C&F Financial Statistics
Total Valuation
C&F Financial has a market cap or net worth of $234.06 million. The enterprise value is $269.77 million.
Important Dates
The next estimated earnings date is Thursday, April 23, 2026.
| Earnings Date | Apr 23, 2026 |
| Ex-Dividend Date | Mar 13, 2026 |
Share Statistics
C&F Financial has 3.26 million shares outstanding. The number of shares has decreased by -1.88% in one year.
| Current Share Class | 3.26M |
| Shares Outstanding | 3.26M |
| Shares Change (YoY) | -1.88% |
| Shares Change (QoQ) | +0.01% |
| Owned by Insiders (%) | 6.98% |
| Owned by Institutions (%) | 40.98% |
| Float | 3.03M |
Valuation Ratios
The trailing PE ratio is 8.67.
| PE Ratio | 8.67 |
| Forward PE | n/a |
| PS Ratio | 1.81 |
| Forward PS | n/a |
| PB Ratio | 0.89 |
| P/TBV Ratio | 0.99 |
| P/FCF Ratio | 10.56 |
| P/OCF Ratio | 9.56 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 10.05 |
| EV / Sales | 2.09 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 12.17 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 5.35 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.03%.
| Return on Equity (ROE) | 11.03% |
| Return on Assets (ROA) | 1.01% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 4.12% |
| Revenue Per Employee | $224,854 |
| Profits Per Employee | $46,670 |
| Employee Count | 575 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, C&F Financial has paid $6.08 million in taxes.
| Income Tax | 6.08M |
| Effective Tax Rate | 18.38% |
Stock Price Statistics
The stock price has increased by +4.33% in the last 52 weeks. The beta is 0.36, so C&F Financial's price volatility has been lower than the market average.
| Beta (5Y) | 0.36 |
| 52-Week Price Change | +4.33% |
| 50-Day Moving Average | 74.31 |
| 200-Day Moving Average | 69.75 |
| Relative Strength Index (RSI) | 46.28 |
| Average Volume (20 Days) | 4,901 |
Short Selling Information
The latest short interest is 48,558, so 1.49% of the outstanding shares have been sold short.
| Short Interest | 48,558 |
| Short Previous Month | 39,041 |
| Short % of Shares Out | 1.49% |
| Short % of Float | 1.60% |
| Short Ratio (days to cover) | 13.13 |
Income Statement
In the last 12 months, C&F Financial had revenue of $129.29 million and earned $26.84 million in profits. Earnings per share was $8.29.
| Revenue | 129.29M |
| Gross Profit | 129.29M |
| Operating Income | 33.07M |
| Pretax Income | 33.07M |
| Net Income | 26.84M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $8.29 |
Full Income StatementBalance Sheet
The company has $82.81 million in cash and $118.52 million in debt, with a net cash position of -$35.72 million or -$10.97 per share.
| Cash & Cash Equivalents | 82.81M |
| Total Debt | 118.52M |
| Net Cash | -35.72M |
| Net Cash Per Share | -$10.97 |
| Equity (Book Value) | 262.35M |
| Book Value Per Share | 80.64 |
| Working Capital | -2.24B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $24.49 million and capital expenditures -$2.33 million, giving a free cash flow of $22.16 million.
| Operating Cash Flow | 24.49M |
| Capital Expenditures | -2.33M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 20.00M |
| Free Cash Flow | 22.16M |
| FCF Per Share | $6.81 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 25.58% |
| Pretax Margin | 25.58% |
| Profit Margin | 20.76% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 17.14% |
Dividends & Yields
This stock pays an annual dividend of $1.84, which amounts to a dividend yield of 2.49%.
| Dividend Per Share | $1.84 |
| Dividend Yield | 2.49% |
| Dividend Growth (YoY) | 4.49% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 22.44% |
| Buyback Yield | 1.88% |
| Shareholder Yield | 4.43% |
| Earnings Yield | 11.47% |
| FCF Yield | 9.47% |
Dividend DetailsAnalyst 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 | 3 |
