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Total Valuation
C&F Financial has a market cap or net worth of $276.20M. The enterprise value is $359.58.
Market Cap$276.20M
Enterprise Value$359.58
Share Statistics
C&F Financial has 3,251,691 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding3,251,691
Owned by Insiders6.55%
Owned by Institutions6.24%
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 Employee323.70K
Profits Per Employee46.94K
Employee Count575
Asset Turnover0.07
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of C&F Financial is 9.5. C&F Financial’s PEG ratio is 0.23.
PE Ratio9.5
PS Ratio1.26
PB Ratio0.90
Price to Fair Value0.90
Price to FCF10.61
Price to Operating Cash Flow6.45
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
EBITDA36.61M
Earnings Per Share (EPS)8.29
Cash Flow
In the last 12 months, operating cash flow was 42.79M and capital expenditures -1.50M, giving a free cash flow of 41.29M billion.
Operating Cash Flow42.79M
Free Cash Flow41.29M
Free Cash Flow per Share12.70
Dividends & Yields
C&F Financial pays an annual dividend of $0.48, resulting in a dividend yield of 2.21%
Dividend Per Share$0.48
Dividend Yield2.21%
Payout Ratio20.97%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.76
52-Week Price Change24.13%
50-Day Moving Average81.72
200-Day Moving Average74.75
Relative Strength Index (RSI)50.84
Average Volume (3m)5.35K
Important Dates
C&F Financial upcoming earnings date is Oct 22, 2026, During Market Hours (Confirmed).
Last Earnings DateJul 23, 2026
Next Earnings DateOct 22, 2026
Ex-Dividend Date―
Financial Position
C&F Financial as a current ratio of 0.18, with Debt / Equity ratio of 42.54%
Current Ratio0.18
Quick Ratio0.18
Debt to Market Cap0.48
Net Debt to EBITDA0.93
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 7.35, with an EV/FCF ratio of 12.15.
EV to Sales1.45
EV to EBITDA7.35
EV to Free Cash Flow12.15
EV to Operating Cash Flow10.99
Balance Sheet
C&F Financial has $520.36M in cash and marketable securities with $118.17M in debt, giving a net cash position of $402.19M billion.
Cash & Marketable Securities$520.36M
Total Debt$118.17M
Net Cash$402.19M
Net Cash Per Share$123.69
Tangible Book Value Per Share$72.97
Margins
Gross margin is 68.88%, with operating margin of 17.77%, and net profit margin of 14.42%.
Gross Margin68.88%
Operating Margin17.77%
Pretax Margin17.77%
Net Profit Margin14.42%
EBITDA Margin19.67%
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 Forecast8.95%
EPS Growth Forecast18.66%