C&F Financial Corporation (CFFI)

C&F Financial Statistics

Total Valuation

C&F Financial has a market cap or net worth of $237.19 million. The enterprise value is $272.90 million.

Market Cap	237.19M
Enterprise Value	272.90M

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 8.79.

PE Ratio	8.79
Forward PE	n/a
PS Ratio	1.83
Forward PS	n/a
PB Ratio	0.90
P/TBV Ratio	1.01
P/FCF Ratio	10.70
P/OCF Ratio	9.68
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	10.17
EV / Sales	2.11
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	12.31

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)	4.14%
Revenue Per Employee	$237,231
Profits Per Employee	$49,239
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 -1.07% 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	-1.07%
50-Day Moving Average	73.80
200-Day Moving Average	69.28
Relative Strength Index (RSI)	44.34
Average Volume (20 Days)	3,404

Short Selling Information

The latest short interest is 40,788, so 1.25% of the outstanding shares have been sold short.

Short Interest	40,788
Short Previous Month	54,112
Short % of Shares Out	1.25%
Short % of Float	1.35%
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

Balance 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

Cash 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
Free Cash Flow	22.16M
FCF Per Share	$6.81

Margins

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 2.53%.

Dividend Per Share	$1.84
Dividend Yield	2.53%
Dividend Growth (YoY)	4.49%
Years of Dividend Growth	1
Payout Ratio	22.44%
Buyback Yield	1.88%
Shareholder Yield	4.41%
Earnings Yield	11.31%
FCF Yield	9.34%

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	3