C&F Financial Statistics
Total Valuation
C&F Financial has a market cap or net worth of $240.01 million. The enterprise value is $264.08 million.
Important Dates
The last earnings date was Thursday, April 23, 2026.
| Earnings Date | Apr 23, 2026 |
| Ex-Dividend Date | Jun 15, 2026 |
Share Statistics
C&F Financial has 3.25 million shares outstanding. The number of shares has decreased by -0.76% in one year.
| Current Share Class | 3.25M |
| Shares Outstanding | 3.25M |
| Shares Change (YoY) | -0.76% |
| Shares Change (QoQ) | +0.31% |
| Owned by Insiders (%) | 7.09% |
| Owned by Institutions (%) | 40.88% |
| Float | 3.02M |
Valuation Ratios
The trailing PE ratio is 8.47.
| PE Ratio | 8.47 |
| Forward PE | n/a |
| PS Ratio | 1.81 |
| Forward PS | n/a |
| PB Ratio | 0.90 |
| P/TBV Ratio | 1.00 |
| P/FCF Ratio | 21.20 |
| P/OCF Ratio | 17.51 |
| PEG Ratio | n/a |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 9.36 |
| EV / Sales | 2.00 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 23.32 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 9.35 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.32%.
| Return on Equity (ROE) | 11.32% |
| Return on Assets (ROA) | 1.05% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 4.33% |
| Revenue Per Employee | $230,203 |
| Profits Per Employee | $49,068 |
| Employee Count | 575 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, C&F Financial has paid $6.50 million in taxes.
| Income Tax | 6.50M |
| Effective Tax Rate | 18.63% |
Stock Price Statistics
The stock price has increased by +13.69% 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 | +13.69% |
| 50-Day Moving Average | 74.47 |
| 200-Day Moving Average | 71.98 |
| Relative Strength Index (RSI) | 48.89 |
| Average Volume (20 Days) | 4,726 |
Short Selling Information
The latest short interest is 29,580, so 0.91% of the outstanding shares have been sold short.
| Short Interest | 29,580 |
| Short Previous Month | 35,248 |
| Short % of Shares Out | 0.91% |
| Short % of Float | 0.98% |
| Short Ratio (days to cover) | 7.40 |
Income Statement
In the last 12 months, C&F Financial had revenue of $132.37 million and earned $28.21 million in profits. Earnings per share was $8.71.
| Revenue | 132.37M |
| Gross Profit | 132.37M |
| Operating Income | 34.89M |
| Pretax Income | 34.89M |
| Net Income | 28.21M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $8.71 |
Full Income StatementBalance Sheet
The company has $81.80 million in cash and $105.87 million in debt, with a net cash position of -$24.07 million or -$7.40 per share.
| Cash & Cash Equivalents | 81.80M |
| Total Debt | 105.87M |
| Net Cash | -24.07M |
| Net Cash Per Share | -$7.40 |
| Equity (Book Value) | 266.11M |
| Book Value Per Share | 81.73 |
| Working Capital | -2.28B |
Full Balance SheetCash Flow
In the last 12 months, operating cash flow was $13.71 million and capital expenditures -$2.38 million, giving a free cash flow of $11.32 million.
| Operating Cash Flow | 13.71M |
| Capital Expenditures | -2.38M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 13.09M |
| Free Cash Flow | 11.32M |
| FCF Per Share | $3.48 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 26.36% |
| Pretax Margin | 26.36% |
| Profit Margin | 21.31% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 8.55% |
Dividends & Yields
This stock pays an annual dividend of $1.92, which amounts to a dividend yield of 2.58%.
| Dividend Per Share | $1.92 |
| Dividend Yield | 2.58% |
| Dividend Growth (YoY) | 4.49% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 21.37% |
| Buyback Yield | 0.76% |
| Shareholder Yield | 3.33% |
| Earnings Yield | 11.76% |
| FCF Yield | 4.72% |
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 |
