DDM Analysis: CFFI

Valuation Snapshot

Stable Growth	$114.58 - $207.33	$153.26
Multi-Stage	$155.42 - $170.59	$162.86
Blended Fair Value	$158.06
Current Price	$67.20
Upside	135.21%
Decision	Buy

Dividend History & Growth Metrics (10Y)

Metric	5Y CAGR	10Y CAGR	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
DPS	2.41%	3.62%	1.79	1.85	1.78	1.75	1.71	1.59	1.52	1.43	1.38	1.28
YoY Growth	-	-	-3.44%	4.00%	1.43%	2.33%	8.09%	4.06%	6.34%	3.88%	7.62%	2.42%
Dividend Yield	-	-	2.65%	3.78%	3.44%	3.47%	3.87%	3.98%	2.96%	2.73%	2.98%	3.36%

Stable Growth Model (Adjusted)

(USD in Millions except Per Share Data)

Net Income To Common (M)	26.17
(-) Cash Dividends Paid (M)	5.82
(=) Cash Retained (M)	20.35

Metric	LOW	BASE	HIGH
Required Retention Ratio	20.0%	12.5%	7.5%
(=) Cash Required (M)	5.23	3.27	1.96
Cash Retained (M)	20.35	20.35	20.35
(-) Cash Required (M)	-5.23	-3.27	-1.96
(=) Excess Retained (M)	15.12	17.08	18.39
(/) Shares Outstanding (M)	3.23	3.23	3.23
(=) Excess Retained per Share	4.67	5.28	5.68
LTM Dividend per Share	1.80	1.80	1.80
(+) Excess Retained per Share	4.67	5.28	5.68
(=) Adjusted Dividend	6.47	7.08	7.48
WACC / Discount Rate	7.36%	7.36%	7.36%
Growth Rate	1.62%	2.62%	3.62%
Fair Value	$114.58	$153.26	$207.33
Upside / Downside	70.51%	128.06%	208.53%

Multi-Stage Model: Projections

(USD in Millions)

Metric	TTM	Dec-27	Dec-28	Dec-29	Dec-30	Dec-31	Terminal
Net Income (M)	26.17	26.86	27.56	28.28	29.02	29.79	30.68
Payout Ratio	22.24%	35.79%	49.34%	62.90%	76.45%	90.00%	92.50%
Projected Dividends (M)	5.82	9.61	13.60	17.79	22.19	26.81	28.38

Multi-Stage Valuation

Metric	LOW	BASE	HIGH
WACC / Discount Rate	7.36%	7.36%	7.36%
Growth Rate	1.62%	2.62%	3.62%
Year 1 PV (M)	8.87	8.95	9.04
Year 2 PV (M)	11.57	11.80	12.03
Year 3 PV (M)	13.96	14.37	14.80
Year 4 PV (M)	16.06	16.70	17.36
Year 5 PV (M)	17.90	18.79	19.73
PV of Terminal Value (M)	434.38	456.18	478.84
Equity Value (M)	502.73	526.80	551.80
Shares Outstanding (M)	3.23	3.23	3.23
Fair Value	$155.42	$162.86	$170.59
Upside / Downside	131.28%	142.35%	153.85%

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C&F Financial Corporation (CFFI)

Valuation Snapshot

Dividend History & Growth Metrics (10Y)

Stable Growth Model (Adjusted)

Multi-Stage Model: Projections

Multi-Stage Valuation

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