C&F Financial Corporation (CFFI)

C&F Financial Statistics

Total Valuation

C&F Financial has a market cap or net worth of $194.15 million. The enterprise value is $239.26 million.

Market Cap	194.15M
Enterprise Value	239.26M

Important Dates

The next estimated earnings date is Wednesday, July 23, 2025.

Earnings Date	Jul 23, 2025
Ex-Dividend Date	Jun 13, 2025

Share Statistics

C&F Financial has 3.24 million shares outstanding. The number of shares has decreased by -3.63% in one year.

Current Share Class	3.24M
Shares Outstanding	3.24M
Shares Change (YoY)	-3.63%
Shares Change (QoQ)	+0.25%
Owned by Insiders (%)	6.86%
Owned by Institutions (%)	38.72%
Float	3.02M

Valuation Ratios

The trailing PE ratio is 9.12.

PE Ratio	9.12
Forward PE	n/a
PS Ratio	1.71
Forward PS	n/a
PB Ratio	0.84
P/TBV Ratio	0.95
P/FCF Ratio	5.26
P/OCF Ratio	4.84
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	10.97
EV / Sales	2.06
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	6.37

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	3.28
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.68%.

Return on Equity (ROE)	9.68%
Return on Assets (ROA)	0.86%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$213,617
Profits Per Employee	$40,002
Employee Count	545
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, C&F Financial has paid $4.78 million in taxes.

Income Tax	4.78M
Effective Tax Rate	17.93%

Stock Price Statistics

The stock price has increased by +31.60% in the last 52 weeks. The beta is 0.49, so C&F Financial's price volatility has been lower than the market average.

Beta (5Y)	0.49
52-Week Price Change	+31.60%
50-Day Moving Average	64.37
200-Day Moving Average	68.09
Relative Strength Index (RSI)	32.49
Average Volume (20 Days)	8,268

Short Selling Information

The latest short interest is 24,380, so 0.75% of the outstanding shares have been sold short.

Short Interest	24,380
Short Previous Month	23,572
Short % of Shares Out	0.75%
Short % of Float	0.81%
Short Ratio (days to cover)	4.05

Income Statement

In the last 12 months, C&F Financial had revenue of $116.42 million and earned $21.80 million in profits. Earnings per share was $6.68.

Revenue	116.42M
Gross Profit	116.42M
Operating Income	26.58M
Pretax Income	23.46M
Net Income	21.80M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$6.68

Balance Sheet

The company has $81.33 million in cash and $123.04 million in debt, giving a net cash position of -$41.71 million or -$12.88 per share.

Cash & Cash Equivalents	81.33M
Total Debt	123.04M
Net Cash	-41.71M
Net Cash Per Share	-$12.88
Equity (Book Value)	235.27M
Book Value Per Share	72.51
Working Capital	-2.14B

Cash Flow

In the last 12 months, operating cash flow was $40.80 million and capital expenditures -$3.27 million, giving a free cash flow of $37.54 million.

Operating Cash Flow	40.80M
Capital Expenditures	-3.27M
Free Cash Flow	37.54M
FCF Per Share	$11.59

Margins

Gross Margin	n/a
Operating Margin	22.83%
Pretax Margin	22.90%
Profit Margin	18.73%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	32.24%

Dividends & Yields

This stock pays an annual dividend of $1.84, which amounts to a dividend yield of 3.07%.

Dividend Per Share	$1.84
Dividend Yield	3.07%
Dividend Growth (YoY)	2.27%
Years of Dividend Growth	n/a
Payout Ratio	27.56%
Buyback Yield	3.63%
Shareholder Yield	6.65%
Earnings Yield	11.04%
FCF Yield	19.00%

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