C&F Financial Statistics
Total Valuation
C&F Financial has a market cap or net worth of $319.64 million. The enterprise value is $374.05 million.
| Market Cap | 319.64M |
| Enterprise Value | 374.05M |
Important Dates
The next estimated earnings date is Thursday, October 22, 2026.
| Earnings Date | Oct 22, 2026 |
| Ex-Dividend Date | Sep 15, 2026 |
Share Statistics
C&F Financial has 3.25 million shares outstanding. The number of shares has increased by 0.15% in one year.
| Current Share Class | 3.25M |
| Shares Outstanding | 3.25M |
| Shares Change (YoY) | +0.15% |
| Shares Change (QoQ) | +0.11% |
| Owned by Insiders (%) | 6.90% |
| Owned by Institutions (%) | 41.80% |
| Float | 3.03M |
Valuation Ratios
The trailing PE ratio is 10.96 and the forward PE ratio is 10.13.
| PE Ratio | 10.96 |
| Forward PE | 10.13 |
| PS Ratio | 2.34 |
| Forward PS | 1.91 |
| PB Ratio | 1.15 |
| P/TBV Ratio | 1.27 |
| P/FCF Ratio | 8.29 |
| P/OCF Ratio | 7.47 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 12.86 |
| EV / Sales | 2.74 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 9.70 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 3.13 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 11.26%.
| Return on Equity (ROE) | 11.26% |
| Return on Assets (ROA) | 1.06% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 4.43% |
| Revenue Per Employee | $237,090 |
| Profits Per Employee | $50,584 |
| Employee Count | 575 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, C&F Financial has paid $6.89 million in taxes.
| Income Tax | 6.89M |
| Effective Tax Rate | 19.05% |
Stock Price Statistics
The stock price has increased by +48.62% in the last 52 weeks. The beta is 0.34, so C&F Financial's price volatility has been lower than the market average.
| Beta (5Y) | 0.34 |
| 52-Week Price Change | +48.62% |
| 50-Day Moving Average | 90.21 |
| 200-Day Moving Average | 78.82 |
| Relative Strength Index (RSI) | 63.37 |
| Average Volume (20 Days) | 73,018 |
Short Selling Information
The latest short interest is 50,188, so 1.54% of the outstanding shares have been sold short.
| Short Interest | 50,188 |
| Short Previous Month | 38,482 |
| Short % of Shares Out | 1.54% |
| Short % of Float | 1.66% |
| Short Ratio (days to cover) | 0.71 |
Income Statement
In the last 12 months, C&F Financial had revenue of $136.33 million and earned $29.09 million in profits. Earnings per share was $8.97.
| Revenue | 136.33M |
| Gross Profit | 136.33M |
| Operating Income | 36.13M |
| Pretax Income | 36.13M |
| Net Income | 29.09M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $8.97 |
Balance Sheet
The company has $66.19 million in cash and $120.60 million in debt, with a net cash position of -$54.41 million or -$16.73 per share.
| Cash & Cash Equivalents | 66.19M |
| Total Debt | 120.60M |
| Net Cash | -54.41M |
| Net Cash Per Share | -$16.73 |
| Equity (Book Value) | 278.39M |
| Book Value Per Share | 85.46 |
| Working Capital | -2.25B |
Cash Flow
In the last 12 months, operating cash flow was $42.79 million and capital expenditures -$4.23 million, giving a free cash flow of $38.56 million.
| Operating Cash Flow | 42.79M |
| Capital Expenditures | -4.23M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 1.35M |
| Free Cash Flow | 38.56M |
| FCF Per Share | $11.86 |
Margins
| Gross Margin | n/a |
| Operating Margin | 26.51% |
| Pretax Margin | 26.51% |
| Profit Margin | 21.34% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 28.29% |
Dividends & Yields
This stock pays an annual dividend of $1.92, which amounts to a dividend yield of 1.95%.
| Dividend Per Share | $1.92 |
| Dividend Yield | 1.95% |
| Dividend Growth (YoY) | 4.40% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 21.42% |
| FCF Payout Ratio | 16.19% |
| Buyback Yield | -0.15% |
| Shareholder Yield | 1.80% |
| Earnings Yield | 9.10% |
| FCF Yield | 12.06% |
Analyst Forecast
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | 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 |