C&F Financial Corporation (CFFI)

C&F Financial Statistics

Total Valuation

C&F Financial has a market cap or net worth of $252.93 million. The enterprise value is $300.75 million.

Market Cap	252.93M
Enterprise Value	300.75M

Important Dates

The last earnings date was Tuesday, January 27, 2026.

Earnings Date	Jan 27, 2026
Ex-Dividend Date	Dec 15, 2025

Share Statistics

C&F Financial has 3.25 million shares outstanding. The number of shares has decreased by -1.88% in one year.

Current Share Class	3.25M
Shares Outstanding	3.25M
Shares Change (YoY)	-1.88%
Shares Change (QoQ)	+0.01%
Owned by Insiders (%)	6.81%
Owned by Institutions (%)	41.73%
Float	3.03M

Valuation Ratios

The trailing PE ratio is 9.35.

PE Ratio	9.35
Forward PE	n/a
PS Ratio	1.95
Forward PS	n/a
PB Ratio	0.97
P/TBV Ratio	0.97
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	11.14
EV / Sales	2.33
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 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)	4.26%
Revenue Per Employee	$237,231
Profits Per Employee	$49,525
Employee Count	545
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 decreased by -8.11% 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	-8.11%
50-Day Moving Average	73.18
200-Day Moving Average	68.69
Relative Strength Index (RSI)	58.76
Average Volume (20 Days)	3,871

Short Selling Information

The latest short interest is 54,112, so 1.67% of the outstanding shares have been sold short.

Short Interest	54,112
Short Previous Month	51,702
Short % of Shares Out	1.67%
Short % of Float	1.79%
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 $26.99 million in profits. Earnings per share was $8.34.

Revenue	129.29M
Gross Profit	129.29M
Operating Income	33.07M
Pretax Income	33.07M
Net Income	26.99M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$8.34

Balance Sheet

The company has $65.51 million in cash and $113.34 million in debt, with a net cash position of -$47.83 million or -$14.73 per share.

Cash & Cash Equivalents	65.51M
Total Debt	113.34M
Net Cash	-47.83M
Net Cash Per Share	-$14.73
Equity (Book Value)	262.35M
Book Value Per Share	80.64
Working Capital	-2.24B

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	25.58%
Pretax Margin	25.58%
Profit Margin	20.88%
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 2.36%.

Dividend Per Share	$1.84
Dividend Yield	2.36%
Dividend Growth (YoY)	4.55%
Years of Dividend Growth	1
Payout Ratio	22.07%
Buyback Yield	1.88%
Shareholder Yield	4.24%
Earnings Yield	10.67%
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