C&F Financial Corporation (CFFI)

C&F Financial Statistics

Total Valuation

C&F Financial has a market cap or net worth of $226.48 million. The enterprise value is $242.55 million.

Market Cap	226.48M
Enterprise Value	242.55M

Important Dates

The last earnings date was Thursday, October 23, 2025.

Earnings Date	Oct 23, 2025
Ex-Dividend Date	Dec 15, 2025

Share Statistics

C&F Financial has 3.24 million shares outstanding. The number of shares has decreased by -3.01% in one year.

Current Share Class	3.24M
Shares Outstanding	3.24M
Shares Change (YoY)	-3.01%
Shares Change (QoQ)	-0.02%
Owned by Insiders (%)	6.82%
Owned by Institutions (%)	41.34%
Float	3.02M

Valuation Ratios

The trailing PE ratio is 8.50.

PE Ratio	8.50
Forward PE	n/a
PS Ratio	1.77
Forward PS	n/a
PB Ratio	0.88
P/TBV Ratio	1.00
P/FCF Ratio	4.06
P/OCF Ratio	3.92
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	9.27
EV / Sales	1.93
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	4.35

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	2.09
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.92%.

Return on Equity (ROE)	10.92%
Return on Assets (ROA)	1.00%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$230,150
Profits Per Employee	$48,020
Employee Count	545
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, C&F Financial has paid $5.91 million in taxes.

Income Tax	5.91M
Effective Tax Rate	18.34%

Stock Price Statistics

The stock price has decreased by -7.27% in the last 52 weeks. The beta is 0.35, so C&F Financial's price volatility has been lower than the market average.

Beta (5Y)	0.35
52-Week Price Change	-7.27%
50-Day Moving Average	68.56
200-Day Moving Average	68.04
Relative Strength Index (RSI)	49.34
Average Volume (20 Days)	3,869

Short Selling Information

The latest short interest is 59,456, so 1.84% of the outstanding shares have been sold short.

Short Interest	59,456
Short Previous Month	63,176
Short % of Shares Out	1.84%
Short % of Float	1.97%
Short Ratio (days to cover)	13.13

Income Statement

In the last 12 months, C&F Financial had revenue of $125.43 million and earned $26.17 million in profits. Earnings per share was $8.09.

Revenue	125.43M
Gross Profit	125.43M
Operating Income	32.14M
Pretax Income	32.21M
Net Income	26.17M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$8.09

Balance Sheet

The company has $100.30 million in cash and $116.37 million in debt, giving a net cash position of -$16.07 million or -$4.96 per share.

Cash & Cash Equivalents	100.30M
Total Debt	116.37M
Net Cash	-16.07M
Net Cash Per Share	-$4.96
Equity (Book Value)	253.89M
Book Value Per Share	78.23
Working Capital	-2.18B

Cash Flow

In the last 12 months, operating cash flow was $57.76 million and capital expenditures -$2.00 million, giving a free cash flow of $55.75 million.

Operating Cash Flow	57.76M
Capital Expenditures	-2.00M
Free Cash Flow	55.75M
FCF Per Share	$17.22

Margins

Gross Margin	n/a
Operating Margin	25.62%
Pretax Margin	25.68%
Profit Margin	20.86%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	44.45%

Dividends & Yields

This stock pays an annual dividend of $1.84, which amounts to a dividend yield of 2.67%.

Dividend Per Share	$1.84
Dividend Yield	2.67%
Dividend Growth (YoY)	4.55%
Years of Dividend Growth	n/a
Payout Ratio	22.74%
Buyback Yield	3.01%
Shareholder Yield	5.68%
Earnings Yield	11.56%
FCF Yield	24.62%

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	4