C&F Financial Corporation (CFFI)

C&F Financial Statistics

Total Valuation

C&F Financial has a market cap or net worth of $205.00 million. The enterprise value is $288.85 million.

Market Cap	205.00M
Enterprise Value	288.85M

Important Dates

The last earnings date was Thursday, July 24, 2025.

Earnings Date	Jul 24, 2025
Ex-Dividend Date	Jun 13, 2025

Share Statistics

C&F Financial has 3.24 million shares outstanding. The number of shares has decreased by -3.82% in one year.

Current Share Class	3.24M
Shares Outstanding	3.24M
Shares Change (YoY)	-3.82%
Shares Change (QoQ)	+0.12%
Owned by Insiders (%)	6.86%
Owned by Institutions (%)	39.38%
Float	3.02M

Valuation Ratios

The trailing PE ratio is 8.36.

PE Ratio	8.36
Forward PE	n/a
PS Ratio	1.68
Forward PS	n/a
PB Ratio	0.85
P/TBV Ratio	0.85
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	11.78
EV / Sales	2.37
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.70%.

Return on Equity (ROE)	10.70%
Return on Assets (ROA)	0.95%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$223,991
Profits Per Employee	$45,004
Employee Count	545
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, C&F Financial has paid $5.44 million in taxes.

Income Tax	5.44M
Effective Tax Rate	18.11%

Stock Price Statistics

The stock price has increased by +6.40% in the last 52 weeks. The beta is 0.51, so C&F Financial's price volatility has been lower than the market average.

Beta (5Y)	0.51
52-Week Price Change	+6.40%
50-Day Moving Average	64.68
200-Day Moving Average	69.08
Relative Strength Index (RSI)	41.82
Average Volume (20 Days)	16,735

Short Selling Information

The latest short interest is 100,627, so 3.11% of the outstanding shares have been sold short.

Short Interest	100,627
Short Previous Month	91,221
Short % of Shares Out	3.11%
Short % of Float	3.34%
Short Ratio (days to cover)	2.44

Income Statement

In the last 12 months, C&F Financial had revenue of $122.08 million and earned $24.53 million in profits. Earnings per share was $7.57.

Revenue	122.08M
Gross Profit	122.08M
Operating Income	29.98M
Pretax Income	23.46M
Net Income	24.53M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$7.57

Balance Sheet

The company has $62.29 million in cash and $146.14 million in debt, giving a net cash position of -$83.85 million or -$25.89 per share.

Cash & Cash Equivalents	62.29M
Total Debt	146.14M
Net Cash	-83.85M
Net Cash Per Share	-$25.89
Equity (Book Value)	240.92M
Book Value Per Share	74.21
Working Capital	-2.17B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	24.56%
Pretax Margin	24.62%
Profit Margin	20.09%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $1.84, which amounts to a dividend yield of 2.88%.

Dividend Per Share	$1.84
Dividend Yield	2.88%
Dividend Growth (YoY)	2.27%
Years of Dividend Growth	n/a
Payout Ratio	23.77%
Buyback Yield	3.82%
Shareholder Yield	6.70%
Earnings Yield	11.96%
FCF Yield	n/a

Analyst Forecast

Price Target	n/a
Price Target Difference	n/a
Analyst Consensus	n/a
Analyst Count	n/a
Revenue Growth Forecast (5Y)	n/a
EPS Growth Forecast (5Y)	n/a

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on July 21, 1998. It was a forward split with a ratio of 2:1.

Last Split Date	Jul 21, 1998
Split Type	Forward
Split Ratio	2:1

Scores

Altman Z-Score	n/a
Piotroski F-Score	2