C&F Financial Corporation (CFFI)

C&F Financial Statistics

Total Valuation

C&F Financial has a market cap or net worth of $241.89 million. The enterprise value is $267.71 million.

Market Cap	241.89M
Enterprise Value	267.71M

Important Dates

The last earnings date was Thursday, April 23, 2026.

Earnings Date	Apr 23, 2026
Ex-Dividend Date	Mar 13, 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 (%)	7.13%
Owned by Institutions (%)	41.09%
Float	3.02M

Valuation Ratios

The trailing PE ratio is 8.55.

PE Ratio	8.55
Forward PE	n/a
PS Ratio	1.83
Forward PS	n/a
PB Ratio	0.91
P/TBV Ratio	1.01
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	9.49
EV / Sales	2.02
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	n/a
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)	4.37%
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 +16.19% 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	+16.19%
50-Day Moving Average	74.22
200-Day Moving Average	71.40
Relative Strength Index (RSI)	48.06
Average Volume (20 Days)	4,473

Short Selling Information

The latest short interest is 37,918, so 1.17% of the outstanding shares have been sold short.

Short Interest	37,918
Short Previous Month	40,491
Short % of Shares Out	1.17%
Short % of Float	1.26%
Short Ratio (days to cover)	6.72

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

Balance Sheet

The company has $77.43 million in cash and $103.25 million in debt, with a net cash position of -$25.82 million or -$7.95 per share.

Cash & Cash Equivalents	77.43M
Total Debt	103.25M
Net Cash	-25.82M
Net Cash Per Share	-$7.95
Equity (Book Value)	266.11M
Book Value Per Share	81.73
Working Capital	-2.28B

Cash Flow

Operating Cash Flow	n/a
Capital Expenditures	n/a
Depreciation & Amortization	n/a
Net Borrowing	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

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	n/a

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	3.35%
Earnings Yield	11.66%
FCF Yield	n/a

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	2