Total Valuation
C&F Financial has a market cap or net worth of €318.27M. The enterprise value is €442.01M.
Market Cap€318.27M
Enterprise Value€442.01M
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 Insiders6.49%
Owned by Institutions0.86%
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 11.8. C&F Financial’s PEG ratio is 0.23.
PE Ratio11.8
PS Ratio1.26
PB Ratio0.90
Price to FCF10.61
Price to Operating Cash Flow18.43
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 19.35M and capital expenditures -756.00K, giving a free cash flow of 18.59M billion.
Operating Cash Flow19.35M
Free Cash Flow18.59M
Free Cash Flow per Share5.72
Dividends & Yields
C&F Financial pays an annual dividend of ―, resulting in a dividend yield of ―
Dividend Per Share―
Dividend Yield―
Payout RatioN/A
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.72
52-Week Price Change68.83%
50-Day Moving Average83.84
200-Day Moving Average69.15
Relative Strength Index (RSI)64.17
Average Volume (3m)0.00
Important Dates
C&F Financial upcoming earnings date is Jan 27, 2027, During Market Hours (Confirmed).
Last Earnings DateOct 26, 2026
Next Earnings DateJan 27, 2027
Ex-Dividend Date―
Financial Position
C&F Financial as a current ratio of 0.18, with Debt / Equity ratio of 51.38%
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 €500.03M in cash and marketable securities with €138.09M in debt, giving a net cash position of €361.94M billion.
Cash & Marketable Securities€500.03M
Total Debt€138.09M
Net Cash€361.94M
Net Cash Per Share€111.31
Tangible Book Value Per Share€72.97
Margins
Gross margin is 69.54%, with operating margin of 17.77%, and net profit margin of 14.42%.
Gross Margin69.54%
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 €102.68, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target€102.68
Price Target Upside31.64% Upside
Analyst ConsensusModerate Buy
Analyst Count1
Revenue Growth Forecast3.15%
EPS Growth Forecast10.12%