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STOCKS

C&F Financial Corp. (CFFI)

NASDAQ:CFFI

CFFI

C&F Financial

RESEARCH TOOLSreports

C&F Financial (CFFI) Ratios

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117 Followers

C&F Financial Ratios

CFFI's free cash flow for Q4 2025 was $0.68. For the 2025 fiscal year, CFFI's free cash flow was decreased by $ and operating cash flow was $0.17. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.00	0.00	0.06	0.26	14.60
Quick Ratio	0.00	0.00	0.06	0.26	15.56
Cash Ratio	0.00	0.00	0.03	0.04	0.71
Solvency Ratio	0.01	0.01	0.01	0.01	0.02
Operating Cash Flow Ratio	0.00	0.00	0.02	0.02	2.41
Short-Term Operating Cash Flow Coverage	0.00	0.00	1.33	0.67	2.47
Net Current Asset Value	$ -2.51B	$ -2.51B	$ -2.19B	$ -1.67B	$ -1.59B
Leverage Ratios
Debt-to-Assets Ratio	0.04	0.04	0.05	0.04	0.04
Debt-to-Equity Ratio	0.43	0.43	0.54	0.51	0.47
Debt-to-Capital Ratio	0.30	0.30	0.35	0.34	0.32
Long-Term Debt-to-Capital Ratio	0.30	0.30	0.29	0.19	0.22
Financial Leverage Ratio	10.55	10.55	11.32	11.24	11.89
Debt Service Coverage Ratio	0.66	0.60	0.33	0.33	0.76
Interest Coverage Ratio	0.73	0.73	0.56	1.10	5.66
Debt to Market Cap	0.44	0.48	0.52	0.47	0.45
Interest Debt Per Share	48.99	48.99	50.13	39.85	28.43
Net Debt to EBITDA	3.15	3.43	2.04	1.04	1.58
Profitability Margins
Gross Profit Margin	69.07%	69.46%	66.33%	76.83%	100.00%
EBIT Margin	17.99%	17.77%	14.49%	19.47%	2197.62%
EBITDA Margin	19.60%	17.77%	16.81%	22.06%	2456.60%
Operating Profit Margin	17.99%	17.77%	14.49%	19.47%	2654.22%
Pretax Profit Margin	17.99%	17.77%	14.49%	19.47%	2197.62%
Net Profit Margin	14.60%	14.42%	11.91%	15.76%	1733.59%
Continuous Operations Profit Margin	14.69%	14.50%	11.96%	15.86%	1746.08%
Net Income Per EBT	81.14%	81.14%	82.19%	80.94%	78.88%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	82.80%
Return on Assets (ROA)	0.97%	0.97%	0.77%	0.97%	1.25%
Return on Equity (ROE)	10.84%	10.23%	8.76%	10.88%	14.90%
Return on Capital Employed (ROCE)	1.19%	1.19%	6.72%	9.39%	12.71%
Return on Invested Capital (ROIC)	0.97%	0.97%	5.13%	6.44%	8.97%
Return on Tangible Assets	0.97%	0.97%	0.78%	0.98%	1.26%
Earnings Yield	10.41%	11.42%	8.44%	10.15%	14.23%
Efficiency Ratios
Receivables Turnover	0.00	0.00	15.72	14.40	0.19
Payables Turnover	0.00	0.00	12.73	9.94	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	0.00	0.00	4.15	3.57	0.04
Asset Turnover	0.07	0.07	0.06	0.06	<0.01
Working Capital Turnover Ratio	-0.18	-0.18	-0.09	-0.10	<0.01
Cash Conversion Cycle	0.00	0.00	-5.44	-11.39	-4.79
Days of Sales Outstanding	0.00	0.00	23.22	25.34	26.56
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	28.66	36.74	31.35
Operating Cycle	0.00	0.00	23.22	25.34	26.56
Cash Flow Ratios
Operating Cash Flow Per Share	6.88	0.00	11.66	11.37	25.75
Free Cash Flow Per Share	6.39	0.00	10.61	10.95	24.78
CapEx Per Share	0.49	0.00	1.06	0.43	0.96
Free Cash Flow to Operating Cash Flow	0.93	0.00	0.91	0.96	0.96
Dividend Paid and CapEx Coverage Ratio	3.69	0.00	4.15	5.21	9.90
Capital Expenditure Coverage Ratio	14.15	0.00	11.04	26.60	26.68
Operating Cash Flow Coverage Ratio	0.20	0.00	0.31	0.35	0.98
Operating Cash Flow to Sales Ratio	0.12	0.00	0.23	0.26	53.84
Free Cash Flow Yield	8.03%	0.00%	14.89%	16.05%	42.53%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.60	8.76	11.85	9.86	7.03
Price-to-Sales (P/S) Ratio	1.40	1.26	1.41	1.55	121.84
Price-to-Book (P/B) Ratio	0.98	0.90	1.04	1.07	1.04
Price-to-Free Cash Flow (P/FCF) Ratio	12.46	0.00	6.72	6.23	2.35
Price-to-Operating Cash Flow Ratio	11.58	0.00	6.11	5.99	2.26
Price-to-Earnings Growth (PEG) Ratio	3.88	0.23	-0.90	-0.60	1.64
Price-to-Fair Value	0.98	0.90	1.04	1.07	1.04
Enterprise Value Multiple	10.30	10.53	10.44	8.08	6.54
Enterprise Value	371.10M	348.35M	292.15M	267.04M	270.36M
EV to EBITDA	10.30	10.53	10.44	8.08	6.54
EV to Sales	2.02	1.87	1.75	1.78	2.19
EV to Free Cash Flow	17.94	0.00	8.35	7.15	3.10
EV to Operating Cash Flow	16.67	0.00	7.59	6.88	2.99
Tangible Book Value Per Share	81.03	81.03	60.80	55.95	48.32
Shareholders’ Equity Per Share	81.03	81.03	68.59	63.56	55.79
Tax and Other Ratios
Effective Tax Rate	0.18	0.18	0.17	0.19	0.21
Revenue Per Share	56.77	57.49	50.46	43.89	0.48
Net Income Per Share	8.29	8.29	6.01	6.92	8.29
Tax Burden	0.81	0.81	0.82	0.81	0.79
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.31	0.31	0.33	0.38	0.40
Stock-Based Compensation to Revenue	<0.01	0.00	0.01	0.01	0.02
Income Quality	0.82	0.00	1.93	1.63	3.08

Currency in USD