%
Value11.76
Score2/3
Weight7.86%
1M Return3.75%
Revenue-MV
Value0.16
Score2/3
Weight14.03%
1M Return6.44%
Value0.16
Score2/3
Weight14.03%
1M Return6.44%
Net profit attributable to parent company shareholders / Net profit (%)
Value99.30
Score1/3
Weight6.25%
1M Return3.05%
Value99.30
Score1/3
Weight6.25%
1M Return3.05%
Gross profit margin (%)
Value36.70
Score3/3
Weight7.13%
1M Return3.43%
Value36.70
Score3/3
Weight7.13%
1M Return3.43%
Profit-MV
Value0.09
Score1/3
Weight10.37%
1M Return4.44%
Value0.09
Score1/3
Weight10.37%
1M Return4.44%
Total profit (YoY growth rate %)
Value47.81
Score3/3
Weight10.10%
1M Return4.68%
Value47.81
Score3/3
Weight10.10%
1M Return4.68%
PB-ROE
Value1.41
Score2/3
Weight11.85%
1M Return5.42%
Value1.41
Score2/3
Weight11.85%
1M Return5.42%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight7.13%
1M Return3.43%
Value100.00
Score3/3
Weight7.13%
1M Return3.43%
Asset-MV
Value-0.50
Score1/3
Weight14.83%
1M Return5.76%
Value-0.50
Score1/3
Weight14.83%
1M Return5.76%
Cash-MV
Value0.14
Score1/3
Weight10.44%
1M Return4.21%
Value0.14
Score1/3
Weight10.44%
1M Return4.21%
Is CFFI undervalued or overvalued?
- CFFI scores 2.55/10 on fundamentals and holds a Premium valuation at present. Backed by its 8.37% ROE, 19.20% net margin, 9.89 P/E ratio, 1.02 P/B ratio, and 42.76% earnings growth, these metrics solidify its Underperform investment rating.
