C&F Financial Corporation (CFFI)

C&F Financial Statistics

Total Valuation

C&F Financial has a market cap or net worth of $221.42 million. The enterprise value is $253.98 million.

Market Cap	221.42M
Enterprise Value	253.98M

Important Dates

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

Earnings Date	Oct 23, 2025
Ex-Dividend Date	Sep 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 (%)	42.69%
Float	3.02M

Valuation Ratios

The trailing PE ratio is 8.44.

PE Ratio	8.44
Forward PE	n/a
PS Ratio	1.76
Forward PS	n/a
PB Ratio	0.87
P/TBV Ratio	0.87
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	9.69
EV / Sales	2.02
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 10.92%.

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	$48,110
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 increased by +9.32% in the last 52 weeks. The beta is 0.45, so C&F Financial's price volatility has been lower than the market average.

Beta (5Y)	0.45
52-Week Price Change	+9.32%
50-Day Moving Average	69.05
200-Day Moving Average	68.59
Relative Strength Index (RSI)	50.09
Average Volume (20 Days)	4,188

Short Selling Information

The latest short interest is 63,176, so 1.95% of the outstanding shares have been sold short.

Short Interest	63,176
Short Previous Month	69,634
Short % of Shares Out	1.95%
Short % of Float	2.09%
Short Ratio (days to cover)	11.14

Income Statement

In the last 12 months, C&F Financial had revenue of $125.43 million and earned $26.22 million in profits. Earnings per share was $8.11.

Revenue	125.43M
Gross Profit	125.43M
Operating Income	32.14M
Pretax Income	32.21M
Net Income	26.22M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$8.11

Balance Sheet

The company has $80.84 million in cash and $113.41 million in debt, giving a net cash position of -$32.56 million or -$10.06 per share.

Cash & Cash Equivalents	80.84M
Total Debt	113.41M
Net Cash	-32.56M
Net Cash Per Share	-$10.06
Equity (Book Value)	253.89M
Book Value Per Share	78.23
Working Capital	-2.18B

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	25.62%
Pretax Margin	25.68%
Profit Margin	20.90%
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 2.69%.

Dividend Per Share	$1.84
Dividend Yield	2.69%
Dividend Growth (YoY)	3.41%
Years of Dividend Growth	n/a
Payout Ratio	22.45%
Buyback Yield	3.01%
Shareholder Yield	5.70%
Earnings Yield	11.84%
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