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C&F Financial Corp. (CFFI)
NASDAQ:CFFI
US Market
CFFI
C&F Financial
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C&F Financial (CFFI) Ratios

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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 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 1.35 0.18 0.06 0.26 0.27
Quick Ratio
 1.35 0.18 0.06 0.26 0.27
Cash Ratio
 0.76 0.03 0.03 0.04 0.01
Solvency Ratio
 0.01 0.01 0.01 0.01 0.02
Operating Cash Flow Ratio
 1.22 0.01 0.02 0.02 0.04
Short-Term Operating Cash Flow Coverage
 1.22 1.22 1.33 0.67 2.47
Net Current Asset Value
$ -2.52B$ -2.09B$ -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
 0.39 0.43 0.54 0.51 0.47
Debt-to-Capital Ratio
 0.28 0.30 0.35 0.34 0.32
Long-Term Debt-to-Capital Ratio
 0.24 0.26 0.29 0.19 0.22
Financial Leverage Ratio
 10.60 10.58 11.32 11.24 11.92
Debt Service Coverage Ratio
 0.46 0.41 0.33 0.33 0.76
Interest Coverage Ratio
 0.76 0.73 0.56 1.10 4.68
Debt to Market Cap
 0.43 0.48 0.52 0.47 0.45
Interest Debt Per Share
 45.87 48.99 50.13 39.85 28.43
Net Debt to EBITDA
 2.39 1.03 2.04 1.04 1.58
Profitability Margins
Gross Profit Margin
69.34%69.46%66.33%76.83%91.04%
EBIT Margin
18.48%17.77%14.49%19.47%29.94%
EBITDA Margin
19.52%17.77%16.81%22.06%33.47%
Operating Profit Margin
18.48%17.77%14.49%19.47%29.94%
Pretax Profit Margin
18.48%17.77%14.49%19.47%29.94%
Net Profit Margin
14.94%14.42%11.91%15.76%23.62%
Continuous Operations Profit Margin
15.04%14.50%11.96%15.86%23.79%
Net Income Per EBT
80.86%81.14%82.19%80.94%78.88%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.00%0.97%0.77%0.97%1.25%
Return on Equity (ROE)
11.06%10.25%8.76%10.88%14.90%
Return on Capital Employed (ROCE)
1.25%8.29%6.72%9.39%12.71%
Return on Invested Capital (ROIC)
1.01%6.44%5.13%6.44%8.97%
Return on Tangible Assets
1.01%0.98%0.78%0.98%1.26%
Earnings Yield
11.88%11.42%8.44%10.15%14.23%
Efficiency Ratios
Receivables Turnover
 16.07 15.87 15.72 14.40 13.74
Payables Turnover
 0.00 15.18 12.73 9.94 11.64
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 4.88 4.75 4.15 3.57 2.82
Asset Turnover
 0.07 0.07 0.06 0.06 0.05
Working Capital Turnover Ratio
 -0.19 -0.09 -0.09 -0.10 -0.09
Cash Conversion Cycle
 22.72 -1.05 -5.44 -11.39 -4.79
Days of Sales Outstanding
 22.72 22.99 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 24.05 28.66 36.74 31.35
Operating Cycle
 22.72 22.99 23.22 25.34 26.56
Cash Flow Ratios
Operating Cash Flow Per Share
 7.54 7.56 11.66 11.37 25.75
Free Cash Flow Per Share
 6.72 6.84 10.61 10.95 24.78
CapEx Per Share
 0.82 0.72 1.06 0.43 0.97
Free Cash Flow to Operating Cash Flow
 0.89 0.90 0.91 0.96 0.96
Dividend Paid and CapEx Coverage Ratio
 2.84 2.96 4.15 5.21 9.90
Capital Expenditure Coverage Ratio
 9.16 10.52 11.04 26.60 26.68
Operating Cash Flow Coverage Ratio
 0.24 0.22 0.31 0.35 0.98
Operating Cash Flow to Sales Ratio
 0.13 0.13 0.23 0.26 0.73
Free Cash Flow Yield
9.16%9.43%14.89%16.05%42.53%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 8.42 8.76 11.85 9.86 7.03
Price-to-Sales (P/S) Ratio
 1.26 1.26 1.41 1.55 1.66
Price-to-Book (P/B) Ratio
 0.89 0.90 1.04 1.07 1.05
Price-to-Free Cash Flow (P/FCF) Ratio
 10.91 10.61 6.72 6.23 2.35
Price-to-Operating Cash Flow Ratio
 9.70 9.60 6.11 5.99 2.26
Price-to-Earnings Growth (PEG) Ratio
 0.28 0.23 -0.90 -0.60 1.64
Price-to-Fair Value
 0.89 0.90 1.04 1.07 1.05
Enterprise Value Multiple
 8.85 8.14 10.44 8.08 6.54
Enterprise Value
 326.06M 269.22M 292.15M 267.04M 270.36M
EV to EBITDA
 8.85 8.14 10.44 8.08 6.54
EV to Sales
 1.73 1.45 1.75 1.78 2.19
EV to Free Cash Flow
 14.95 12.15 8.35 7.15 3.10
EV to Operating Cash Flow
 13.31 10.99 7.59 6.88 2.99
Tangible Book Value Per Share
 73.89 72.97 60.80 55.95 48.16
Shareholders’ Equity Per Share
 81.72 80.85 68.59 63.56 55.63
Tax and Other Ratios
Effective Tax Rate
 0.19 0.18 0.17 0.19 0.21
Revenue Per Share
 58.12 57.49 50.46 43.89 35.10
Net Income Per Share
 8.69 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
 0.25 0.31 0.34 0.38 0.40
Stock-Based Compensation to Revenue
 <0.01 0.00 0.01 0.01 0.02
Income Quality
 0.91 0.91 1.93 1.63 3.08
Currency in USD