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C&F Financial Corp. (CFFI)
NASDAQ:CFFI
Total Valuation
C&F Financial has a market cap or net worth of $219.07M. The enterprise value is $328.76M.
Market Cap$219.07M
Enterprise Value$328.76M
Share Statistics
C&F Financial has 3,238,301 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding3,238,301
Owned by Insiders6.82%
Owned by Institutions8.46%
Financial Efficiency
C&F Financial’s return on equity (ROE) is 0.09 and return on invested capital (ROIC) is 5.13%.
Return on Equity (ROE)0.09
Return on Assets (ROA)<0.01
Return on Invested Capital (ROIC)5.13%
Return on Capital Employed (ROCE)0.07
Revenue Per Employee305.52K
Profits Per Employee36.55K
Employee Count545
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of C&F Financial is 9.0. C&F Financial’s PEG ratio is -0.90.
PE Ratio9.0
PS Ratio1.41
PB Ratio1.04
Price to Fair Value1.04
Price to FCF6.72
Price to Operating Cash Flow5.27
PEG Ratio-0.90
Income Statement
In the last 12 months, C&F Financial had revenue of 166.51M and earned 19.83M in profits. Earnings per share was 6.01.
Revenue166.51M
Gross Profit110.44M
Operating Income24.13M
Pretax Income24.13M
Net Income19.83M
EBITDA27.99M
Earnings Per Share (EPS)6.01
Cash Flow
In the last 12 months, operating cash flow was 34.72M and capital expenditures -3.29M, giving a free cash flow of 31.43M billion.
Operating Cash Flow34.72M
Free Cash Flow31.43M
Free Cash Flow per Share9.70
Dividends & Yields
C&F Financial pays an annual dividend of $0.46, resulting in a dividend yield of 2.69%
Dividend Per Share$0.46
Dividend Yield2.69%
Payout Ratio24.09%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.95
52-Week Price Change18.66%
50-Day Moving Average68.08
200-Day Moving Average68.06
Relative Strength Index (RSI)41.74
Average Volume (3m)6.70K
Important Dates
C&F Financial upcoming earnings date is Nov 4, 2025, During Market Hours (Confirmed).
Last Earnings DateJul 24, 2025
Next Earnings DateNov 4, 2025
Ex-Dividend DateSep 15, 2025
Financial Position
C&F Financial as a current ratio of 0.06, with Debt / Equity ratio of 50.91%
Current Ratio0.06
Quick Ratio0.06
Debt to Market Cap0.52
Net Debt to EBITDA2.04
Interest Coverage Ratio0.56
Taxes
In the past 12 months, C&F Financial has paid 4.21M in taxes.
Income Tax4.21M
Effective Tax Rate0.17
Enterprise Valuation
C&F Financial EV to EBITDA ratio is 10.44, with an EV/FCF ratio of 8.35.
EV to Sales1.75
EV to EBITDA10.44
EV to Free Cash Flow8.35
EV to Operating Cash Flow7.59
Balance Sheet
C&F Financial has $373.69M in cash and marketable securities with $146.13M in debt, giving a net cash position of $227.56M billion.
Cash & Marketable Securities$373.69M
Total Debt$146.13M
Net Cash$227.56M
Net Cash Per Share$70.27
Tangible Book Value Per Share$60.80
Margins
Gross margin is 48.24%, with operating margin of 14.49%, and net profit margin of 11.91%.
Gross Margin48.24%
Operating Margin14.49%
Pretax Margin14.49%
Net Profit Margin11.91%
EBITDA Margin16.81%
EBIT Margin14.49%
Analyst Forecast
The average price target for C&F Financial is $73.00, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$73.00
Price Target Upside7.91% Upside
Analyst ConsensusHold
Analyst Count0
Revenue Growth Forecast11.71%
EPS Growth Forecast32.12%