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C&F Financial Corp. (CFFI)
NASDAQ:CFFI
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C&F Financial (CFFI) Stock Statistics & Valuation Metrics

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Total Valuation

C&F Financial has a market cap or net worth of $247.47M. The enterprise value is $335.44M.
Market Cap$247.47M
Enterprise Value$335.44M

Share Statistics

C&F Financial has 3,255,801 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding3,255,801
Owned by Insiders6.73%
Owned by Institutions1.21%

Financial Efficiency

C&F Financial’s return on equity (ROE) is 0.10 and return on invested capital (ROIC) is 6.44%.
Return on Equity (ROE)0.10
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)6.44%
Return on Capital Employed (ROCE)0.08
Revenue Per Employee341.52K
Profits Per Employee49.52K
Employee Count545
Asset Turnover0.07
Inventory Turnover0.00

Valuation Ratios

The current PE Ratio of C&F Financial is 8.8. C&F Financial’s PEG ratio is 0.23.
PE Ratio8.8
PS Ratio1.26
PB Ratio0.90
Price to Fair Value0.90
Price to FCF10.61
Price to Operating Cash Flow10.08
PEG Ratio0.23

Income Statement

In the last 12 months, C&F Financial had revenue of 186.13M and earned 26.84M in profits. Earnings per share was 8.29.
Revenue186.13M
Gross Profit129.29M
Operating Income33.07M
Pretax Income33.07M
Net Income26.84M
EBITDA33.07M
Earnings Per Share (EPS)8.29

Cash Flow

In the last 12 months, operating cash flow was 24.49M and capital expenditures -2.67M, giving a free cash flow of 21.82M billion.
Operating Cash Flow24.49M
Free Cash Flow21.82M
Free Cash Flow per Share6.70

Dividends & Yields

C&F Financial pays an annual dividend of $0.46, resulting in a dividend yield of 2.55%
Dividend Per Share$0.46
Dividend Yield2.55%
Payout Ratio22.76%
Free Cash Flow Yield
Earnings Yield

Stock Price Statistics

Beta0.67
52-Week Price Change17.93%
50-Day Moving Average74.47
200-Day Moving Average69.93
Relative Strength Index (RSI)57.13
Average Volume (3m)5.35K

Important Dates

C&F Financial upcoming earnings date is Jul 23, 2026, During Market Hours (Confirmed).
Last Earnings DateApr 23, 2026
Next Earnings DateJul 23, 2026
Ex-Dividend Date

Financial Position

C&F Financial as a current ratio of 0.18, with Debt / Equity ratio of 38.89%
Current Ratio0.18
Quick Ratio0.18
Debt to Market Cap0.48
Net Debt to EBITDA1.03
Interest Coverage Ratio0.73

Taxes

In the past 12 months, C&F Financial has paid 6.08M in taxes.
Income Tax6.08M
Effective Tax Rate0.18

Enterprise Valuation

C&F Financial EV to EBITDA ratio is 8.14, with an EV/FCF ratio of 12.15.
EV to Sales1.45
EV to EBITDA8.14
EV to Free Cash Flow12.15
EV to Operating Cash Flow10.99

Balance Sheet

C&F Financial has $406.36M in cash and marketable securities with $113.33M in debt, giving a net cash position of $293.03M billion.
Cash & Marketable Securities$406.36M
Total Debt$113.33M
Net Cash$293.03M
Net Cash Per Share$90.00
Tangible Book Value Per Share$72.97

Margins

Gross margin is 69.34%, with operating margin of 17.77%, and net profit margin of 14.42%.
Gross Margin69.34%
Operating Margin17.77%
Pretax Margin17.77%
Net Profit Margin14.42%
EBITDA Margin17.77%
EBIT Margin17.77%

Analyst Forecast

The average price target for C&F Financial is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target
Price Target Upside
Analyst Consensus
Analyst Count0
Revenue Growth Forecast9.67%
EPS Growth Forecast30.37%

Scores

Smart Score3
AI Score