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STOCKS

C&f Financial (CFFI)

NASDAQ:CFFI

CFFI

C&F Financial

RESEARCH TOOLSreports

C&F Financial (CFFI) Ratios

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118 Followers

C&F Financial Ratios

CFFI's free cash flow for Q2 2025 was $0.72. For the 2025 fiscal year, CFFI's free cash flow was decreased by $ and operating cash flow was $0.20. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.17	0.06	0.26	14.60	18.27
Quick Ratio	0.17	0.06	0.26	15.56	26.04
Cash Ratio	0.03	0.03	0.04	0.71	7.55
Solvency Ratio	0.01	0.01	0.01	0.02	0.02
Operating Cash Flow Ratio	0.02	0.02	0.02	2.41	4.44
Short-Term Operating Cash Flow Coverage	0.81	1.33	0.67	2.47	4.53
Net Current Asset Value	$ -2.06B	$ -2.19B	$ -1.67B	$ -1.59B	$ -1.41B
Leverage Ratios
Debt-to-Assets Ratio	0.05	0.05	0.04	0.04	0.04
Debt-to-Equity Ratio	0.61	0.54	0.51	0.47	0.43
Debt-to-Capital Ratio	0.38	0.35	0.34	0.32	0.30
Long-Term Debt-to-Capital Ratio	0.30	0.29	0.19	0.22	0.21
Financial Leverage Ratio	11.18	11.32	11.24	11.89	10.73
Debt Service Coverage Ratio	0.39	0.33	0.33	0.76	0.79
Interest Coverage Ratio	0.97	0.56	1.10	5.66	4.56
Debt to Market Cap	0.68	0.52	0.47	0.45	0.49
Interest Debt Per Share	55.39	50.13	39.85	28.43	27.42
Net Debt to EBITDA	1.87	2.04	1.04	1.58	-4.14
Profitability Margins
Gross Profit Margin	50.08%	66.33%	76.83%	100.00%	100.00%
EBIT Margin	17.89%	14.49%	19.47%	2197.62%	28.31%
EBITDA Margin	19.56%	16.81%	22.06%	2456.60%	31.83%
Operating Profit Margin	17.89%	14.49%	19.47%	2654.22%	28.31%
Pretax Profit Margin	17.89%	14.49%	19.47%	2197.62%	28.31%
Net Profit Margin	14.54%	11.91%	15.76%	1733.59%	21.31%
Continuous Operations Profit Margin	14.61%	11.96%	15.86%	1746.08%	21.65%
Net Income Per EBT	81.25%	82.19%	80.94%	78.88%	75.28%
EBT Per EBIT	100.00%	100.00%	100.00%	82.80%	100.00%
Return on Assets (ROA)	0.97%	0.77%	0.97%	1.25%	1.27%
Return on Equity (ROE)	11.27%	8.76%	10.88%	14.86%	13.58%
Return on Capital Employed (ROCE)	8.40%	6.72%	9.39%	1.94%	1.71%
Return on Invested Capital (ROIC)	6.17%	5.13%	6.44%	3.14%	2.67%
Return on Tangible Assets	0.98%	0.78%	0.98%	1.26%	1.28%
Earnings Yield	12.10%	8.44%	10.15%	14.23%	15.54%
Efficiency Ratios
Receivables Turnover	16.46	15.72	14.40	0.19	19.76
Payables Turnover	10.27	12.73	9.94	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	4.58	4.15	3.57	0.04	3.00
Asset Turnover	0.07	0.06	0.06	<0.01	0.06
Working Capital Turnover Ratio	-0.09	-0.09	-0.10	<0.01	0.28
Cash Conversion Cycle	-13.37	-5.44	-11.39	1.95K	18.48
Days of Sales Outstanding	22.17	23.22	25.34	1.95K	18.48
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	35.54	28.66	36.74	0.00	0.00
Operating Cycle	22.17	23.22	25.34	1.95K	18.48
Cash Flow Ratios
Operating Cash Flow Per Share	10.72	11.66	11.37	25.75	43.67
Free Cash Flow Per Share	9.71	10.61	10.95	24.78	42.34
CapEx Per Share	1.02	1.06	0.43	0.96	1.33
Free Cash Flow to Operating Cash Flow	0.91	0.91	0.96	0.96	0.97
Dividend Paid and CapEx Coverage Ratio	3.81	4.15	5.21	9.90	15.05
Capital Expenditure Coverage Ratio	10.54	11.04	26.60	26.68	32.88
Operating Cash Flow Coverage Ratio	0.24	0.31	0.35	0.98	1.74
Operating Cash Flow to Sales Ratio	0.19	0.23	0.26	53.84	1.17
Free Cash Flow Yield	14.53%	14.89%	16.05%	42.53%	82.71%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.26	11.85	9.86	7.03	6.44
Price-to-Sales (P/S) Ratio	1.20	1.41	1.55	121.84	1.37
Price-to-Book (P/B) Ratio	0.90	1.04	1.07	1.04	0.87
Price-to-Free Cash Flow (P/FCF) Ratio	6.88	6.72	6.23	2.35	1.21
Price-to-Operating Cash Flow Ratio	6.23	6.11	5.99	2.26	1.17
Price-to-Earnings Growth (PEG) Ratio	1.16	-0.90	-0.60	1.64	0.21
Price-to-Fair Value	0.90	1.04	1.07	1.04	0.87
Enterprise Value Multiple	8.01	10.44	8.08	6.54	0.17
Enterprise Value	282.16M	292.15M	267.04M	270.37M	7.21M
EV to EBITDA	8.01	10.44	8.08	6.54	0.17
EV to Sales	1.57	1.75	1.78	160.74	0.05
EV to Free Cash Flow	8.98	8.35	7.15	3.10	0.05
EV to Operating Cash Flow	8.13	7.59	6.88	2.99	0.05
Tangible Book Value Per Share	66.31	60.80	55.95	48.32	51.21
Shareholders’ Equity Per Share	74.22	68.59	63.56	55.79	58.55
Tax and Other Ratios
Effective Tax Rate	0.18	0.17	0.19	0.21	0.24
Revenue Per Share	55.59	50.46	43.89	0.48	37.33
Net Income Per Share	8.08	6.01	6.92	8.29	7.95
Tax Burden	0.81	0.82	0.81	0.79	0.75
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	0.15	0.33	0.38	28.46	0.44
Stock-Based Compensation to Revenue	0.01	0.01	0.01	1.17	0.01
Income Quality	1.41	1.93	1.64	3.08	5.40

Currency in USD