C&F Financial Corporation (CFFI)

C&F Financial Statistics

Total Valuation

C&F Financial has a market cap or net worth of $227.07 million. The enterprise value is $291.72 million.

Market Cap	227.07M
Enterprise Value	291.72M

Important Dates

The next estimated earnings date is Tuesday, October 28, 2025.

Earnings Date	Oct 28, 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 -3.82% in one year.

Current Share Class	3.24M
Shares Outstanding	3.24M
Shares Change (YoY)	-3.82%
Shares Change (QoQ)	+0.12%
Owned by Insiders (%)	6.82%
Owned by Institutions (%)	42.28%
Float	3.02M

Valuation Ratios

The trailing PE ratio is 9.28.

PE Ratio	9.28
Forward PE	n/a
PS Ratio	1.86
Forward PS	n/a
PB Ratio	0.94
P/TBV Ratio	1.06
P/FCF Ratio	7.23
P/OCF Ratio	6.54
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	11.91
EV / Sales	2.39
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	9.28

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	4.75
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 10.70%.

Return on Equity (ROE)	10.70%
Return on Assets (ROA)	0.95%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$223,991
Profits Per Employee	$44,927
Employee Count	545
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, C&F Financial has paid $5.44 million in taxes.

Income Tax	5.44M
Effective Tax Rate	18.11%

Stock Price Statistics

The stock price has increased by +23.04% in the last 52 weeks. The beta is 0.50, so C&F Financial's price volatility has been lower than the market average.

Beta (5Y)	0.50
52-Week Price Change	+23.04%
50-Day Moving Average	67.71
200-Day Moving Average	69.58
Relative Strength Index (RSI)	53.14
Average Volume (20 Days)	8,969

Short Selling Information

The latest short interest is 95,276, so 2.94% of the outstanding shares have been sold short.

Short Interest	95,276
Short Previous Month	82,717
Short % of Shares Out	2.94%
Short % of Float	3.16%
Short Ratio (days to cover)	7.70

Income Statement

In the last 12 months, C&F Financial had revenue of $122.08 million and earned $24.49 million in profits. Earnings per share was $7.56.

Revenue	122.08M
Gross Profit	122.08M
Operating Income	29.98M
Pretax Income	23.46M
Net Income	24.49M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$7.56

Balance Sheet

The company has $84.74 million in cash and $149.39 million in debt, giving a net cash position of -$64.65 million or -$19.96 per share.

Cash & Cash Equivalents	84.74M
Total Debt	149.39M
Net Cash	-64.65M
Net Cash Per Share	-$19.96
Equity (Book Value)	240.92M
Book Value Per Share	74.21
Working Capital	-2.16B

Cash Flow

In the last 12 months, operating cash flow was $34.72 million and capital expenditures -$3.30 million, giving a free cash flow of $31.43 million.

Operating Cash Flow	34.72M
Capital Expenditures	-3.30M
Free Cash Flow	31.43M
FCF Per Share	$9.70

Margins

Gross Margin	n/a
Operating Margin	24.56%
Pretax Margin	24.62%
Profit Margin	20.06%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	25.74%

Dividends & Yields

This stock pays an annual dividend of $1.84, which amounts to a dividend yield of 2.62%.

Dividend Per Share	$1.84
Dividend Yield	2.62%
Dividend Growth (YoY)	3.41%
Years of Dividend Growth	n/a
Payout Ratio	24.08%
Buyback Yield	3.82%
Shareholder Yield	6.45%
Earnings Yield	10.78%
FCF Yield	13.84%

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